milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: " I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Diversified Consultants Inc, therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me '' and being that it was removed from my XXXX credit report it needs to be removed from the XXXX credit bureaus XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (I do not know) with AR Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a request to validate this account I have no knowledge of on XX/XX/2016 and I never heard back from them with an original invoice supporting these alleged charges as requested. This is a violation. I will file suit in small claims court if not removed immediately by AR Resources. I also have proof ( recordings ) that they continued to call me at work after I requested them not too verbally and in writing. They have reported this alleged and unsubstantiated debt to XXXX, XXXX and XXXX which is has caused damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: My credit information was compromised by Equifax on XXXX XXXX and they waited to inform me. I have never given permission for the information Equifax possesses to be maintained and so this security breach severely compromises my identity and credit worthiness. This is unacceptable. This company also sold stocks between the date of the breach and consumer notification which reeks of possible insider trading. Please investigate this company and hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: on  XXXX   XXXX ,2016 a dispute for a second time was sent to Equifax disputing the tax liens on my credit file asking for validation and verification. Equifax have pointed the finger at  XXXX  different companies but will not take responsibilities for their action of being the ones reporting it to my file. I sent a third letter after receiving documentation and responses from the company their pointing fingers at whom states that they are in no way reporting to Equifax, Equifax still refuses to correct my file even though the companies they are stating they are getting their information from is stating they did n't get information from them. At this point if the tax liens are not removed i will be filing a la w suite at  my local court. I have tried to get my file corrected for over 8 months and this has caused me a great deal of  XXXX . By law Equifax suppose to verify and be able to send documentation of any and everything they report on your credit file, which in this case they failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Bank Of America was paid the full amount of the note XXXX on XX/XX/XXXX by HUD. On XX/XX/XXXX Bank Of America sold the note to XXXX XXXX and on XX/XX/XXXX sold the note to XXXX and my complaint is that XXXX XXXX is now trying to collect on a note that has been paid since XX/XX/XXXX. I have also been informed that they are not a licensed debt collector

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one comp any. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry , Negligent, Defamation,  Please advise me on this matter..      Sincerely   XXXX   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 08/25/2015 about Credit card () with CITIBANK, N.A. (IN).
Issue: Payoff process

Complaint: I have had a citi bank credit card for 10 years. The lending amount is XXXX {$.00} In 10 years I have charged and estimated amount of {$7300.00}. I have paid on this card in 10 years an estimated {$13000.00} with {$7000.00} of that being interest alone. In XX/XX/XXXX Citi bank raised my interest rate for 12.44 % to 14.99 % and I am unsure why. I also lost my job in XX/XX/XXXX and have lost a total of XXXX per year in income. I would like to negotiate a settlement with Cit Bank to pay off this credit card but they are saying I am ineligible for a settlement. I have never missed a payment and have had XXXX fee assessed to me in 10 years. Can you help me negotiate a discounted payoff?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Caliber Home Loans, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I just received notice from the IRS that in 2014 a company I do not owe money to filed XXXX stating that they canceled a debt. I never received a copy of the XXXX to dispute at that time. I never had any kind of debt with this company and do n't understand how they can state a debt was canceled when I never owed them money to begin with. Now IRS is charging me additional taxes, interest, and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: I signed up for Coinbase, thinking that it would be a good idea to start investing in stocks and cryptocurrency was mentioned by many people suggesting that I and others should start investing. I went ahead and signed up for Coinbase at the end of XX/XX/XXXX. On XX/XX/XXXX I invested small amounts, XXXX totaling in {$20.00}, XXXX totaling in {$10.00}, XXXX totaling in {$15.00} ( one {$5.00} was on XX/XX/XXXX and the other 2 were XX/XX/XXXX ) and XXXX totaling in {$10.00}. I let the money sit and I had planned on keeping the money in those accounts to hopefully grow, but I had run into some personal life situations to where I need money to keep afloat, granted I do n't have much invested but anything is better than nothing. On XX/XX/XXXX I proceeded to withdraw the money I had in all 4 accounts to put into my XXXX XXXX, which totaled out to be {$40.00} after they took out fees. I withdrew {$14.00} in XXXX, {$6.00} in XXXX, {$13.00} in XXXX and {$6.00} in XXXX. Afterwards, I went to withdraw the money to my bank. At first it showed my debit card, but it would not let me click it to withdraw into my bank. I look for my bank in the options, it is nowhere to be found. My bank does not have an XXXX number, and I have sent in a request as well to get my money back but it seems like they just scammed and stole my money and I want MY money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: I had an account with Bank of America between XXXX and XXXX. I closed my account in XXXX. As background : In XXXX, Bank of America unilaterally re-opened my account without my consent or knowledge, accepted EFT transfers from my previous employer ( who had sent them to BofA in error ) and then reactivated my auto bill-pay settings and disbursed money from my account - all without my knowledge. 

I have not had an account with Bank of America since then. This week ( XXXX XXXX ) I received a customer email from Bank of America advising me about new services for account holders. I just called Bank of America today to ask why I 'm receiving emails. The customer support representative informed me that BofA never fully closed my account. 

I have not had access to any BofA account for years. I have not used their services for years. No BofA account appears on my credit reports - but somehow, BofA is continuing to operate an account in my name. Please advise if there is a way to force a bank to close an account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion is listing the following account on my credit report : XXXX XXXX XXXX : Account Number XXXX This derogatory account reporting negatively initially went delinquent XX/XX/XXXX. Since that time the account has been listed as derogatory. The account should have been removed XX/XX/XXXX. 
However TransUnion refuses to remove this account. I requested copies of the payment history from the creditor, however they refuse to gather this. I have requested copies of the payment history from the creditor as well, and they refuse to furnish them to me. 
After several disputes, TransUnion is stating again that they have verified this information, however they have not. No PAYMENT HISTORY is reporting at all on this account. NO PAYMENT HISTORY has been furnished by the creditor. TransUnion is simply taking the creditors word for it. As a consumer, this is another case where I am being bullied by this company as they quickly report this erroneous information, yet refuse to thoroughly verify the accuracy. I advised a supervisor in the special handling department that TransUnion did not even properly handle this dispute and the supervisor told me they did n't have any control over that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Someone tried to get a loan using my personal information from " XXXX '' on XXXX XXXX, 2015. That inquiry was fielded by Esperion and it is impossible to get the XXXX digit number to dispute the inquiry. There was also an inquiry in XXXX from XXXX XXXX with someone trying to open a BUSINESS in my name. I will be able to have that inquiry withdrawn by writing a letter. However, the XXXX XXXX people have been unhelpful and these will adversely affect my chances of obtaining any kind of decent credit rating in the foreseeable future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech, formerly Green Tree Servicing is the mortgage servicer on my Home Equity line. I just began my repayment period. They are trying to charge me an interest rate and payment that is clearly in violation of my contract. I have no problem paying what I owe and have never been late on a payment, but when the telephone representative reads the contract with me, but the company says they ca n't find the information and must review it, they are trying to collect extra interest that is clearly in violation of my contract. 
When I inquired about this mistake, they listed it as a dispute on all XXXX credit reporting agencies, so now unless I agree to pay the incorrect amount I ca n't get this dispute closed. They are definitely dragging their feet because the correct interest rate and principle balance are stated right on my monthly statement. Yet, the payment due reflects and interest rate XXXX points above that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America started charging me a $ XXXX safebox rental fee without my approval or proper notification.

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 01/25/2018 about Mortgage (Other type of mortgage) with BB&T CORPORATION (MD).
Issue: Closing on a mortgage

Complaint: Paid off a loan back in XXXX 2015 and the bank did not release the lien on the property. Now I 'm trying to obtain a new loan and I ca n't get anyone at BB & T to help.

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 08/15/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting the wrong dates for an old bankruptcy I have already disputed the account many times and they will not remove it. I have already sent them proof of correct dates. correct date is XXXX XXXX 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo bank advertised opening an online account with a {$250.00} promotion. I completed the online process. Then I received an email directing me to the branch in order to complete the process. When I went to the branch, they told me that they could open the account but not apply the {$250.00} promotional to the account. I feel like this was a bait and switch.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY CH-XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.

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 03-09-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In XXXX of 2012 I inquired about obtaining a degree in the medical field/becoming a medical assistant. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my XXXX I wanted to possibly start in XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the XXXX XXXX XXXX to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NM).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN is in the process of foreclosing on my home. OCWEN claims that I 'm thirty + payments behind, which is not so. If true, why wait so long to notify me? 
I submitted a " Complete '' Loan Modification Package XXXX, XXXX 2015. OCWEN waited until the end of XXXX 2015 to contact me stating the package was incomplete " UNTRUE ''. 
I 'm in the process of submitting yet another Loan Modification Package to OCWEN. 
When I pull up my account on the OCWEN web site it states Current Balance = {$0.00} Amount Past Due = {$0.00} Amount-Status = CURRENT. I have made copies of these statements. I do n't understand how OCWEN can get away with this malpractice? 
OCWEN hired a law firm in the XXXX 2015 claiming I had not been making my mortgage payments. It 's a good thing I had the proof that these payments had in fact been made. Not a single word back, until the Letter-Of-Demand, & Foreclosure Notice. 
Before OCWEN claimed amount due was {$160000.00}. As of yesterdays letter Ocwen states the amount due is {$270000.00}. How can this be?? 
Every time I turn around the amount they claim I owe is different. From last month to this month the amount has gone up well over {$10000.00}. How can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with U.S. BANCORP (MA).
Issue: Billing disputes

Complaint: US bank claimed that I benefited and/or authorized charges in XXXX and XXXX of 2016. US Bank, on a recorded line, claimed that the signatures matched on the receipts and that my voice matched the voice on XXXX recordings. I asked for evidence that supported the claim and US bank provided XXXX receipts and XXXX copies of known signatures. A professional handwriting analyst who wrote there was " no indication '' that the signatures were mine. I provided US bank with that analysis by certified mail and US Bank ignored that document and did not provisionally credit my account while they reviewed my documentation nor did they provide an alternative analysis. I also requested from US bank for proof that I authorized this account, again by certified mail, and US bank did not respond. 
US Bank violated TILA by not provisionally crediting my account when new and substantial evidence was presented and US bank again violated TILA by not providing proof of indebtedness upon request.

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 01-03-2017 about Debt collection (Federal student loan) with ACS Education Services (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As a result of ACS ( student loan company ) not taking care of not removing an erroneous late payment my credit score went down. Even though my payment was made XXXX weeks before the due date and after speaking with a representative from ACS, they failed to make the necessary adjustment to my account but instead reported to the credit reporting that my payment was past due. In addition, when calling ACS you are put on hold for XXXX minutes to almost an hour before a representative comes on the phone.

Company response to consumer: Closed with explanation