milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I had filed and was awarded bankruptcy in XX/XX/XXXX. Included in the bankruptcy was a home that had been awarded to my ex-spouse during the divorce under XXXX XXXX. My credit report shows the loan was discharged due to bankruptcy in XX/XX/XXXX and XXXX discontinued reporting on my credit report. 
My ex-spouse had stopped making payments on the house and subsequently, the loan company started foreclosure proceedings. I was no longer responsible for the loan, with the discharged bankruptcy on court record however, in XX/XX/XXXX, XXXX XXXX sold the loan to another company, Caliber Home Loans. Caliber proceeded to put me back on the mortgage, even with the discharged bankruptcy and began reporting on my credit report XX/XX/XXXX that the loan was over 180 days past due. I contacted Caliber, gave them my bankruptcy information, my attorney 's information and asked them to remove the information from my credit report. I was not a part of that loan when they acquired it in XX/XX/XXXX as the discharge was in XX/XX/XXXX. They have failed to do so even at the request of my attorney, proof of the bankruptcy discharge and request of myself. The are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WV).
Issue: Making/receiving payments, sending money

Complaint: Someone open up a merchant account ( credit card processing ) at Chase bank in my companies name. They stole my business identity and my personal identity

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After XXXX Bank/XXXX, their attorney XXXX and XXXX Court Dispositions in my favor clearly : 1. acknowledge the account is the same as is listed on my file 2. linked them, the account, the court case and amount as the same entry listed on my credit profile. 
3. received documents prooving all of this SEVERAL times, on several occassions b fax, direct upload and certified mail ... 
Both XXXX and Equifax STILL HAVE NOT REMOVED THIS FROM MY CREDIT FILE AS A NEGATIVE CHARGE OFF. WHAT MORE DO THEY NEED? EQUIFAX has not even updated my address as requested, as is obviously noted by all parties and in the court documents. They have claimed to investigate and reinvestigate and received verification from XXXX when the attach say different.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Problems when you are unable to pay

Complaint: I applied for a loan on Saturday to get a car and found out that Santander was reporting me as late four times for 90 days. In actuality, I requested Santander to pick-up my van XX/XX/XXXX as a voluntary repossession. They repossessed it a few days before XXXX XXXX XXXX. XX/XX/XXXX, they contacted me acting as if I still had the car. I had to contact the company that had repo'ed the car to provide proof that it was not returned to me. Fast forward to this past Saturday when I found out that XXXX has never reported the repossession but has it as if I still have the car but am in arrears! The last time they reported was in XX/XX/XXXX which dropped my XXXX credit score from XXXX to XXXX! As a result, I was unable to received bank financing for a car!! Since they have reported me 90 days late since they repo'ed the car, I suspect my credit score has been taken a hit since then. This caused me not to be able to get a house through FHA because my score was too low!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On XXXX XXXX 2015 i applied for a credit card with XXXX XXXX. The application was denied and the rejection email that i received, stated that their decision was based on information they had obtained about me from Equifax. I decided to check my Equifax credit report and found a massive list of prior addresses that do not belong to me. The only way Equifax could have received those unknown addresses are from old collection accounts that were improperly reported years ago. There is also a ( fraud alert ) listed on my Equifax credit report which i did not give my approval for them to add. I have disputed the unknown addresses and Equifax refuses to remove them from my credit report. They also refuse to remove the fraud alert which should not be on my report at all. The only address they should have on my file is XXXX XXXX XXXX XXXX XXXX. The only phone number they should have on my file is XXXX. I want the inaccurate information removed from my credit report. Everything else on my report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Victim of Identity Theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Complaints : 1 ) Inadequate customer service - A collection company that has agreed to remove an item from my credit report failed to reflect so in its reply to the original dispute and Equifax asked me to file another dispute. If the collection company is misinforming Equifax and refusing to provide me documentation, then as a credit reporting agency that publishes information of one 's creditworthiness, the onus should be on Equifax to verify this information by directly contacting the collection agency rather than having the consumer file dispute after dispute. Another credit bureau XXXX directly contacted the collection agency and had the item removed. 

Attached is a document from original creditor stating that I am not responsible for the collection item ( Unfortunately the collection company refuses to provide me documentation that it has marked the item for removal ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Billing disputes

Complaint: I had been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refused to adjust after, numerous email, calls and letters. I have since canceled the line of credit, credit card with them and just would like fees and interest returned to me in the amount of {$61.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with DISCOVER BANK (VA).
Issue: Using a debit or ATM card

Complaint: Discover is posting debit card transactions w a posted and transaction date that is always the same, therefore there is no way to match and verify that I actually made the transaction. As the actual transaction date can not be verified as it is always equal to the posted date. I have been reporting this to Discover for over a year w no resolution. as an example they posted a XXXX transaction w a transaction and post date of XXXX but it showed up in my account on XXXX XXXX, this is impossible, potentially illegal, how can I make a transaction in the future at XXXX? This is causing a lot of pain and confusion on transactions. We have no way to validate that the transactions are real and not fraud. Please contact Discover and have them fix this immediately. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank has failed to answer my questions and provide the documentation as we requested per our complaint with the CFPB, XXXX. US Bank forwarded this complaint to XXXX XXXX XXXX which XXXX also failed to answer our questions and provide the documentation as we requested. Since this occurred, we are exercising our right to re-submit another complaint against US Bank. Failure to comply will result in more complaints filed until we get the answers that we are seeking. Now, per US Bank, role of the trustee, ( US Bank own submission ) US Bank holds an interest in the mortgage loans for the benefit of investors, maintains investors/securities holder recorders, collects payments from the servicer and distributes payments to the investors/security holder. 
Now, we are requesting the following in writing ; 1st, we request to know what was the date our Note/Deed of Trust was transferred into the trust, XXXX Mortgage Loan trust XXXX which US Bank is the trustee for? 
2nd, we request documentation on the investor who US Bank N/A provided the certificate too at the time of the transfer into this trust/securitization? 
3rd, since XXXX, our original lender in 2006, which certificate holder/investor has US Bank N/A been sending our monthly mortgage payments to for our property/Note? 
4th, what were the payment amounts that US Bank has sent to the investor, investors or certificate holder? 
5th, what were the dates of these payments made to the investor/certificate holder? 
6th, does US Bank know where the original Note and the Original Deed of Trust is located at? If so, where are the original Note and original Deed of Trust located at and with whom? 
7th, does US Bank know where all the assignments that was provided to each investor of our mortgage loan? If so, where are these assignments located at and with whom? 
8th, is US Bank fully aware that XXXX failed to track assignments for our Note/Deed of Trust so XXXX would not need to record transfers from one investor to another? 
9th, since XXXX did not record any assignments and failed to keep track of assignments from one investor to another, does US Bank know why XXXX failed to do their job correctly? 
Please answer the above questions in writing and provide documentation! Now, due to the fraud that has occurred by the companies that are handling our mortgage loan, this information does in fact pertain to our mortgage loan and we have the right to have to this information. Failure to comply must result in the following but not limited to the following ; a full investigation from a federal agency, fines being imposed, loss of business license, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My husband and I decided to fiance a new car through the dealership. I was unaware however, of how many hard inquires the company actually performed. I just recently found that a total of XXXX hard inquiries were performed, XXXX for TransUnion and XXXX for XXXX. 
Because I was only aware of XXXX inquire, to be made by the dealership itself, it is my hope to dispute and remove these other hard inquiries as they were performed without my permission and have damage my credit already.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with Sessoms & Rogers, P.A. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a 3 letters from seasoms & rogers, P, A, ATTORNEY AT LAW 0N XXXX XXXX, 2017 they are saying that i owed to XXXX XXXX XXXX {$9.00} XXXX county case no. XXXX XXXX {$1500.00} XXXX county case no XXXX XXXX {$9600.00} XXXX county case no XXXX XXXX but, this account have been removed all from my credit report and from credit bureau because they were WERE NOT my accounts so the credit bureau removed them all they are no longer in my credit report but this company sessom ragers still harassing me and keep sending this letter with the police come knock on my my door all the time keeping sending me this letter all the time and they got my last four number of my social number but not all my social security of it so everything with company it is a wrong doing to my life i do not owed that is not my and i want this company to removed my name from their office i am not having anything to do with all this charges are not my they do not have all my social number they have only provide me last four number only i want this company to stop harassing me now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred from PHH and I was n't notified. I do n't know who bought my loan or where to send my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: I opened an account with Coinbase Inc in XXXX 2018. Since then i have been investing in Bitcoin. Now, 4 months later Coinbase Inc has put a freeze on my account stating that I must verify my identity. AGAIN. I did this at the time of account opening. I have tried at least 20 times, followed Coinbase instructions, contacted customer support ( only way is email ). 

Coinbase Inc 's actions of putting a freeze on my account is unjustified, illegal and is costing me a lot of money. This is not what they advertise. I must be able to buy and sell bitcoin as I choose, when I choose, as they coinbase boasts. The freeze on my account must be removed. Coinbase Inc 's Identity verification software/app does not work. The customer should not be punished. I am who I say I am and have provided the documents to prove it. For Coinbase to take my money, then freeze it, and state that it is my duty to fix it is preposterous. And customer support at Ccoinbase is unacceptable by any standard.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX / XXXX / 2017 , I received an alert indicating that there had been changes to my credit report. I logged into my credit tracking account and found that this company by the name o f Deville Asset Management had   placed an alleged account on my credit reports. I have never heard of this company prior to  XXXX / XXXX / 2017 . On that same day,  XXXX / XXXX / 2017 , I filed a BBB complaint, the company responded, and I sent an official letter of dispute around  XXXX / XXXX / 2017  which  Deville Asset Management s igned for on  XXXX / XXXX / 2017 .     Sometime in  XXXX /2017, I received communication from  Deville Asset Management which poi nts to this account being time barred and null and void as they did not provide proof of the legitimacy of this alleged account. Around  XXXX / XXXX / 2017 , I again responded  to Deville Asset advising  them of the fact that they did not include proof that this account is valid and requested that they have this alleged account removed from my credit reports immediately.  Deville Asset Management signe d for this letter on  XXXX / XXXX / 2017 , and up to now this time barred, null and void account is still on my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America stated I was not qualified because of my debt to income. However, they did not take into account the new payment which went from {$270.00} to over {$1000.00} per month. Further, they did not take into account rentals that are no longer occupied. Only XXXX representative has contacted me during the last XXXX complaints I have filed. A representative called me on XX/XX/XXXX to simply state that I did not qualify. I asked for other solutions to which she had none. All their information was based on documentation I have had throughout the last year. Much has changed, no one will assist. They have a recording that states " We are here to help '' They have not. They will not. I will go public with these complaints and send copies to my congressmen. I also would like to know if there is a fear of backlash that is preventing the CFPB from going ofter such big banks as Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit score and there was a debt listed that I owe Bank of America over {$3000.00}. I sent a debt validation letter requesting proof that I owe this unsecured debt. They failed to respond in the allotted time so I would like this debt removed from my account and from the major credit bureaus ( XXXX, XXXX, XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I requested that my loans be placed in forbearance through XX/XX/XXXX because I would be away for military training ( XX/XX/XXXX-XX/XX/XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XX/XX/XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would  check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX. This letter is dated XX/XX/XXXX. Although my  forbearance was approved, FedLoan refuses to correct this on my credit report because the letter is dated for XX/XX/XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: PNC Bank re-ordered my transactions to charge XXXX fees, instead of XXXX. This has happened more than once to me recently and it caused a downward spiral of my finances for weeks. I was able to get refunds on some, but it took hours on the phone while at my job. In the print-outs attached, the XXXX transaction is what made my account negative. The XX/XX/XXXX fee refund was for the XX/XX/XXXX fee. The XX/XX/XXXX fee was caused by the XX/XX/XXXX XXXX transaction. So why the XX/XX/XXXX fee? The bank 's explanation is that the XX/XX/XXXX fee was caused by check XXXX on XX/XX/XXXX. That check pended for XXXX days and cleared before the XXXX transaction was pending. After the check cleared, the balance in the account was {$1.00}. I saw this happen and that scenario is refected on the print-outs. However, the bank took the XXXX transaction XXXX, according to bank personnel and the explanation attached to the XXXX, which I could not print. So that caused XXXX fees, the XX/XX/XXXX fee and the XX/XX/XXXX fee. I was able to get a refund on the XX/XX/XXXX fee. This should be illegal and this agency should be stopping this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (I do not know) with Northstar Location Services, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Different people from the phone number XXXX keep calling family members and friends, looking for me. They are asking for personal information and refuse to identify themselves or their company. They say a " complaint has been filed against me. '' All my bills are paid and are up to date. I have received no notices from anyone stating I owe them money. I want this harassment to stop. If they think I owe an debt then send me something in the mail and proof of any debt you think I owe. I found them to be debt collection agency by looking up the phone number on line.

Company response to consumer: Closed