milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a XXXX XXXX Credit Card account that was removed from my Equifax Credit Report approximately 6 months ago. At this present time XXXX XXXX is currently on my report once again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This balance of {$180.00} was supposed to have been paid for by a claim that I filed with workmans comp as to which it was not. Lastly, I never received a noticed in regards to this debt but just to clear I just paid the balance of {$180.00} on XXXX/XXXX/16. I am asking you to please remove this collection from credit so that I do not have any negative remarks because I take handling my credit very seriously. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, 2017 I fell behind on my mortgage payments in the amount of XXXX XXXX because of an increase in my monthly HOA dues and a temporary reduction in my household income. On XX/XX/XXXX, I submitted an application to my lender, Sun Trust Bank requesting options that might be available to help assist me with bringing my loan current. I asked the bank if they could temporarily give me time to pay my monthly payments and if they were willing to forebear some of delinquent amount until I am able to bring my account current. In the interim, the bank continues to charge me late fees and other assessments thus making it harder for me to catch up. It is has now, XX/XX/XXXX, nearly 90 days and the bank has n't offered an alternative resolution or any assistance. Instead, I have been getting the runaround from its Home Preservation Department ; they are ones responsible for expediting my paperwork. They constantly make threatening and harassing phone calls and keep telling me documents are missing from my file and it is incomplete. I continually keep submitting and resubmitting the same documents over and over. It is becoming a never-ending paper chase. When I ask to speak to a supervisor I am told I have to wait 24 hours for someone to call me back. I have n't been able to reach a supervisor and one has not returned my calls. I would like for someone from the bank to explain why my paperwork keeps getting lost and why my documents are not being uploaded and put into my file for review. On XX/XX/XXXX, I spoke to a representative, which I will refer to as badge number XXXX. I have attached the following documents that the bank claim they are in need of along with my complaint. I 've also sent a copy of these documents to the Home Save and Debt Counseling Specialist with which I am working with at 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 07/29/2015 about Debt collection (Payday loan) with Terrill Outsourcing Group (DC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Some lady from " Superlative RM '' called my parents in NC trying to find out where I can be located. However, I spoke to a representative of SM a week ago regarding some payday loan debt that I do not owe and asked them to send me a letter in the mail. I did receive a letter, but why are they contacting a third party when they have talked to me directly over a XXXX ago.

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 05-04-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was billed {$270.00} by XXXX XXXX XXXX which I paid by my check No XXXX dated XXXX XXXX, 2015. My check cleared my bank account on XXXX XXXX, 2015. I subsequently received a debt collection notice dated XXXX XXXX, 2015 from Transworld Systems Inc., Collection Agency, XXXX XXXX XXXX, XXXX, PA XXXX, correspondence to be sent to XXXX, DE. I have since received further collection notices dated XXXX XXXX, 2015 and XXXX XXXX, 2015, despite the fact I advised the collection agency on XXXX XXXX, 2015 that I dispute the debt because it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Advertising and marketing

Complaint: Chase sent me an email saying I do n't need to contact them unless a transaction was fraudulent. I did n't and they then put a hold on my account w/o notifying me. After doing this they still sent me a balance transfer check that I deposited in my account to complete a balance transfer. They again sent me an email and said only contact them if it WAS fraud. It was n't, so I did not contact them. Chase then returned to maker and I was charged a fee from bank for Chase canceling the check. Chase refuses to pay for the fee caused by their mistake. If they had put a hold on the account why was I not notified? Why would they still send me balance transfer checks knowing they had a hold on the account? They claim those checks are sent automatically, but that is misleading to the consumer. When you receive the check and have the balance, you assume it is useable. You have know way of knowing there is a hold and that the check will be declined, resulting in a returned check fee from your bank. This is a serious flaw and is likely costing several customers like it did me. This practice is harmful to the cardholder and should be stopped. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. LENDER FAILED TO NOTIFY US-I XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, Experian or XXXX ) this action might constitute fraud under both Federal and State Laws XXXX corrected error but not EXPERIAN OR 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 12/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: To Whom It May Concern ; On Friday, XXXX XXXX, XXXX I initiated a transaction in amount of {$1500.00} USD on Coinbase.com ( Page 1 ). 
On XXXX XXXX, XXXX I found out that my purchase of virtual currency was not credited to my account. I opened a ticket with case number XXXX at Coinbase customer service center and made a phone call to escalate the issue ( Page 2 ). 
On XXXX XXXX, XXXX I sent another email to check the status of my case ( Page 3 ). 
Still waiting for a response on XXXX XXXX, XXXX I made a phone call and for the second time, I escalate my issue and a representative sent me a conformation email of our conversation ( Page 4 ). 
As of today XXXX XXXX, XXXX still my account has not been credited. Hereby I seek your help to resolve this issue, and get credited by Coinbase for the total amount of {$1500.00} USD for the purchase of virtual currencies, Ive never received. Please refer to attachment on page 5 for a copy of my account activity on Coinbase website which indicates I never received XXXX ETH in total amount of {$1500.00} USD. You may also refer to page 6 for a copy of my bank account statement showing the withdraw amount made by Coinbase on XXXX XXXX, XXXX and the transaction ID. 

Please do not hesitate to contact me if you need any further information. 

Thank you so much for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XX/XX/XXXX, I signed all the required information and had my affidavit notarized by my local Notary Public in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Mortgage debt) with Fay Servicing, LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received an inaccurate bill from Fay Servicing, stating that I owe {$1000.00} for XX/XX/XXXX for {$370.00}, XX/XX/XXXX for {$370.00}, and then a late fee amount for {$330.00} which they had in a suspense account of some sort. They tell me this amount was from the previous servicer for 30 late payments. I never had 30 late payments with the previous servicer. Also on the back of this same bill it saysXX/XX/XXXX- LATE CHARGE WAIVED IN THE AMOUNT OF {$330.00}, but then they added it back onto the front of the bill, and are stating I now owe {$1000.00}. 

I want this erroneous amount of {$330.00} credited to my account, as I do not owe this amount. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (I do not know) with Alorica Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Global receivable solutions has called my place of business 10 times in 1 hour. Both owners have called and told them to remove our number and they immediately called back 3 times in 90 seconds. We are a very busy restaurant and do not have time to be answering the phone when it has nothing to do with our business. They would n't even tell us who they were looking for nor let us speak to a supervisor. Every time we tried to speak they would interrupt us with the same statements over and over. 
It should not take 3 calls to get them to stop. Nor should they call anyone 10 times in one hour.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX, XXXX. 
XXXX XXXX. XXXX XXXX XXXX, FL XXXX Fax : ( XXXX ) XXXX XXXX : Acct # XXXX ( Vehicle Car Loan ) The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the XXXX credit agencies and remove all late reporting. As you know my account is paid in full. 
Recently, I have begun search for a more financially rewarding career in the Federal government and it has come to my attention that my late payment ( s ) with XXXX XXXX XXXX may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants and security clearances. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( Experian, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. Please provide your decision on the above-mentioned account in writing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: SinceXX/XX/XXXXhave been reporting ID THEFT ALTERED PERSONAL DATA STEM INTO MY SONS IDENTITY XX/XX/XXXX, XXXX INVESTMENT mass mutual variable ASSOCIATES XXXX TEXAS TAKEN 50/50 SPLIT.
FORGED XX/XX/XXXXFROM XXXX XXXX XXXX XXXX FRAUD BY SALE AND TRADE. XX/XX/XXXX XXXX XXXX XXXX XXXX BY TEXT CYBER RAPE. FCC RELEASED MY TV TO XXXX XXXX. 86 AM 16. 86. My reports and complaint began XX/XX/XXXX. My statute ended XX/XX/XXXX .XXXX  constantly changing altering my info. Hard inquiries constant with out my permission. Have 4or more person using my SSN Exact matches. XXXX XXXX XXXX Aka XXXX XXXX XXXX  XXXX XXXX XXXX aka XXXX XXXX. XXXX XXXX XXXX.
XXXX XXXX fraud add XXXX XXXX XXXX XXXX Texas.
XX/XX/XXXX XXXX two. Imy registered business XXXX XXXX XXXX XXXX CA. Sector insurance. XXXX XXXX XXXX XXXX XXXX AMUSEMENT.
IN MY CASE STUDY CRINES AGAIBST ME DISCOVERED ABUNDANCE ALTERED FORGED DEEDS CO.-CC RECORDING XXXX, XXXX, XXXX, XXXX  XXXX CAD! /TCAD POI : Brokers. XXXX XXXX XXXX AKA. AJ. XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX.AND XXXX ( XXXX ) Poi : XXXX XXXX. Or XXXX XXXX XXXX. Co worker goodwill Ind. XXXX Discover a fake financial with my SSN personal info. To this day Credit agencies says 1free a year XXXX not access online Deception with XXXX XXXX XXXX.
Paid purchase XXXX  one week later started double billing. Key holder To my stock apparently extremely equity extreme of violation occurs.
On XX/XX/XXXX - XX/XX/XXXX submission reports all federal state city corruption o

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (VA mortgage) with COMMERCE BANK (MO).
Issue: Trouble during payment process

Complaint: On XX/XX/2017 commerce bank sent me a letter stating that they had projected my escrow a account incorrectly my taxes and insurance went up XXXX  dollars each they dropped the ball and didn't adjust the difference in my payment to escrow also I paid in XXXX and they disbursed XXXX which leaves XXXX they said they're was only XXXX left which is incorrect then I've had them for several years and never a problem with escrow now they said I am XXXX short on my escrow and I either need to pay the amount in 30 days or pay and extra XXXX dollars a month on my mortgage which Is ridiculous my wife is XXXX I work full time but we are on a tight budget I can not afford this big of a change in payment

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Case number : XXXXAs previously stated every thing remains the same about the non-response from Ocwen to the actual complaint and who has again not addressed the issues and RESPA at all and claims they can send a so-called Transferee Notice saying anything they want in total disregard of the Transeror Notice. 
IF the CFPB rules the OCWEN Notice of XXXX 2014 is lawful, then CFPB must rule that the XXXX XXXX Notice of XXXX 2014 is also lawful and supercedes the Ocwen Notice and payments will be made to Homeward Residential in XXXX. 
I have presented what the CFPB claims RESPA says and what RESPA itself says and OCWEN IS NOT IN COMPLIANCE. Ocwen again has not made specific reference where we are alleged to have claimed untimeliness and they made false reference to it again. 
The CFPB must decide if XXXX XXXX XXXX Transferred Servicing to Homeward/Ocwen XXXX XXXX as the Transferor Notice claims or Ocwen as Ocwen 's XXXX unfounded and unmatching Notice claims. 
Their attorney and Ocwen claim that Homeward/Ocwen in XXXX and Ocwen Loan Servicing LLC in XXXX are the same identical company so now CFPB must rule on this matter and take the appropriate action while also remembering the XXXX XXXX Notice of XXXX 2014 which supercedes Ocwen 's Notice. We await a CFPB ruling stating both companies with different names and different locations are the same identical company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, Bank of America,XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a Bank of America researcher, case # XXXX. The researcher called me 3 days later and said there is nothing Bank of America can do because the check cleared. I told my maid and she called the manager at her XXXX XXXX Bank to relay this information. XXXX XXXX said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in Bank of America on XX/XX/XXXX and the XXXX XXXX XXXX letter saying my check returned unpaid [ bounced ]. My BoA account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from BoA. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}. I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Requested credit score for the first time this year from Experian and was charged {$4.00} to view my score.

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