milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I've recently pulled my credit report and noticed that there's a collection from XXXX XXXX XXXX on my credit report. Over the past 4 months I have requested validation of this account from XXXX XXXX. As of today ; I have not received any correspondence from XXXX XXXX regarding this collection account. As per the FDCPA, I have the right to request a validation of this debt. XXXX XXXX XXXX is reporting invalidated information to the 3 major credit bureaus ; which is considered defamation of character. This negative listing on my credit credit report does not allow me to enjoy the benefits of good credit. Until XXXX XXXX validate this debt, they can not continue collection activities nor report this information on my credit report.

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 02-09-2018 about Debt collection (I do not know) with FEDERAL PACIFIC CREDIT COMPANY, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of my credit file and discovered this account on there stating that I owed them {$160.00}. I have no knowledge of this account. We have no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Other

Complaint: On XXXX XXXX, 2016, I mistakenly mailed a check to USAA credit card XXXX. The check was for {$2500.00} and was made out to XXXX XXXX XXXX. On XXXX XXXX, I realized I had maybe made an error and had sent the check to USAA. I called USAA credit card services and was told that they had not received the check and would not cash a check not made to them. On XXXX XXXX, I called my checking account bank, XXXX and was told the check had been cashed. After going to XXXX I received a print of the front and back of the check and surely enough it had been cashed by USAA on XXXX XXXX, although I had a credit due from the USAA credit card of over {$100.00}. On XXXX XXXX, after calling USAA, I was told that they could not issue me a refund until I called them back in 10 days. The reason given was that they had to made sure the check was valid since it came from an external source, although I had a copy of the cancelled check in my hand. I was also told that they could wire the money to the bank that day, XXXX XXXX, but I would need to pay them 3 % of the amount wired. 
On XXXX XXXX, thinking that I had made a clerical error in my check book, I had issued XXXX XXXX XXXX another check for for {$2500.00}. Now, USAA could not return the check for another 10 days or more but could immediately wire the money at considerable cost to me. 
Translated that means pay USAA {$77.00} and they will wire the money immediately or call USAA in 10 days and they will mail me a refund whenever. 
I had to borrow money from my son to cover the second {$2500.00} check until my husband arrived from his work the following day to issue me another check for the same amount. 
I am very unhappy with USAA and will be cancelling the credit card as soon as my money is refunded. I hope I have described the situation clearly. Thanks for any help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have noticed that each month Trans Union is LOWERING my credit score that it is reporting to XXXX XXXX, and all businesses who inquire as to my credit. They have now, this month provided my creditors with a BELOW AVERAGE score, which is FALSE and slanderous. This is deliberate to thwart my attempts to further my business associations. I have XXXX late reporting and XXXX past due on ALL of my credit accounts and Above Average ratings with all of my creditors. There response is insufficient reporting time for each card. YET MY SCORE WAS ABOVE AVERAGE MONTHS AGO, SO HOW THEN IS THAT AN HONEST SCORE REASON, WHEN MANY MORE MONTHS HAVE GONE BY, ONLY STRENGTHENING THE TIMELINE FACTOR. The other negative explanation stated was too high of balance to credit line, yet I pay almost XXXX percent of my balance EACH MONTH ... .miles more than almost all credit consumers. I have been battling FOR YEARS with the credit reporting agencies committing criminal intrusion into my credit file, and it appears it is STILL CONTINUING. No law abiding, fair credit reporting agency would provide FALSE AND DEFAMATORY information on a credit file. I will continue to take legal action EVERY time there is an issue with my credit files an reporting as it appears, I have no choice, being that these types of misinformation have been going on for several years now in my credit file. I want the CORRECT ABOVE AVERAGE SCORE REINSTATED TO MY CREDIT FILE, OR I WILL TAKE THIS TO COURT.

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 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a Settlement Offer. I responded to accept the offer. I sent my credit card information to take the settlement offer. However they never updated my credit report to reflect Paid in Full as indicated in the settlement offer..

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I keep getting phone calls from numerous different phone numbers. There is never a message left on my voice mail, or with who may answer my phone. Today I answered, and I requested a paper bill since i have never received XXXX. The representative stated that there were XXXX previous letters mailed this year. She then went on to say that it sometimes appears as junk mail because there is no return address is on the outside of the envelope. She urged me to just go online and look at the account that way. I do n't care if they design their correspondence to resemble junk mail so that they can pull this XXXX people. I was also a bill collector, and know that what she is telling me is bordering on unethical.I re-asserted my right to a paper bill, and she said that she would note that this has been a refusal to pay the debt. I reiterated to her that I am simply asking for something on paper, and have not refused to pay. I stated to her that she is lying in her notes if she does document the call in that way, and that I would be making my own notes of the call. I informed her that I would specifically be noting how I requested a bill, and got the response that I was refusing to pay the bill. I told her that I would be doing this to protect myself when this went to court to show how Portfolio falsified their call notes when I simply requested a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each one of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE BEEN DEALING WITH OCWEN LOAN SERVICING FOR SEVERAL YEARS TRYING TO GET A SHORT SALE APPROVED. IT HAS BEEN IMPOSSIBLE. THE SERVICING IS IN XXXX AND THOSE CUSTOMER SERVICE REPS ' READ A SCRIPT AND ARE NO HELP..NONE AND WHEN YOU TRY TO GET SOMEONE IN THE UNITED STATES TO SPEAK TO YOU IT COULD BE WEEKS OR MONTHS BEFORE HEARING BACK. 
MY HOUSE IS UP FOR SALE ON XX/XX/2017, NO NOTICE, NO NOTHING, JUST A CALL FROM SOMEONE IN XXXX TELLING ME SHORT SALE WAS APPROVED AND I WOULD HAVE PAPERWORK WITHIN A FEW DAYS ... BUT, " OH, BY THE WAY '', YOU SALE DATE IS XX/XX/2017. I WAS FURIOUS. WE HAVE BEEN WORKING DILIGENTLY ON THIS END TO GET THINGS FINISHED WITH NOTHING, ABSOLUTELY NOTHING BUT LIES AND DECEIT FROM OCWEN. I TAKE CARE OF MY XXXX MOTHER AND MY GRANDSON. THIS IS HORRIBLE, ESPECIALLY WHEN YOU HAVE THE BUYER READY TO GO AND OCWEN STILL CA N'T TELL THE TRUTH. THEY HAVE STATED THEY " MISPLACED '' THE SHORT SALE PAPERWORK, LOST IT ... AND THEN FOUND IT AGAIN. NOW THEY ARE ASKING FOR AN APPRAISAL DAYS BEFORE SALE AND THAT CERTAINLY WO N'T DO ANYONE ANY GOOD ESPECIALLY SINCE THEY HAVE HAD SEVERAL SINCE THIS PROCESS STARTED. OCWEN ALSO PUT FORCED INSURANCE ON THE PROPERTY BUT HAVE NEVER EVER EVER FIXED ANY PROBLEMS THAT HAVE BEEN EXPERIENCED AT THE RESIDENCE. STORMS, ROOF PROBLEMS, TREES DOWN, DAMAGE TO THE WALL FOR THE FOUNDATION DUE TO STORMS ... .NOTHING ... THEY DO N'T EVEN CALL BACK ... ... THIS IS HORRIBLE TREATMENT ... ..HORRIBLE .... 
MY ORIGINAL MORTGAGE COMPANY WENT BANKRUPT, THEN THE SECOND DID THE SAME AND THEN I WAS INTRODUCED TO OCWEN AS THE SERVICER AND THEY ARE DOING NOTHING BUT SUCKING THE LIFE OUT OF PEOPLE.. WHERE IS THE HELP, THE MODIFICATIONS, NOTHING BUT LIES AND DECEPTION. 
WHERE AM I TO GO WITH MY XXXX MOTHER ...?????????? 
I HAVE WORKED ALL MY LIFE AND HAVE BEEN HERE IN THIS HOUSE OVER 15 YEARS. I GOT THE BUYER FOR THE PROPERTY, THE MONIES IN ESCROW, EVERYTHING AND THEY CA N'T GET IT IN FRONT OF SOMEONE WHO SPEAKS ENGLISH AND CAN READ A DOCUMENTS ... .WHERE DO WE GO FROM HERE .... 
LIARS ... .ALL LIARS .... 
I HAVE DOCUMENTED EVERYTHING ... NAMES, TIMES, EXTENSIONS, ETC ... ALL OF IT.. 
TELL PEOPLE ... .TELL EVERYONE ... ..SOMEHOW WE NEED TO STOP THIS CRAZINESS ... NOW .... 
OCWEN ... ... ..LIARS ... ..THEIVES ... ... LIARS ....

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Settlement process and costs

Complaint: We agreed to purchase a bank owned property for full asking price in XXXX XXXX and the offer was accepted. We placed 10 % of the money into escrow. The bank delayed closing then until XXXX XXXX because of a right of redemption that was placed on the property. Then the ROR was waived and we signed closing documents on XXXX XXXX, XXXX and wired the rest of the money out of our account. Now, a week later, the bank has the entire purchase price but has failed to release the property to us and we are told that this will take more time because they require another appraisal.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Chase has stated it did an investigation and did not receive any letters of dispute. Chase did not do an investigation. On XXXX XXXX, 2017, I sent Two letters of BILLING ERRORS and requested specific documentation. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX. I received no response. On XXXX XXXX, 2017, I sent a second Notices. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX, requesting specific documentation. I received no response to the questions stated on the BILLING ERROR. Under the FCBA the Creditor has 30 days to respond, no more than 2 billing cycles, and 90 days most! All of that has come and gone with no response to my concerns or questions. This constitutes the alleged debt cancelled, without negative marks on my credit report under the FCBA. I no longer have a valid agreement or contract with CHASE and will excersise my administrative rights under the full extent of the law. Any further contact or attempt to collect will be considered harassment. I reserve my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: HFC, Member HSBC Group, XXXX. XXXX XXXX, XXXX, XXXX XXXX:1. Refinanced my original mortgage, {$140000.00} XX/XX/XXXX and consolidated XXXX mortgage for {$60000.00} into new principal balance of {$210000.00}. Reported the {$68000.00} XXXX mortgage as Charged Off and sold it to XXXX XXXX XXXX XXXX, Attn : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX has me in Collections and the inaccurate information is being reported as Negative and effecting my XXXX Score in a very negative manner. 

2. My original mortgage did not have the provision to pay Real Estate Taxes but HFC paid {$10000.00} to a parcel in the City of XXXX and charged me with an additional {$10000.00} thus increasing my principal balance to {$220000.00}. I have been disputing this fact since XX/XX/XXXX and have not received resolution. 

3. HFC did not report to any Credit Bureaus from XX/XX/XXXX to current and there are ( XXXX ) XXXX days past due on my Credit Report. 

4. I refinanced with HFC in XX/XX/XXXX, paid on time, and HFC did not report new mortgage and reports as XXXX+ days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: I have a credit card with American Express # XXXX XXXX XXXX. Due to loss of income I missed about 3 payments in 2015. I have made monthly payments every month since XX/XX/2015. I received a 2nd call from their collection dept today from XXXX from someone very obviously in XXXX. Amex evidently has not updated their records with these foreigners. My account is not in collections - it is current. I am being harassed to pay a settlement or they ( from XXXX ) threaten legal action. I want this stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2018 about Debt collection (Other debt) with The CMI Group, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke with company and the debt was paid in full.

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 03/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX later to become Navient held both federally insured student loans for my XXXX and XXXX. 

From approximately XX/XX/XXXX through XX/XX/XXXX I was involuntarily unemployed. XXXX advised I could go into forbearance and did not offer a hardship deferment as an option. The result was an exponential increase in my debt by accumulating interest charges. 

In about XX/XX/XXXX I consolidated all of my debt with the DOE to qualify for ICR repayment and later public service forgiveness. I spoke to the DOE Ombuds Office who said they understood the situation but could not do anything as the issue was with XXXX/Navient. They suggested I reach out to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Per my recent credit re port CBNA pulle d a hard credit check on  XXXX / XXXX / 2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this account.

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 10/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Stearns Ventures, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have previously submitted a complaint about Stearns taking principal payments, and applying them to monthly payments ( interest, escrow ). When I have asked to have them reversed ( i.e. have the money put directly to principal as I had originally instructed ), I then got a letter saying I was delinquent in payments ( as my autodraft payment was pushed back when they got my check for extra principal ). I got a response from Stearns via CFPB saying that everything was fine, I was not delinquent and I had not been reported to a credit agency. I sent another check to go to principal in XXXX, and the same thing happened- it was partially applied to a monthly payment. I called to ask them to apply it all to principal. I had to speak to a supervisor to assure that my autodraft was not messed up and that I would not again be accused of being delinquent. When I said this has happened multiple times and how do I assure payments go only to principal, I was told their payment address is a " lock box '' and it is automated, and it does n't matter what you write on it, that it is going to take it as a payment. I was given an alternate address to send principal only payments to. My question is why is this not stated in their payment instructions? Why was I not told this during my numerous conversations with Stearns before?

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 05-11-2017 about Mortgage (Conventional home mortgage) with Suna Capital III, LLC (PA).
Issue: Trouble during payment process

Complaint: On  XXXX / XXXX / XXXX   XXXX  sold the loan t o Suna Capital -  XXXX   is out of bus.    Suna servi ced the loan from  XXXX / XXXX / XXXX  to i believe  XXXX .    Suna  capital payments were p % i, then starting XX/XX/XXXX  i requested to include the taxes and insurance within the payment.   made lump sum   Suna Capital plus paid there legal fees. provided documentations.
Then Suna Capital sold the mortga  ge to  XXXX   XXXX  in  XXXX .   the escrows according  XXXX   XXXX  were never transfered over.     i was told by  XXXX   XXXX  to contact   Suna Capital to get the escrows transfered.
Suna Captial contact pe  rson is  XXXX   XXXX  whom was very difficult to deal with. He made me feel like i was stupid and i believe that he would of preferred that my home go to foreclosure.   he made very degrading comments. he mentioned that people were contacting him about my home and that it must be in a nice area. he aslo said i was better off to walk away. that is very unprofessional.   My attorney his name was Attorney  XXXX   XXXX   XXXX   Suna Captial  attorney was  XXXX   XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: CRA ... XXXX AND XXXX ... REPORTING INCORRECT XXXX XXXX XXXX DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA  REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Other transaction problem

Complaint: CoinBase Has locked my account, I can not buy/sell or transfer crypto currency.  I owe XXXX dollars on the account and it is in good standing.. I have been trying to contact them for almost a month and I did not get my emails answered. I called them today and spoke with a woman she said she was going to escalate it.  And that she is sorry.. This is unacceptable to be holding my money like this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Billing disputes

Complaint: In XXXX 2014 I was scammed and was charged {$9000.00} from my Bank of America Visa Credit Card, I think the {$4000.00} charge is still under investigation but the {$5000.00} dispute was closed and now they are beginning minimal charges against my card. I made every effort to give them information and documentation regarding this fraudulent activity. I do n't understand how they could close this case knowing that this was a result of fraud. I think that this may be an inside job ... you can call me at XXXX. Any help would be appreciated. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation