milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Debt collection (Payday loan) with Torriere Holdings INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I am receiving phone calls on my cell phone and at my place of employment from a company called Spire Recovery Services, claiming to be a collection agency for a payday loan that was filed in a chapter XXXX bankruptcy. They are threatening that " bad things '' will happen to me if I do n't pay them by XXXX on the day of the phone call. My attorney conducted research on the company that shows them to be a scam with an address located in an abandoned warehouse and when I attempt to reach them at the number provided it goes straight to a voicemail box. They called from a local area code but the call back number is from a New York area code and the address is also in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through t he Dept of Ed and tha t resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is showing that I owe {$350.00} on a revolving account. They are reporting it to be in a Negative status. The account was paid of in XX/XX/2015. They refuse to change the status and it is affecting my credit in a negative manor.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Money was not available when promised

Complaint: I have a paypal account, with around XXXX dollars in it. I want to withdraw my money back to my XXXX checking account. I tried two weeks ago, and it shows " Internal server error. '' I contacted Paypal customer service and they did n't reply. I tried again these days and it still shows " Internal server error. '' I tried every approaches, including change browser, clean history but all did n't work. Now they still did n't give me any response, and I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchase my home in XX/XX/XXXX, now this current lending company took over my mortgage loan from another mortgage company early last year. XX/XX/XXXX. My mortgage payment at that time was {$1300.00}. In XX/XX/XXXX my house payment was reduced to {$1100.00}. I assumed it was perhaps my MIP insurance had dropped off as I had heard after 5 years FHA dropped it. I, however assumed, and did n't confirm the lower mortgage payment. I then received this Annual Escrow Disclosure Statement. Now, I have a {$2100.00} escrow shortage! Not only that, my house payment is now to be {$1500.00}! I have attempted to resolve this issue at least 6 times. Spoken to as many representatives. All of them can only recite the data on this disclosure statement! No one has addressed my concerns. How did I, after 6 years of ownership end up owing a shortage of {$2100.00}? Who initiated the change in my mortgage payment? Why was the change made? Why is my new mortgage payment {$400.00} more a month? I checked with my county tax, FHA MIP premiums, both of which the premium remains the same, or less! 
I asked to speak to someone in the Escrow dept, and was told the escrow department does not accept call. The representative said she would email someone in the escrow department and have them return my call. This was 4 days ago. Someone from the escrow dept sent me an email stating the very same information the representatives stated! 
I do n't know where to turn for help? I do not have the {$2100.00} they say I owe, nor can I afford another {$400.00} per month increase in my mortgage payment. Its worrisome how a mortgage company can dictate shortages, and increases without proper explanation to the consumer. I ask for assistance in this matter. 
I simply do not understand how

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My property is in Deed of Lieu and they are claiming that I have missed fourteen payments. I have not missed any because I have re-modified my loan. Could you please correct this on my XXXX and XXXX reports. The account number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY ().
Issue: Deposits and withdrawals

Complaint: I have an checking account with TD Bank. There was a security breech at the XXXX XXXX and all information with regards to card numbers and pin numbers being stolen. They froze my account in I believe it was XXXX and said in the letter explaining the problem that a new card would be sent to me and it never was. I have called several times trying to get my money out of the account but they always say that they cant help me because I cant tell them about any transactions I have had in the last 90 days. The only thing I can do is go into a TD Bank branch and prove who I am, meanwhile a frozen account is still being charged {$4.00} a month for maintenance fee. I am a XXXX running projects in XXXX XXXX and the TD Bank is only in the XXXX states and XXXX. They are basically stealing my money by refusing to give me my money back in a check sent to my house in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Consumer Loan (Installment loan) with Professional Bureau of Collections of Maryland, Inc. (NC).
Issue: Managing the loan or lease

Complaint: PCMB company deceived my mother Monday XXXX XXXX 2016 in the XXXX. stating I left them her number to reach me at. which is a lie I spoke with them on XXXX XXXX 2016 stating I will resolve issue on Monday XX/XX/XXXX once I move money and that I will call them back. I know its against the law for debt collectors to call my mother she has nothing to do with my accounts. I think the should pay debt owed themselves to card company on my behalf for deceiving my mother which has nothing to do with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with First Federal Credit Control (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The XXXX 's visit in question and billed for {$490.00}, on XXXX/XXXX/XXXX, was to have been paid by an agreed third party corporate concern. A statement to that effect was hand written by the patient on the medical intake form the day of the visit and the same was done on all subsequent intake forms and visits by the patient. Had this not been the agreement the patient would have refused the service or XXXX XXXX would not have preformed the procedure. This was a referral by the XXXX XXXX of the patient in this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Closing/Cancelling account

Complaint: I was issued an American Express Gold XXXX Card back in XXXX 2016. I have never been late, I have always paid on time and I have never had an issue. My daughter is an authorize user and went out of the country to XXXX in XXXX 2016. American Express declined her charges and I was contacted immediately. An AMEX representative told me that I needed to provide a XXXX and that they would walk me through the process. I completed based on the instructions, I was also asked to provide my XXXX and Pension information as well. All of this information was provided and I have the income so I was not worried. then 2 weeks later they cancelled my card. I contacted them to figure out they said a box was not checked on the paperwork they ask me to complete. They then told me to pay my balances early and then reapply for the same card it should be no issue. Well it has been decline 3 times stating AMEX cancelled my card. I have called 10 times plus and they are now saying my credit is the issue. There has been no change in my credit from issue of my card to now with the exception that AMEX has had me apply for several cards just to have mine sent back to me. They are very discriminatory and no explanation they have provided has made sense. I have every letter and they also say because American Express cancelled my card. I am a Federal employee and I know the law and will fight this to the end because I know how these companies try to get over on consumers. I have never been late, nor a slow or no pay with my American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: 1 I closed my checking account with Citi-Bank N.A,. The bank did not include my interest earn in my final closing check.. I contacted there Citi gold department but up to today all they keep saying that it 's being worked on ( NO - Check almost one month later ), I was told it 's in the mail. When i closed my Citi gold checking, they SHOULD have provided a complete check with earned interest. 
2- I have not been getting my statements from them on a monthly cycle, which caused late fees, and then I recently got a statement with a different City and state address to me. When i complained to Citibank Citi Gold Customer Services, about it they kept telling me the check is on the way. The true fact is that almost a month later and no check. It seems to me that did not do anything. I suspect my mail is going to this address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with nationstar and they refuse to help. I do n't like talking to them on the phone because they always change information on me so I 've emailed XXXX times now and gotten nothing in response. They wo n't take any money from me because it 's not the entire amount. I just keep getting the run around. I have faxed my paper work XXXX times and they say they still have n't received it. I 've never recieved a letter saying when the house was up for auction. Im just looking to get a repayment plan so I can switch companies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After further investigation into my problem that began on   XX/XX/XXXX , I fi nally discovered what has transpired without my knowledge damaging my perfect credit with no help from  XXXX   XXXX  whereas they continue to willfully violate the Fair Credit Reporting Act.     I had a  XXXX  M FINANCIAL lease which I turned in on  XX/XX/XXXX  (   XXXX   XXXX   ) I extended th e lease by  ( 1 ) month w hich was verified and paid on time just like every payment in this history on this  XXXX   XXXX  Lease that matured on   XX/XX/XXXX .       GM Financial agreed  to waive charges if I took out another lease with them and so on      XX/XX/XXXX   , I    signed for a new lease for a  XXXX   XXXX   XXXX  for 39 months.     Since inception date of new lease (  XXXX   XXXX   ) and disposition of former  lease (  XXXX   XXXX   )  both conducted on the same date (   XX/XX/XXXX  ), I never e ver heard fr om GM FINANCIAL  except for sending me monthly bills on my new lease to which I have paid to date without every being late 30 days ever.     I never received a final bill for my former lea se (   XXXX   XXXX   ) in any capacity. I NEVER received a bill asking for payment by Regular U.S. Mail, Express Mail, email of record, voicem ail on my phone number on record, no text message, absolutely no conveying of a debt owed at all.      First of all, I should n ot have a bill since I acquired a new lease through them again and secondly, If I did have an actual bill, I should 've had a chance to receive a bill to be able to review it and then pay for it. On   XX/XX/XXXX ,  all  XXXX  credit bureaus  (  XXXX ,  XXXX  and   XXXX   ) have me    CURRENTLY at 60  days late.     I have never ever been late 30 days ever to ANY CREDITOR ever at any point in my life and to have this erroneous mark appear with a " Past Due Balance of {$700.00} '' is not only absurd but unprofessional and in violation.     If I was alerted property, I would have paid that {$700.00} is indeed I owed {$700.00} dollars to them.      1st, s ince my lease termed and ended  on  XX/XX/XXXX , WHY did GM FINANCIAL fail  to properly notify me in any capacity and in addition, WHY did they wait 9 months without  zero communications to suddenly place a " current 60 day late '' on my credit reports damaging my c redit reports and damaging my current application for a refinancing of my residential property?     I have now also alerte  d the State Attorney and the Federal Trade Commission.
This erroneous trade-line must be deleted at once by GM FINANCIAL and a  lso must furnish a copy of this alleged final bill of " {$700.00} '' so it can be property paid if in fact this is a factual owed amount and itemized.     Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Several inquiries are on my credit report with out my knowledge and XXXX refused to investigate the inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I had deposited over 25,000 dollars into XXXX. XXXX is an exchange that is owned by CoinBase. 

I withdrew XXXX USD Monday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Tuesday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Wedneday, XX/XX/XXXX. I received it the following day Thursday, XX/XX/XXXX. 

I have not received my XXXX USD to be credited to my USA bank in 44 days ( 29 business days ). I used ACH which usually only takes 1-3 days. 

I sent multiple emails to CoinBase/XXXX  regarding my issue as follows and I've attached the contents in the supplemental documents I've attached. 

XX/XX/XXXX email sent to support website of CoinBase describing the issue. 
XX/XX/XXXX second email sent to support. Generic email reply without any answer to my specific problem. 
XX/XX/XXXX and 2  email sent to support. 
XX/XX/XXXX, I call XXXX by phone and they say they will escalate the issue and to please not send any more emails. " For fastest response, please do not create multiple tickets about your issue. '' - XXXX XXXX XXXX XX/XX/XXXX XXXX No change in status now. 

I called XXXX two days ago and they said they've escalated it as far as they can and that I will just need to wait. 

I am missing XXXX dollars and CoinBase has been very unresponsive and not reassuring if I will receive my money. I am a U.S. customer with a U.S. bank and this is a U.S. company. An ACH that usually takes 1-5 days to send should not take one month.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (WI).
Issue: Charged fees or interest I didn't expect

Complaint: XX/XX/2017, Received a phone call from a woman named XXXX she called from XXXX from XXXXX WI. She told me that she is trying to delay the warrant for my arrest. That I should call Chief Investigator XXXX Phone number XXXX and provide him with this case number XXXX. In fact, XXXX XXXX calls me at XXXX on XX/XX/2017. Tells me that they will be coming out to my house to arrest me at XXXX. XXXX, WI that may also take a while to have a judge see me due to my past record having Theft record, I said that was dismissed, I did not do anything. But if I want to take action in not going to jail. That I would have to pay {$1500.00} that he is going to transfer me to a person who will give me what I need to pay. He transferred me to a woman XXXX, she provided me with the information XXXX & it would go to XXXX. The Account number is XXXX, Routing number XXXX. I would need to call XXXX after the transaction is complete. So I call my attorney he advised me not to pay, Investigator the money. The Attorney did find any type of complaint filed. Also, the attorney stated that this was a new way to scam people for the money if he does call back. To ask him to send me a bill. As I was talking to the attorney I received a phone call from my cell I answered it and XXXX he called from this phone number XXXX XXXX County Sherriff he was going through with criminal complaint at the sheriff 's station.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase Bank closed all of my accounts without providing a reason. When I ask for an explanation all that I 'm told is, Chase has decided that they no longer want do business with you and we have terminated our relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXXXX/XX/XXXX EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX - XXXX XXXX XXXX - XXXX Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX DOES NOT have those accounts number attached to THIS ADDRESS! And electing to leave it on my report. 
I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

Company response to consumer: Closed with explanation