milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has an item listed on my account from XXXX. They are saying I owe XXXX XXXX money. This is not true. I have not lived at XXXX XXXX for almost a year. When I lived there, I always paid my rent on time. I stayed through the term of my lease, and gave notice I was moving out. I do not owe them any money, and they never refunded my security deposit. I want this item removed from my credit report, and I want my security deposit refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan stated with XXXX and was quickly sold to XXXX XXXX XXXX who just sold it to Carrington Mortgage Services. XXXX had applied and according to the letter they sent me on XXXX XXXX, 2015 that HUD had approved discontinuing MIP. They sent me a letter stating my annual escrow review had been done and my escrow payment was {$190.00} but was going down to {$100.00} per month. I made my XXXX payment through an Escrow company and the check was cleared XXXX XXXX, 2015. I received a letter from Carrington stating no monies had been received. I verified with the Escrow company that the payment had been made and cleared and then contacted Carrington. I was again told no monies were received only after a lengthy discussion did the customer service rep finally admitted they did have the payment. She stated it not applied because they the amount was insufficient according to their records. I shared all the dates and statements I had received from XXXX and was told that she was just trying to keep me from being foreclosed on. She also told me not to talk but to listen to her because if I did n't make a payment right then the rep would not help me. She also tried to make me pay the entire payment until we had another long discussion that they had the entire payment less {$85.00}. She accepted my checking information and only after she had it did she inform me there would be a {$15.00} fee payable to XXXX XXXX. Giving the media attention regarding issues with XXXX XXXX I objected and was told I had no choice. I asked how this could be resolved and was informed it was up to me to provide Carrington with all the documentation including those sent by Carrington. She gave me a phone number to the research department that turned out to be a non working number. I also asked to speak to a supervisor on several occasions and was told no each time. She took my phone number and said a supervisor would call it has now been XXXX days and no return call. I was also informed by a XXXX customer rep that all the information regarding the MIP and escrow changes were provided to Carrington. He also refused any assistance stating they had closed out the loan so it basically was n't their problem. When I spoke with the Carrington customer service rep she informed me that she found no such records, Ironically on XXXX XXXX, 2015 Carrington issued me a check for a Escrow refund, my question is how did that happen? I have read numerous complaints from individuals who had their mortgages sold by XXXX to Carrington and a vast majority report numerous issues with Carrington. This is a FHA loan and the government needs to investigate this company and it 's practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have credit monitoring services with several companies to be able to moniter my credit on a daily basis. I received an alert on last week regarding XXXX inquires that had been removed from my report by transunion. One week later Transunion reinserted those inquires and it caused my credit score to drop by XXXX points. I pride myself on maintaining good credit and having an XXXX credit score. I do n't know why Transunion is playing games with my credit report and score. They should not be able to remove and insert items at those items at their will. I would like for you to investigate and remove those items so that I can restore my credit score to what it was, which is XXXX before they played games with my credit report. Thank You.

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 06/28/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have underwent a home loan modification with CitiMortgage. The agent explain to me as long as I make the XXXX payment ontime they will not report me negative to the credit bureau 's. But overall, I have been trying to get this matter cleared up since the long modification went through on my home. I made all payments on time and have not been late on payments since this modification. I have yet to get Citi Mortgage to hold their end of the agreement to make a correction to my credit report. Please help in this matter. I have been hung up on by several rep 's with no showing of concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: American Express Centurion Bank has obtained a judgment against me in case XXXX on XXXX/XXXX/2010 in XXXX XXXX, CA XXXX Court. I do not have details as to facts they claim since I was never served and did not have such account. After I advised them that I was never served and I was victim of Identity Theft, they advised me that entire case is promptly going to be dismissed. However, case is continuing to show in my credit reports and in the records of the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have money invested with Coinbase. I now wish to withdraw my funds from my EUR Wallet and GBP Wallet. I have set up my XXXX bank account with Coinbase as requested. I have deposited XXXX Euros as requested ( on two occasions now ) which is part of Coinbase 's verification process. The money is showing as received in my Coinbase EUR Wallet and my EUR Wallet account has been credited. No when I click on the withdraw button the software directs me to the account verification page and requested that I deposit yet more money into the Coinbase EUR account so my XXXX bank account can be verified. I have emailed Coinbase, tried calling them and followed all on-line help available from Coinbase but can not get my money back. I am now starting to think Coinbase are either scammers or are having financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX invoiced me without submitting to my insurance company. I submitted the claim and my insurance covered 100 % ( the full amount was discounted according to my insurance company ). XXXX XXXX has sent the full amount to collections. I have repeatedly sent the explanation of benefits to the collections agency and XXXX XXXX and they continue to harass me for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I completed a loan modification a few years ago and i still paid the minimum payment on my account. The company reported that i was late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Credit card) with Timothy C. Runyan, P.C. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX my wife. Filed bankrupcy, her credit card debt was included .XX/XX/XXXX shores agency, call me to court, iwas not aware of card.idefault for not going to court.they won on my default, not the case, because they did n't have evidence, on my name on contract my wife lawyer contacted them, he got no response, they took my XXXX and XXXX income tax, says I still owe XXXX balance, and will take assets, it was a XXXX credit card debt, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company calls at least twice a day attempting to collect a debt that I do not owe, I have talked to someone at least once a year and th ey tel m e they have my home phone number for someone else other than me, the company continues to call me year after year for the past 8 years. They stop calling fro m one nu mber then call from another number. At this point, no one answers when I pick up and I believe they are robo-calling, it is annoying and I now believe this company should compensate me for the years of repetitive calls for a debt that is not owed by me!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I contact BMO Harris Bank back XXXX 2015 for a short sale. At the time, I was working with XXXX XXXX and XXXX XXXX. they were both great to work with and very good at getting back to me, and vice versa I provided whatever they needed in a very quick turnaround. Well after getting approval, the buyers financing fell apart, so the deal was dead. About a month later we received another buyer netting same thing to the investor but I was transferred to working with those XXXX ladies to working with XXXX XXXX, and immediately following to XXXX XXXX now. She is horrible at responding to emails, and does not return phone calls and we are going on and on now waiting for approval again of something the investor already approved a month before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Consumer Loan (Installment loan) with SB Holdings, Inc. (CA).
Issue: Managing the loan or lease

Complaint: I am a XXXX man with hearing problems. I purchased a hearing aid which was sold to me as 12 months same as cash. I received a coupon booklet with payments starting in XX/XX/XXXX. I have made every single payment starting on XX/XX/XXXX with the impression I would not own any interest. XX/XX/XXXX I received a letter from Allegro Credit stating I owned {$610.00} interest. I called Allegro and they stated they sent a notice XX/XX/XXXX regarding this I never received this notice, furthermore, they never sent any monthly notice reminding me what I owed and when the same as cash ended. I find this very deception. Why would they not send me a monthly statement, and only provide a coupon book that started in XX/XX/XXXX. As a lender they should be required to give me a monthly statement. I now owe money that I will need to borrower as I can not pay this. This should be illegal for Allegro to be so deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a few years ago i have XXXX mobile phone service after few months i transfer my service too XXXX i talk with sprint on that time and they send me return kit for phone the phone i got from XXXX and after that i send that phone back to XXXX i also send them prepaid XXXX card that i got from XXXX because XXXX want me too pay my bill too XXXX. now i got this bill from XXXX and i do not owe this money i talk with them and they said u have too pay otherwise this money goona stay on your credit report and they already did that please help me thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We bought our house XX/XX/XXXX in benefit of our family. we have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all responsibilities. I was sick and XXXX. XXXX owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP TRIAL PROGRAM. XXXX TOLD ME TO CONTINUE MAKING MY PAYMENTS WITHOUT SKIPPING ANY PAYMENTS. I continued making my payments every month but they continue asking for the same documents over and over. every month I asked them when will I get my final approval the answer was they were waiting for another department to finalized the paperwork and they will send my final approval by mail. after a year XXXX TRANSFERRED OR SOLD MY LOAN TO PENNYMAC BANK without asking me or telling me anything. It was until maybe 2 months later when I received a letter from PENNYMAC BANK SAYING THAT THEY WERE MY NEW LENDER. 
THIS IS A BREACH OF CONTRACT. PENNYMAC BANK SAID THEY COULDNT PROCESS MY PAYMENTS AND I HAVE TO START ALL OVER AGAIN!!!. 
THEY SAID THEY COULD N'T HONOR MY PAYMENTS BECAUSE THEY DIDNT HAVE MY FILE. XXXX INTENTIONALLY SOLD THE LOAN TO PENNYMAC BANK AND NOW THEY DO N'T WANT TO PROCESS THE LOAN MODIFICATION. AFTER ALL We continue communicating with PENNYMAC BANK looking for more options to avoid losing our house. We tried asking for help and they were sending us misleading information by mail to apply for their programs but we were declined all the time, we tried XXXX program but PENNYMAC BANK did n't want to participate on their programs. it has been very stressful situation and severe emotional distress due to their actions and negligence on the law. These banks abuse the borrowers right as a Lenders and they do unfair business practices. 
PENNYMAC BANK MOVED IN TO A FORECLOSURE PROCEDURE without trying to honor a Loan Modification. they continue charging us late fees and legal fees on top the the NEGATIVE LOAN BALANCE THAT WE ALREADY HAVE ACCUMULATING IN TO MY LOAN AMOUNT. CITIMORTGAGE AS WELL PENNYMAC BANK ARE FULLY RESPONSIBLE OF THIS SITUATION DUE TO THE BAD AND ILLEGAL PRACTICES. PENNYMAC SHOULD KNOW THAT WE WERE ALREADY APPROVED FOR SEVERAL MONTHS BEFORE THEY ACQUIRED MY LOAN. 
On or about XX/XX/XXXX the filed an NOD they were supposed to contacted me as a borrower and explore options and avoid foreclosure but they did n't. I tried to avoid foreclosure all the time and I will continue fighting for my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am trying to refinance my home. 
Equifax will not provide restore. 
Because XXXX has lost/stolenWhich is their policy. I took daughter of card. 
Equifax wants it removed or explained! Bank says there isNo need because it does effect my score. 
HELP. Yesterday Equifax said I had a dispute against XXXX. XXXXThere was none. The other reporting agencies did not show. 
If I lose financing Who will help me for Equifax nonsenseRequests?

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have repeatedly been called at work by American Express after asking them to stop. Today, XX/XX/2018, they called my work again and my mother 's phone, which has never been provided to them. I was told the same thing I have been told twice before, they would no longer do it again. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On Tuesday, XXXX XXXX, 2015, I cancelled my Internet and TV service from XXXX and verified that I had a XXXX balance with the account representative. Indeed, XXXX 's partner ( XXXX ) actually processed a refund for money I was due. However, on XXXX XXXX, 2015, I received a bill collection notice from Convergent Outsourcing ( which may be owned by XXXX ) stating that I owed {$410.00} for non-payment to CenturyLink, even though no notice of any such debt was ever presented to me from CenturyLink. I believe the attempt to collect this non-existent debt is simply XXXX " punishing '' me for choosing a different Internet and phone service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I dispute XXXX XXXX XXXX account it was purchase from XXXX account # XXXX credit report show last payment XXXX. XXXX XXXX XXXX claim last payment XXXX, in reality last payment was XXXX. Because more than 7 years from last activities XXXX and XXXX after investigation remove XXXX account # XXXX and XXXX XXXX XXXX account # XXXX from report. Equifax remove only XXXX but refuse to remove XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: BANK OF AMERICA , NATIONAL ASSOCIATION has for over the last three years done every conceivable thing one could do to insist that the debt IT is attempting to collect derives from a promissory Note secured by a Mortgage that was executed by XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) on XX/XX/2006. 
Go to XXXX. 
The Note identified the lender as XXXX. The Mortgage stated the lender was XXXX., a corporation originated, and existing under the laws of California . 
Again, go to First Attachment. 
The disturbing issue here is the loan number that is displayed on both the mortgage, and the note is Loan Number : XXXX, with a Mortgage Identification Number registered with XXXX as : XXXX. 
Again, go to First Attachment. 
The loan number that is displaying from COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS that provides residential loans in the UNITED STATES is : XXXX??? 
Go to Second Attachment. 
COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS has never contracted, nor provided any kind of residential loan to the Consumer, as evidenced by the XXXX distinct, independent, and separate loan numbers as proven above.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Dates-XX/XX/XXXX, XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed 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 explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: TodayXX/XX/XXXX I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from XXXX XXXX wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.

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 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i have asked them repeatedly to correct information on a loan with rise financial this loan was paid and on the credit report it says i still owe then they have not updated this account since XX/XX/2016 this is affecting my credit score and loans to get this needs to be deleted this loan was paid in XX/XX/2016

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCB Credit Serivces, Inc (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks

Company response to consumer: Closed with explanation