milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. 
This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. 
I am requesting that the credit bureaus delete the information or correct it. 
Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following:1. Improper approving my residential loan for gov't insurance and refinancing2. Fraudulently submitting loan data regarding my loan # XXXX to HUD-FHA that was false. 

3. Predatory lending by raising my rate over four points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act6. By breaking my Civil Rights Act of XXXX. By XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (I do not know) with RMB, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: RMB is reporting a debt in the amount of XXXX on my credit reports. I did not authorize this account nor do I accept responsibility for this debt because it is a result of identity theft. I have disputed this debt with the credit bureaus and have sent the police report but they still continue to report this account which is very damaging to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX 4. Copy : ( 1 ) TRANSUNION ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of TRANSUNION , XXXX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX 
c. I am requesting from TRANSUNION ( 2 ) XXXX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.

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 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ITEM REPORTED ON MY CREDIT FILE THAT HAS BEEN PAID IN FULL

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 04/13/2017 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Financial Services LLC has refused to update my contact information in their system for the past five months. After having mailed in a request for address change as per their instructions three times in the past 180 days, my information has still not been updated in their system. 

Yesterday, XX/XX/2017. I called Ocwen and spoke to a supervisor who promised to send me an email at that moment to which I could respond with my written address change and that she would personally make sure it was taken care of that day. She never sent the email. 

I have wanted to pay off my mortgages with Ocwen financial for several months, but without the proper contact information, the release of lien for my loans would be sent to the wrong address. I believe that Ocwen is acting in bad faith. The negligence on their part has cost me thousands of dollars of additional interest payments. Just last month, I sent in a payment for over {$110000.00} to pay down the balance of one of my mortgages, hoping to at least minimize the additional interest charges I am incurring while trying to get this resolved. Instead of applying the balance to my principal, Ocwen placed it in a 'suspension ' account. This is reflected on the attached statement. Ocwen representatives called me several days after the payment was made to ask me 'what I wanted them to do with the payment ' even though their online payment form specifically listed it as additional principal reduction. 

I would like Ocwen to update my personal information immediately so that I may pay off my mortgages. I would also like to be reimbursed for all of the interest charges I have incurred for the past 180 days during which they have failed to act.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following inquiries from my Transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I enrolled in Equifax credit monitoring program XX/XX/2016 .However, I was dissatisfied with the product and cancelled it the same day. On that day last friday XXXX, my credit score was XXXX.I check ed my score on sSaturday XX/XX/2016, my score had changed /dropped by XXXX points. I called Equifax on XX/XX/2016 and spoke to XXXX representatives and a supervisor name XXXX. XXXX rep told me they were having technical issues with their systems that lowered the score by mistake. XXXX the other rep could n't give me an explaination and neither could the supervisor. Nothing has changed on my report to impact my score. Can someone please assist me in reinstating my score. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called to North Group Inc. Because I received a collection bill from them, after providing them with all of my information for their verification, even though they sent a letter to my home with the enclosed bill, I was told that my date of birth did not match, even though all of my other information was correct, after speaking with XXXX different people I was told that there was nothing they could do and the only help they can give me was by deleting my address from the mailing list which it will not really help me since I can not even dispute the debt since my date of birth does not match, so in 30 days the debt will be recorded to collections under my name and social, hence why I am making the complaint asking for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX   Opened   XXXX   XXXX   XXXX   {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The TransUnion company has a policy of updating there information every 30-90 days. To a user taking responsibility of finances is being forced in some situations into losing more finances. with the movement of data information at a moments notice, the stroke of a key, this company and any other company should only have 7 days to process that data. 
When I paid all my debts off every company evolved was able to slow mail me with a guarantee that I would receive the letter in 5-10 days. If these companies a lot the time and personnel to that, they should be forced into posting any updates in under 7 days and be forced to update there software to do this for them. 
They should be making themselves more accountable for timely accuracy instead of rules and by laws to protect themselves. Someone might say " well you should not have got your self into this situation ''. My only reply is that 's history because today I am getting my self out of the situation and TransUnion just cost me over {$400.00} in getting a loan that was assisting me in taking on my financial responsibility. Both Equifax and Experian excellently up dated the same information that day while on the phone with them or with in 2 or 3 days of my paying all my debt off. 
sincerely XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for XXXX XXXX, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX  XXXX : {$220.00} Total : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing statement

Complaint: Today XXXX Friday XXXX XXXX, XXXX Dear CFPB, I have recently opened a Toys/Baby 's R Us Account in XXXX XXXX for XXXX. This month I should have receieced a statemten from Synchrony Bank for payment on this Toys /Baby 's R Us Account. Today I recieved an Email from Sychrony Bank for the purchase of the {$250.00} made on XXXX/XXXX/XXXX at T/B R US. The statement however was not my initial syatement requestin payment however, it is a states : " Payment not received '' " Dear XXXX XXXX, '' " RE : Your R Us XXXX ( XXXX ) Account ending in XXXX '' " This is a notification that your R Us XXXX ( XXXX ) account payment is past due and a late fee has been assessed. Making a payment of the total amount due now will help you to avoid additional fees. Please disregard this notice if you have already made your payment. '' " You can make a free online payment now by signing into your account. '' " If you can not make a payment of the total amount due today, or need assistance with your account, please contact us at the number listed below. '' I never received my initial statement via Email or otherwise. 
Synchrony Bank has already charged me the {$35.00} late fee. 
I have a XXXX card and A XXXX Card, they mail me through the US Postal Service my statements at least 10 days before its due to advise me " You have a payemt due on this date in the amount of XXXX I also have a Pay Pal account to which I receive through my Email and I get that well ahead of time noticing me .. '' Your Paypal Statement is ready '' and " Your Pay pal Statement due date is coming up ''. 
I do not understand why this company can not have the courtesy to consumers by sending out statements ( especially by email ) a sufient timing to pay ; not after its due? This whole time I have been expecting my card and statemtent into the mail through the U.S.P.O not through Email. Not to mention that I did not recieve my credit card. 
I can also state that I am not the only consumer whom has had issues with this Synchrony Bank. I believe their needs to be an investigative audit on their practices financialy andand. More so how they treat consumers. Has customer service stooped so low that consumers ( Whom pay for services/items ) deserve to be treated so horribly and harrased by credit companies instead of treated with respect and given a breakbreak especially as a " New, Loyal and or Long term customer? '' Please look into this because ALL I want is the late fee waived for their dishonesty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My original mortgage was executed in XXXX XXXX, and within a month it was sold to Wells Fargo Home Mortgage. We have experienced an increase of {$400.00} per month in our house payments since that time. Wells Fargo claims that all of the increases have been because taxes or insurance have gone up or " the State of Texas is requiring more padding. '' Every year we go to the appraisal district and have kept our taxes basically where they were in XXXX. Our insurance did increase a large amount with the XXXX XXXX, renewal because the company left the XXXX umbrella. We now have a new insurance company and the price dropped over {$600.00} each year. 
In XXXX XXXX, I inquired with Wells Fargo about paying my own taxes and insurance and they were amenable to that at that time but we decided to wait until my Trust Fund would become available at the beginning of XXXX. I immediately called Wells Fargo to let them know that we wished to begin paying our taxes and insurance and they told us FIRST that the FHA did not allow that and when I referred them to the RESPA website, which clearly indicated that there was NOT a FHA requirement that escrow must be held by the mortgage company. Then they claimed that it was their personal policy. I responded by stating that there was nothing in any of my loan documents that indicated that I could not elect to pay for my own taxes and insurance and in fact there was an election that enabled me to choose what I preferred at the time the mortgage was closed. After this discussion, I was referred to an " executive mortgage '' consultant who said that she would see if they could " relax their requirement '' in our case. A week later, she called back to let me know that they could not. At that time I informed her that I had gotten new homeowner 's insurance and that I would be taking care of that personally. She was not happy and this time she tried to use the excuse that FHA required that I have an escrow account. Again, I referred her to the RESPA website and then, just as the other agent did, she said it was Wells Fargo 's policy! I was flabbergasted and held my ground by telling her that the insurance had already been paid for and that I would need that amount removed from my payment and that they would also owe me for the insurance accrued in my escrow account. She didnt respond and the call was ended. Here we are a week later and my escrow account and house payment have not been corrected to reflect the removal of the insurance charges. Wells Fargo is creating excuses to retain escrow amounts for their own financial purposes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I purchased this home after a divorce and worked 3 jobs to purchase my home as a single parent. In XX/XX/XXXX I lost my employment of 20 years with XXXX XXXX XXXX and was unable to make my mortgage payments. I contacted my lender, Wells Fargo Bank, and they granted me a Loan Modification with adjusting rates and payment as follows with a term of 40 years. Please note, my property taxes and home owners insurance are impounded in these payments approximately {$380.00} as follows : XX/XX/XXXX-XX/XX/XXXX - 2 % interest - Payment {$1200.00} XX/XX/XXXX-XX/XX/XXXX - 3 % interest - Payment {$1300.00} XX/XX/XXXX-XX/XX/XXXX - 4 % interest - Payment {$1500.00} XXXX - 4.6 % interest - Payment {$1900.00} ( increase includes HERO PROGRAM increasing property taxes by {$3000.00} annually instead of {$1500.00} annually ) XX/XX/XXXX-XX/XX/XXXX- 5 % interest - Payment TBD In XX/XX/XXXX, I was forced retired and was not able to gain full-time employment ; consequently ; I am was only able to get a part-time seasonal job earning approximately $ 1000 monthly during the months of XXXX through XXXX plus my social security benefit of {$1500.00}. I do not work during the summer months, therefore, my monthly mortgage payments are unaffordable during these summer months. <P/>Here is how this process works to apply for the MAP. You must submit over 100 pages of documents such as 2 prior years of federal and state taxes, 2 months of pay stubs, recent bank statements, letter of hardship, etc. However, only the " Income and Expense '' page is reviewed by the underwriter. If you have equity built in your home, then you are automatically denied assistance. Wells Fargo makes you believe they are going to assist you throughout the process but know you will be denied assistance regarding of your financial hardship, which Wells Fargo refuses to admit you have a financial hardship. <P/>PLEASE READ XXXX AND XXXX XXXX XXXX AND YOU WILL SEE HUNDREDS OF WELLS FARGO CUSTOMERS GOING THROUGH THIS SAME PROCESS AS I HAVE FOR 3 YEARS BEING PROMISED ASSISTANCE WITH THE MORTGAGE ASSISTANCE PROGRAM INSTEAD, CUSTOMERS ARE ALWAYS LOSING THEIR HOME TO FORECLOSURE. <P/>I am requesting that you please have my lender, Wells Fargo Bank, lower my house payment and not make me move or lose my home to foreclosure because this month, XX/XX/XXXX, I am unable to pay my mortgage payment. I beg that you please have these lenders help keep their customers in their homes especially after retirement.

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 01-09-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: On theXX/XX/XXXX I transferred funds to Coinbase ( a cryptocurrency exchange ) and my funds went in without any problem. I used those funds to buy some cryptocurrency and all was good. 

However now when I try to withdraw those funds the website Coinbase tells me my bank account is not verified and in order to verify it I must send at least XXXX euros to their bank account. 

I have done this 2 or 3 times now and still I can not withdraw my funds from Coinbase despite having tried to verify my bank account. I have since emailed Coinbase again on the XX/XX/XXXX and again on the XX/XX/XXXXand I still have not had a reply. 

I desperately need my bank account verified because as it stands it 's impossible for me now to withdraw my funds from Coinbase, they 're effectively holding my funds hostage by not replying to any of my support tickets. 

I have tried contacting them on XXXX and XXXX and they have not responded, this is my last option, I do n't know what else to do.

Company response to consumer: Closed with explanation