milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, Transunion and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.

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 11-08-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Good Morning to whom may concern, RE : Case XXXX, I, XXXX XXXX XXXX still in disagree with Bank of America in regards its refusal to delete of the Full Reconveyance ( Home Loan ending in in XXXX ), the last three lines that states on the scenario of full collection enforcement of the debt related to this Deed, even it was already BK Chapter XXXX discharged. 
So Far, I just received a letter of a third party " Law Firm '' from BofA that states on this matter wo n't be enforceable by any form by collection. 
I am in demand that Bank of America ammend the Deed of Reconveyance with the last lines related to the possibility of collecting the discharged debt. 
I 'll considering this matter dismissed when this legal recorded document has been edited with the part in conflict is deleted. 
This will be corrected in writing, clears the water. 
Thank You CFPB Staff

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 07/29/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My health insurance did not pay the claim originally because of the way it was submitted. I contacted the insurance co. And they resubmitted it and paid the claim in XXXX XXXX. I contacted the collection agency recently to ask them to contact the credit bureaus to say the collection was an error. They told me their client sent them an email in XXXX XXXX saying to continue to try to collect. I spoke with a representative on XXXX/XXXX/XXXX and they told me to fax the paid claim statement which I did. I just looked the account up online and it says I owe {$20.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.

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 08-11-2016 about Debt collection (I do not know) with DYNAMIC RECOVERY SERVICES, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received repeated and daily calls for Dynamic Recovery Solutions from XXXX XXXX XXXX XXXX. I have never lived XXXX. I have lived in XXXX, FL since 1981.

Company response to consumer: Untimely response
Consumer complaint received 12/31/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: zip. they keep reinserting incorrect info.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: My husband and I disputed many accounts and inquiries on XXXX, Experian and XXXX  in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.

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 08/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was recently transferred to GreenTree Servicing. In the transfer process, a {$1000.00} principal payment was lost and removed from our account. I sent all payment history verifying the payment was received by the previous provider and now GreenTree is holding the payment along with another {$1000.00} principal payment rather than applying it to the balance of our loan. I have contacted Greentree XXXX times with regard to this problem and have received no resolution. I believe this a a violation of our Loan Agreement per the following : '' I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a " Prepayment. '' When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. 

I may make a full Prepayment of partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note .... '' Are there any actions we can take to get them to apply the funds to reducing our principal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: XXXX responded to my previously complaint # XXXX. I was desatisfied with their response. To say they are sorry for my negative experience that date is meaningless. That date I felt betrayed, disrespected, offended. And even worse when I check my credit and noticed that I have a negative report from Toyota. The company that that did not bother to inform one of their client that I have a balance, but yes you informed the credit burea and transfer my account to collection, your partner to be treated without respect to say the least. And you are expect me to contact the same people to make a payment plan? Shame on you. Do you have any idea the cost I paid that date? Have to leave my job because I was highly upset, I work with XXXX XXXX XXXX XXXX XXXX so I have to XXXX XXXX XXXX. I had to take a cab to go home, I could n't sleep that night so, I was unable to work the next day. So I did n't get pay for the time I did n't work, of course. All these events were unnecessary if you would have the time to call me, email me or send a Simple letter. I had made all my payments on time When I was your client, I should n't be treated the way I was, and punished with my credit. Do n't take this lightly I was a very good client of yours. Be truthful I did n't receive any call or you leave a message in my voicemail.. I think I should be the one compensated, for the damages in my credit, for the time I was no able to work, and specially for the XXXX XXXX I went thru.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My XXXX previous disputes as TransUnion has considered All of them as frivolous, even with documented proof of Idenity and noterized documents with certified Letters. To this date TransUnion have not provided me with a written Letter of proof that All reported information is actually mine, instead TransUnion is relying on a third party for second hand information, never producing written proof of any signed documents with my signature on it with in a 30 day period as stated by Law ( The Fair Credit Reporting Act, ) but refuses to Totally Delete All Unverified Credit information that is not mine. TransUnion isi llegal and fraudulant reporting practices is severly crippling and hurting my ability to obtain credit with potential creditors to purchase a car or house for my family. This is disgusting and totally unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Medical) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This {$970.00} collection is showing up on my report.I do not know this Dr. office or Doctor. have never been there. I have left messages at the office but no one will return my call for 2 weeks now. I am a vet trying to purchase a home and I really need this off my report. Also I have never been to see a 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 03/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Settlement process and costs

Complaint: My loan was sold by XXXX to Caliber. I called in to make arrangements. XXXX/XXXX/15 I made the arrangement with a representative who told me I would be sent a letter to agree to and sign to get the deal going ... .I never recieved a letter to sign, however I did recieve a letter XXXX the wrong dates and amounts I had agreed to. the letter said the money was due on XXXX XXXX or I would be in default and the amount due is incorrect ... .. 
In the meantime my wife is handling all the business of the loan, altho the loan is in my name, I sent a letter of authorization on XXXX XXXX, 2015, They have not uploaded it as of yet and they refuse to speak to my ; wife, I was unavailable to give them verbal authorization and was sure of the fact that I had sent the authorization and they would speak to her. they told me that the letter of authorization was there but has n't been uploaded yet so they wo n't speak to her, allowing us to clear up the situation ... the letter threatens me with default if the money is n't in on XXXX. XXXX, but that was not our agreement ... ... .I will be penalized because of the inefficency of the company that holds my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (NE).
Issue: Managing the loan or lease

Complaint: I took out a XXXX loan and now the company says the first five payment don, t count on the loan I would be paying 788 % interest which they didn, t tell me it is with big picture loans out of XXXX there address is XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I believe its a real scam I don, t have that kind of money Sinerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cach llc has failed to verify the {$1200.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification several times, month after month since XXXX 2016. I still have the documents i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action to file a small claims lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. Cach llc is headquartered in XXXX, XXXX but there is no active status in California according to " California XXXX '' so i 'm not sure who or what should i label as the defendant on my lawsuit due to jurisdiction statute. I 'm ready to take action, I just want the reported debt account to be removed from all XXXX of the credit bureaus, as it is illegal reporting.

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 11/21/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (MT).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Wells Fargo changed my address without asking permission or notifying me of the change. I can be immediately notified when I make a transfer yet, somehow when they change my address the only notification is via USPS in 7-10 days?? When I needed to use my card in an urgent situation, it was denied six times  because it said I did not know my own zip code. How humiliating. Then after I raised a stink, they froze my card and said I needed to drive to a branch ( over 40 miles ) to show ID. Do I have any privacy rights? Oh the irony of having to provide my billing address ... ... let me see, shall I use mine or the one the bank gave me?

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 04-06-2017 about Debt collection (Non-federal student loan) with AES/PHEAA (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX XXXX XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a teacher with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX XXXX and XXXX XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and first marble head.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with Messerli & Kramer P.A. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never heard of said debit till I checked my credit report and then come to find out its from 2006, I do not recall this debit and its past the statute of limitations ... I did ask for verification of the original contract and sent a judgement again I no knowledge of this judgement and I am on 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 09/20/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (WI).
Issue: Struggling to pay mortgage

Complaint: I knew we were behind, and I 've been working my tail off to get caught up on our bills. So, on XXXX XXXX, XXXX I called Quicken to make a mortgage payment and was told at that time they needed " 2 '' payments. Well I only had one. So on my next payday, XXXX XXXX, my wife XXXX called to make a double payment and she was told they could n't accept two payments but would need the entire past due. Well, obviously we did n't have it. So Quicken sent me an " Application for Success ''! We filled it out and emailed it back, the guys name was XXXX XXXXXXXXXXXX. All this was done on XXXX/XXXX/XXXX. 
At XXXX on XXXX/XXXX/XXXX XXXX XXXX called me at home and said they need the entire amount past due and that we do n't qualify for any of their repayment programs. We 've surrendered a vehicle already, and will be the second one at the end of XXXX, XXXX. I wanted to make sure we had enough money to pay the regular mortgage payment plus the repayment amount. 
Now am told they will only accept the full past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Medical debt) with Midwest Recovery Systems (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am writing in reference to Midwest Recovery Systems. I do not have a signed contract nor any contract with this Agency. There has been absolutely no correspondence or notification from this company at all. This company has first fraudently reported the " Opened Date '' as " Unknown '' & then later reported the open date as XXXX.XXXX, 2017 the date the collection was placed on my Credit Report without notice. I demand to see a signed contract between Midwest Recovery Systems and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Coinbase, Inc. ().
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX I made a {$100.00} purchase from Coinbase.com They debited my card {$100.00}, then hours later another {$100.00}, which was unauthorized. 

Then last night XX/XX/XXXX another {$100.00} was removed from my card, I did not authorize this transaction. 

The incident on the XXXX caused three missed payments and an NSF fee from my bank of {$140.00}. 

I have canceled my credit card for fear of another unauthorized purchase. 

I contacted coinbase with multiple case numbers XXXX XXXX + XXXX + XXXX, and today for the {$100.00} case number XXXX. I have made 3 phonecalls to their support, but all they do is write up an email and send it to another level of email support, whomhave not contacted me back.

Company response to consumer: Closed with explanation