milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: TODAY XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, EXPERIAN, AND XXXX  REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian Date : XXXX XXXX 2017 Report # XXXX Experian has by them being Experian that this account is to go positive in XXXX show how is it if the account has not been late so long to go positive as stated by Experian. 
As Experian states : Your account that may be considered negative it seem worded on way by them to use to there advantage against a consumer as they sell consumer information for there benefit as to what is positive. 

So Experian puts your accounts in this : Your accounts that may be considered negative section on there credit report in which they do n't want to justify if payments have not been late in over 18 months/ 24 months. it seems like deceptive practice with a consumer by there wording

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 09-10-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We received an escrow analysis statement approximately XXXX XXXX, 2016 informing us that our monthly payment will increase due to a shortage in our escrow account. Upon review of the analysis statement, Roundpoint Mortgage is attempting to double-bill us for our hazard insurance. I have called them four ( 4 ) times ( beginning XXXX XXXX ) trying to get this straightened out, and always the same answer : we will review and get back to you. No one calls. I have never received a corrected analysis. XXXX each time I call them, it is delayed again. I am not getting a straight answer even when I ask to speak to a supervisor. In fact, the second call I placed and asked for a supervisor, the man with whom I was speaking asked me WHY. 

We bought our home last year in XXXX. Roundpoint bought our account before our first payment was due. We set up electronic payments through Roundpoint so that they get paid on the first of each month, and we have never been late. We have not changed insurance companies. 
As you can see on page XXXX of the attachment, our insurance company was paid in XXXX. ( I have highlighted the pertinent information for your reference. ) Roundpoint indicates another projected payment in XXXX, which would effectively put us in the negative. A payment which was never made, nor was it owed to the insurance company. Our agent advises the insurance company received our payment in XXXX ( the {$1200.00} payment ) and never received a second payment. HAD they received the alleged {$1400.00} payment, it would have been returned to Roundpoint. The insurance was paid in full with the {$1200.00}. It is that second payment which they claim they made and took from our escrow that put us in the negative.

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 03/16/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other

Complaint: The reason for my complaint is : Improper reporting of credit to the XXXX major credit reporting agencies. XXXX separate credit card accounts dating back to when delinquencies started ( XX/XX/2011 & XX/XX/2011 ). The XXXX referenced items were supposed to be " charged off " 150-180 days after the dates of delinquency ( as told to me from a current co. I am working with to secure a loan and by the credit grantor that created the problems ). They were not. They are still being reported as being late. XXXX credit card : 30 days 1x - 60 days 1x - 90+ days 64X. XXXX credit card : 30 days 1X - 60 days - 0X 90+ days 64X. The credit grantor stated, " The dates of the credit cards " charged off " were XX/XX/2011 & XX/XX/2011 ( respectively ) '' .The credit reports from the XXXX reporting companies do not indicate this at all. I was told, " The accounts are in the Recovery Dept. ''. 64X @ 90+ days late = 5,760 +/-. Well past the time they were supposed to have been " charged off ". This has greatly affected my credit in the past years and is currently affecting my credit. I am in the process of applying for a home loan and the loan co. noticed this on my reports. I do not get regular credit reports or keep a constant watch on what is and what is not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: During the financial crisis, my loan was going into default in 2010, Bank of America did not apply my past payments to my home loan. I was told to make 12 months of payment, in order to be considered, I made the payments, but was n't offer a modification nor was the monies I paid applied to the loan. Due to Bank of America employees leaving the company, no one tracking my account or assisting me for 2 years, the account continued in default. Earlier this year, I was offered another opportunity to make trail payments for consideration of a modification, which I did and made those payments on time. Bank of America did not apply my past payments nor trail payments to my loan. The monies HUD advanced to Bank of America to pay for past due amounts was not applied to the past due amounts, but Bank of America wrote up my loan, and then reduced it by the monies advanced by HUD, thereby leaving my outstanding loan amount unchanced. Bank of America is also claiming I owe them {$15.00} for the processing of the modification, which is showing up in my statements. The loan should have been decreased by monies I and HUD paid towards the balance, but they did not do this, nor inform me that they would be applying the monies they way they did. In addition, Bank of America has not informed the credit bureau that the loan is no longer past due, but current and in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company credit acceptance is reporting three late payments on my credit report, ,I 've asked for them to be removed and there stating they ca n't do that ..false 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 07-09-2015 about Debt collection (I do not know) with The CBE Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Constant daily robot calls from the CBE group with no person on the other end, just a recording. Calls come morning and night XXXX to XXXX times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: After moving money around between my various Suntrust accounts, I spent a lot of time trying to find the fee schedules for all my various accounts to make sure I did n't incur any service charges for low balances, etc.. I found there is no easy way to see the fee schedule for a specific account. There is a pdf online that shows the fees for the current products offered, but I have a bunch of older account types. I discovered that I had several {$15.00} charges on my money market account starting last XXXX because, while the current money market account being offered waives fees regardless of balance if an automatic checking transfer is in place, my older account did not. It 's hard for a consumer to avoid fees when Suntrust only publishes the fee schedules for the currently offered account types. I had to threaten to close all my accounts and move to another bank if those fees were n't refunded. A customer service rep refunded XXXX of the XXXX {$15.00} charges, but said that 's all they could do? I would like the other {$15.00} charge refunded as well. But, most of all, I would like Suntrust to simply make the fee schedule for each account type easily accessible so others do n't have to waste their time like I have. 

I see 2 possible solutions : 1 ) Make the fee schedule for each account easily accessible - even when those account types are no longer part of the current retail offering 2 ) Transition account types that are no longer offered automatically to new account types where the fee schedules are easily accessible. 

How is a customer supposed to know when their account type has become a legacy product and no longer important enough to offer an easily accessible fee schedule? 

BTW, how hard is it given the state of technology to give some sort of a warning to customers when they do something that is about to incur a fee ( with a link to the fee schedule for their specific account )? I get plenty of correspondence from Suntrust trying to sell me additional products and services. How about something I can actually use - like a notification that my balance has fallen below a certain level and I will be charged if nothing is done by a specific date.

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 monetary relief
Consumer complaint received 12/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XXXX XXXX, 2017, I contacted NelNet to inquire about the 6-month deferment lapsing and what my options were as I am still unemployed. I knew I qualified for an unemployment deferent [ UE ] and asked about it but was told I should NOT apply for the UE deferment because I was already on an Income Based RePayment [ IBR ] Plan for {$0.00} and the customer service rep. claimed this plan included " payment of all interest on subsidized loans and partial interest on unsubsidized loans '' so why would I want to apply for something worse than what I already have???? 

I asked for proof in writing of this interest payment and was treated to double talk. I asked for clarity on a number of thins some I got some I did not. I was in the end firmly advised against the UE deferment. 

When I finally found the document that showed the terms of my IBR it clearly states my interest is capitalized. Thus my need for a deferment and NelNet 's desire for my loans to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Focus Management from XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! 
I filed a complaint with the XXXX and this company refused to respond to my complaint. I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Closing on a mortgage

Complaint: The response has NOT answered my questions : 1. When XXXX XXXX locked the rate for me, he confirmed that the rate is locked to XXXX XXXX, he did n't tell me the credit only is effective till XXXX XXXX. It is his fault. Also, when I pushed him and XXXX to process the loan ASAP because the commitment letter will expire on XXXX XXXX. He told me " Do n't worry, I only need to repull my credit, you do n't need to do anything else ". he did n't tell me it would effect my rate and the point. Whose fault? 2. XXXX and XXXX did n't pick up my phone, seldom answered my email. I did n't get any repose. Then I cc  emails to XXXX 's supervisor, and then XXXX replied to my email. XXXX appeared. He sent me an email '' Dont send email to managers '' I answered '' Because you do n't answer my emails, so many emails. I have to cc emails to supervisor. Otherwise, I will not get answer till next year. '' Your ignorance resulted my house close after XXXX XXXX. Your fault.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (TX).
Issue: Loan modification,collection,foreclosure

Complaint: During the month of XX/XX/2015 I made a lump sum of 80,000 to pay off my mortgage. I then contacted my mortgage company about lowering my payments because the amount I owed was less than what I owed on my car. The mortgage company XXXX Midland Mortgage ) suggested that I modify my loan to lower my payments. They said my payments would go down from 1200 to 600 if I participated in a modification program. I was then told to not make a payment and that the company would be sending me new loan papers. I then received a late notice in the mail after I did as I was instructed and I called the company to notify them that I was confused on why I was getting a late notification when I was told not to pay my loan by their representative. They then told me to ignore it and that once I complete the modification the loan would show current. I did as I was told but at no time was I notified that this was being reported to my credit bureaus as late payments as it was my understanding that the loan was being modified internally. I was a customer that did not have problems paying my loan as I had just paid 80,000 to my loan. If I follow the plan that they want me to stay on, for a balance of around 24,000 dollars I would end up paying them XXXX for the life of the loan. The company wanted me to appear as if I was struggling to pay my loan to get federal approval for the modification when that was not the case.

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 08/23/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've previously disputed this issue with the CFPB. I NEVER filed for bankruptcy. This issue is now on my son 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX 2016, my Capital One credit card number was stolen after placing an online food order. Multiple flights and vacation packages were purchased from different companies. Many of the charges were refunded, but XXXX were recharged to the account in XXXX 2016. I have called the fraud department approximately every other week. The previous employee, XXXX, no longer works there and her voicemail states this. During the most recent phone call, Capital One promised my account balance would be cleared to XXXX. This has not been the case, and the balance for the fraudulent charges plus interest charges are still being charged to my credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: i have try to make loan and credit card application at chase bank but i was turn down in the report i send you with the attachment on page XXXX at the top in the report chase bank show me as a creditor chase bank did not give me any loan or credit card because they did not give me any thing i can not be a creditor

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The information falsely submitted by the establishment XXXX XXXX. This information has been detrimental to me and my family. This information was submitted fraudulently and without proper inspection. Supporting information can be found in news archives, about their fraudulent activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with Creditors Bureau Associates (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a phone call and voicemail at XXXX XXXX Central Time from ( XXXX ) XXXX. The message was from Creditors Bureau Associates in XXXX, Georgia. When I returned the call, XXXX answered, requested my phone number, asked me to verify my first and last name, once I verified, she then requested my Date of Birth to verify my identity. I stated that I was not comfortable providing personally identifiable information over the phone to include date of birth or social security number for a call or service I did not initiate. She stated she could not provide information regarding the debt without me verifying my identity or it would be a violation of HIPAA laws. I am not aware of any outstanding bill or debt to any company, service or healthcare provider prior to receiving this call. I intend to file complaint to the company that forwarded my information to debt collections without contacting me first once I learn what company initiated it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WV).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I sold XXXX BTC with my account with Coinbase. Per their confirmation email, I was to receive {$1100.00} USD in my bank account no later than Thursday, XX/XX/XXXX. I did not receive the deposit.
On XX/XX/XXXX, I submitted an online support ticket asking where the deposit was. I have received no response.
On XX/XX/XXXX, I sent an email to Coinbase support asking where the deposit was. I have received an email thanking me for submitting my request, but have not received any additional response.
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. 
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a public " XXXX  '' to Coinbase CEO XXXX XXXX. I have not received a response. On XX/XX/XXXX, I called Coinbase 's only advertised phone number, which is their Fraud Prevention line. I left a message and have not received a response. I know my bank account is able to receive deposits from Coinbase because I have received other deposits, including one since the sale on XX/XX/XXXX. On XX/XX/XXXX, I initiated the sale of all other crypto-currency Coinbase was holding for me and I received that deposit on XX/XX/XXXX.
The money was supposed to be in my account on XX/XX/XXXX at the latest. It has been 8 business days since the sale and 5 business days since I was due to receive the money. Where is the money? Where is the customer service? At this point, I am considering this to be fraud. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (I do not know) with Focus Holding Company (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: A robocall from Focus Receivables Management asked me to call them but offered no other information. There is nothing I know of that I owe and I will not call anyone without them giving me real information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation