milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I receive solicitation calls from NationStar, my mortgage lender since XX/XX/2009. The calls go like this : " This is NationStar. This is a recorded line. NationStar sometimes acts as a debt collector. This is a courtesy call for XX/XX/XXXX. Your mortgage is {$2200.00}. Are you aware that it is due on XX/XX/XXXX? Do you have this set up on Bill pay using the grace period? To cut down on my courtesy call volume, please tell me if you are going to continue to pay using the grace period. Your account is now coded-out to pay by the grace period '' WHAT IS THIS ALL ABOUT?

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 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: Account status incorrect

Complaint: I want to report TransUnion violation of the Fair and Accurate Credit Transactions Act [ FACT ACT ]. I have tons of trade lines on my credit report. One of the trade lines, reported by XXXX [ Opened on XXXX ],  erroneously reported my account was being " 30 days late '' in XXXX of XXXX, even though I mailed them a payment check. When I opened a dispute through the TransUnion website, TransUnion forwarded the dispute to XXXX, and let XXXX have the SOLE decision to make a decision without reviewing all the facts and documents presented to them. To give the creditor sole power to make decisions is an illegal process that can result in incorrect information on a person 's creditor report. 

I hope this error gets resolved by TransUnion because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report. My account history shows that I have a 12+ year history of perfect payment. 

I have attached copy of the check I mailed to XXXX as proof that a payment was sent to them. I want TransUnion to update my account status to remove the " 30 days late '' to accurately reflect the status of my account according to the Fair and Accurate Credit Transactions Act ( FACT ACT ). Since they house all the data, they have a legal responsibility to make sure it is accurate. 

The Consumer Financial Protection Bureau have said federal law requires the credit-reporting companies to conduct a reasonable investigation and update the data to show necessary changes or delete the item.

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 05-05-2016 about Debt collection (I do not know) with Element Global Services (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: COLLECTOR LEFT A VOICE MAIL WITH INFO TALKING ABOUT LEGAL ACTION SO I CALLED AND WHEN I CALLED THERE WAS WAS NO MIMI MIRANDA NO VERFY OF THE ADDRESS THE COLLECTOR WAS GETTING REAL RUDE AND HUNG ON ME ... SO I CALLED BACK I ONLY SAID MY NAME AND THE LADY JUST WENT IN TRYING TO TELL ME WHAT I OWE I SAID I WAS DISPUTING AND I WILL FAX THE INFO ... THEN I THOUGHT I WORK AT A COLLECTION AGENCY AND I NEW IT WAS A VIOLATION AND TALKED TO MANAGER AND HE GAVE ME THE INFO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, XXXX, I requested a Full File Disclosure report from First Advantage Consumer Center and their parent company/partnership Lexis Nexus. The First Advantage background reports I receive contained inaccurate information more specifically criminal records that did not belong to me and was disputed as inaccurate back in XXXX. 
I immediately contacted First Advantage to dispute the inaccurate information and was told I could not dispute because an employer did not order a background check. I explained to First Advantage the consumer has the right under the FCRA to order copy of any files you contain within your database and the right to dispute inaccurate information. To date First Advantage has refused to removed the inaccurate criminal record and address associated with my name. I do not have or use any alias my name is not XXXX XXXX XXXX and the courts records do not show my social security number or address associated with said criminal records.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AZ).
Issue: Unauthorized transactions or other transaction problem

Complaint: Coinbase owes me {$4800.00}. I filed a case # XXXX with them and they have been no help. On XX/XX/2018 the amount was sent over and received by coinbase. I received an automated email from them saying my funds would be available by the end of the day on the XXXX, instead it has been stuck on pending now for well over a month. And they will not help me. Their support team is horrendous. And additionally I was scammed another {$750.00} but a fake coinbase number I called that posted on Coinbase 's Support 's XXXX page. So they are also allowing scam companies to make posts using their same exact logo and font to offer help to ppl, when they should be deleting these fraudulent posters.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but equifax and XXXX has not.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient is my service provider and I have been trying to get an income based assistance for over 2-years now and each time I attempt to apply for assistance I get pushed into a forbearance, which has increased my loan over {$2000.00} ; each time I apply for income based assistance I never receive the paperwork and then I 'm forced into a forbearance to avoid going into default. I do n't know where to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (GA).
Issue: Managing the loan or lease

Complaint: APR for this loan is XXXX -- -Finance charges are XXXX from Bigpictureloans . As of XX/XX/2017 they would have taken XXXX from my account and I only borrowed {$450.00} and each time a payment is taken the PAYOFF AMT goes up. The current payoff amt is XXXX, this is just a rip-off -- -please help! This was explained to me as an installment loan -- NOT a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed that this account that I am no longer an authorized user on this account as of XXXX/XXXX/2016 and it does not belong to me. I requested to delete the account. My investigation results did not remove the account and instead your company kept the account on my credit profile. 
I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user on XXXX/XXXX/2016. 
Creditor : XXXX Account Number : XXXX .... 
Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX or Transunion.

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 05/20/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I sent my XXXX check in to my Bluebird account. They have guidelines on how I can deposit which are : How do I add Checks by Mail? 

You can add funds to your Bluebird Account by sending a check in the mail to American Express ( " Check by Mail '' ). This is an easy way to add funds if you do n't have access to the Bluebird Mobile App or want to add a check greater than {$2000.00}. We accept checks of any amount in the mail as long as they meet eligibility requirements and you stay within your total annual account load and balance limit of {$100000.00}. * How do I add funds from a check to my Bluebird Account by mail? 

Make sure the check is payable to the name of the Bluebird Member as it appears on the Bluebird Card. 

Sign the back of the check. Make sure that all necessary endorsements are on the check ( e.g., a check made out jointly to you and another person must be endorsed by you and that other person ). 

Write your XXXX-digit Card number on the back of the check below your signature. 

Mail the check to : American Express, Bluebird XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I sent this check from the federal government into them via mail to the address listed which is XXXX XXXX XXXX Utah address. This was under the XXXX dollar annual limit and was a federal check so it meets all their guidelines. I got notice today that they have suspicious activity on my account. I called them up and talked to XXXX, she said that I ca n't deposit an amount that large by mobile deposit, I told her I know and thats why I sent the original federal check to their XXXX utah address. She said bluebird ca n't accept the check for that amount, last month they froze my account from my social security funds now they freeze my account for depositing a va check for backpay for 5 years, the amount of this check was {$72000.00}, I am XXXX and it is difficult for me to always get out, this bluebird account allows me to make deposits into my account easily but then they freeze my account every month while they verify everything.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax is not reporting one of my accounts that is paid - XXXX XXXX, XXXX ( XXXX ) is an account that I paid in full. XXXX XXXX confirmed they reported it to Equifax but it is not listed on my credit report. XXXX 's contact information is XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. The contract was opened in XXXX 2016 for {$1900.00}, and paid off satisfactorily. I contacted Equifax on several occasions to make sure it was reported, and was informed it was not likely due to a credit freeze on my account. I removed it and it is still not reported. I believe I am being discriminated against by Equifax. 

Equifax needs to report my balances correctly for the following accounts : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid XXXX medical collections and WAKEFIELD & ASSOCIATES stated I would receive a paid and full receipt upon payment. I have called multiple times and I keep getting the same run around that They have faxed my receipt in which I have not received. I paid with my debit card and have proof of transaction. The phone calls are recorded and should show as proof to our agreement in full. WAKEFIELD & ASSOCIATES have not validated my debt yet they still are reporting these negative accounts.

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 06/20/2017 about Debt collection (Other debt) with Midwest Recovery Systems (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midwest Recovery Systems is reporting to my credit reports that I owe {$370.00} for a XXXX XXXX XXXX XXXX membership I never had as of XXXX XXXX, XXXX. This debt is not mine and I want them to remove their reporting from all of my credit reports. I have sent them two letters in the past 30 days ( the first letter was sent on XXXX XXXX, XXXX ) and they have not responded. I have also filed a complaint with the Better Business Bureau against them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Payday loan debt) with Tri-Counties Accounts Adjustment Bureau (UT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Account XXXX is not licensed to collect in my state of Utah. The licensed expired XX/2012. This is reporting on my credit and they are trying to collect this debt from me in Utah ... And they still have not sent me validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account is showing a late payment for XX/XX/2017 30-59 days. It was not late in XX/XX/ 2017. I contacted XXXX and they told me they couldn't find a late payment. I asked the lady to fix the incorrect information and she told me that she would get someone to type the letter up and send it off to get the late payment removed.

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: my ss # was used without my consent, i contacted the IRS, and other creditors to resolved this matter and they have been more than helpful to resolved this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 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: Information belongs to someone else

Complaint: I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding TransUnion, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.

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 08-08-2016 about Debt collection (I do not know) with Allied Interstate LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Allied Interstate collections agency has been calling my husband and I multiple times a day for weeks, never leaving a message for the reason they were calling. The woman that has been calling is named XXXX XXXX. I finally called the number back last week to find out why they were calling it went to her voicemail, but I assumed based on the lack of information she provided in her voicemail that it was a collections agency. So I left her message stating to either stop calling multiple times a day or leave a message when she called so we could appropriately respond to why she was calling. She stopped calling me and instead, started calling my husband. He finally answered the phone this morning and stated she was trying to collect a debt owed by my brother. My husband and I have nothing to do with my brother or his debts, nor are we legally liable for his debts. They have no right or cause to call us to try and collect on his debt. I asked for her employee ID as i stated I would be reporting her actions, she lied to me and stated she had no id number and that she was doing nothing wrong, she " does n't know who XXXX lives with ''. That is total nonsense I have n't shared an address with my brother in 15 years. My husband has never shared an address with my brother. I have no idea who they bought our contact information from, but I am sure it was an unauthorized source.

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 04-04-2015 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Dear sirsAm facing a serious problem with a car dealer XXXX XXXX XXXX XXXX, where i went there with my cousin to co-sign with me buying a new car, since i just moved to XXXX and still building my credit score, we talked to the financial rep. about the inquiries and not inquire more than XXXX banks, and that what he did while we were there and he came back telling us we are approved by XXXX XXXX XXXX bank at a rate of ... .., so we agreed on it and we came back the XXXX day to close the deal and be done. 
Then later after 1 week we are still receiving inquiries they did after we left and it reached XXXX inquiries. 
Appreciate your help sirs and need to control this dealer acts since he is harming all the community around him and many customers came back after when we visited them back to know why he sent more inquiries although we already agreed on the bank and the offer!! 
this is considered misuse to the agreement that we gave him to pull the score since it was already agreed from our side on the second offer we had from XXXX XXXX 's bankThanks a lot for your support and appreciate your feedback

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I am filing a complaint against TD Bank. I opened XXXX new accounts with the help of customer service. The accounts are as follows XXXX and XXXX. I am a regular customer and I deposit cash to my accounts. I have deposited CASH in worth XXXX of dollars in the past. TD Bank did nothing to protect my cash investments. I was treated in an unprofessional manner by lower level people from customer service and from the XXXX XXXX XXXX XXXX, NY XXXX location. One representative stated that they can pick who they do business with at the lower level. She stated it is her right to discriminate against people as she sees fit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian report # XXXX dated XXXX XXXX, 2017 has XXXX HARD HITS on it due to the fact that EXPERIAN is reporting incorrect information and damaging my FICO score. Causing bank XXXX to repeat inquriues This must stop and be corrected.

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