milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE DISPUTED THE FOLLOWING WITH EXPERIAN : REPORT # XXXXXXXX XXXX XXXX ACCOUNT {$960.00} ( FRAUD ACCOUNT ) XXXX  XXXX HARD INQUIRY DATES XX/XX/XXXX & XX/XX/2018 ( UNAUTHORIZED HARD INQUIRIES ) THE XXXX XXXX {$580.00} ( FRAUD ACCOUNT / NOT MINE ) PREVIOUSLY FILED WITH THE CFPB AND COMPANY STATED THEY WOULD DELETE FROM ALL ( 3 ) MAJOR CREDIT BUREAUS. THIS ACCOUNT STILL REMAINS! ON MY XX/XX/XXXX CREDIT REPORT & MY EXPERIAN/XX/XX/XXXX CREDIT REPORT. 
**EXPERIAN UPLOAD DOCUMENT WEBSITE HAS A GLITCH AND STATES THAT YOU NEED TO MAIL DOCUMENTS TO : EXPERIAN XXXX XX/XX/XXXX XXXX XXXX TX XXXX ATTN : FRAUD DEPARTMENT. ** THIS IS A STALL TACTIC TO ME. THAT'S WHY I DECIDED TO UPLOAD THE DOCUMENTS TO SUPPORT MY CLAIM VIA THE CFPB COMPLAINT WEBSITE, TO IMMEDIATLEY REMOVE THESE ACCOUNTS.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.

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 03-07-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Apparently this company Transworld Systems Inc. did not get the correct information from XXXX XXXX XXXX. Or shall I say they " inadvertly '' forgot to send them all of the paperwork that I submitted to them regarding this account. The account is a Identity Theft account. I did not give anyone permission to sign my name or to continue with any transaction. I just happen to find out when I order my credit report in XX/XX/XXXX that a student loan was forged in my name! This company failed to review the supporting evidence and had the nerve to try an decline my IDentity Theft affadavit!. Obviously they are trying to scam their way to getting paid on this account. I have filed and sent them every single paperwork including my police report and the actual original copies that I have from that date.There are XXXX sets of originals here and obviously they TWS has the wrong one. I have the forged copy that was sent to me from XXXX XXXX XXXX whichj obviously did not get to XXXX. XXXX is dated XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX letter was sent out stating to make corrections and return. Well needless to say I never returned them. I spoke with the representative who stated the letter was self explanatory. IF I dont return they can not proceed with the application. Well " someone '' forged my signature on XXXX/XXXX/XXXX and the forged copy was dated XXXX/XXXX/XXXX with corrections in it that I never made, and originals that I still hold in my possession. TransWorld has failed to provide me with an investigation report and a closure report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of all the items from Experian. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my Experian credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE ATTACHMENTS IN THE ATTACHMENTS I HAVE LISTED THE FRAUDULENT NAMES AND ADDRESSES ALSO I HAVE ATTACHED MY FTC FORMS OF ID THEFT.

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 04/19/2016 about Debt collection (I do not know) with Patenaude & Felix APC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Creditor has called my office number multiple times, each time I answered the phone with the company name and they hang up. Last calls logged were XXXX at XXXX & XXXX/XXXX/XXXX at XXXX Calls were from XXXX XXXX In the last phone call, XXXX/XXXX/XXXX at XXXX EST I advised the law firm that they had called my work, and asked what the call was in reference to, as it originated from a law firm. They would not advise the nature but requested I verify whom i was with Social Security number and home address. As this was a cold call, i refused. After a couple minutes of arguing I gave my city and zip followed by my the month and year of birth. 

The law firm still would not advise what the call was in regards to and continued to push me for further personnel information. I refused and after three minutes of back and forth, the law firm advised it was in regards to a company, that I do not own, under someone with a similar name. They then proceeded to push me for personnel information on another person. I refused, and continued to refuse each request. 

I am appalled by the predatory practices utilized by this law firm, the fact that they continued to call my office, and that they try to request additional personnel information even after my zip code and year of birth did not match whom they were looking for. How can this be a legal practice as it is predatory collections if not phishing scam. 

The reason the number is listed is that I work sales and if you google my name it comes up as a work number.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance

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 08/17/2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (AL).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I applied for a bank position online. I got a call for and interview. I then received an email and letter stating the possible employer did a background/credit check. I did not give written consent. I did not give verbal permission either. I then get a call stating what they found on my credit they were n't going to proceed with the interview.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Trouble during payment process

Complaint: In XXXX, BOA deducted more from my mortgage payment and stated that I was late with my lease payments. I called BOA at that time and was informed that XXXX XXXX XXXX notified them that I was late. I contacted XXXX XXXX XXXX and they said that they did not notify BOA. Later, the problem was solved in my favor and I continued to pay my lease payments from my own checking account. BOA lied and this is harassment, this is defamatory. This year the same thing happened. I was given the round when I called BOA and again they lied and said that XXXX XXXX XXXX notified them that I was late with my lease payments. I got a letter, signed today from XXXX XXXX XXXX saying that they did not do this. And, that I was not late with my lease payments. It was agreed that I will make my lease payments by checks as of this date. On XXXX XXXX, BOA made my lease payment to XXXX XXXX XXXX without my approval. I later sent BOA this payment amount, but was told on XXXX XXXX, XXXX that this lease payment of {$760.00} was applied to my principal, but will be changed to my lease payment. I was given the run-around again, and again. BOA said that they will be making my lease payments without my approval. Again, on XXXX XXXX, XXXX I called Customer Service in the afternoon because my mortgage payment did not clear my bank. I was told to hold off, past 5 days and if they receive my check they will correct the problem. Sorry, BOA lied before and I do not have faith with them. No, I do not trust them to make my lease payments. I was reading that BOA is famous about this kind of stuff, they give people a hard time, give them the run-around. They know what they are doing is wrong, but they are going to do it anyway. I have made my lease payments on time and I would like to continue to do so. It is wrong for BOA to do this to me! Lie, Lie, Lie!

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 08/24/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: Due to the mortgage crisis I became unemployed/underemployed and subsequently filed for a loan modification with my loan Servicer ( previously XXXX, currently SETERUS ). I filed for a modification repeatedly since XXXX, yet each submission was ignored, or denied for arbitrary and baseless reasons. Example, in late XXXX the Servicer denied an application submitted earlier that year stating that I had not identified my hardship as having ended - although I expressly said that it ended and included an end date on page 2 of the Uniform Borrower Assistance Form. I subsequently filed a complaint with CFPB and resubmitted my application. In XXXX XXXX SETERUS offered a Loan Modification Agreement ( LMA ) which inflated the loan amount by over 50 % ( outstanding loan should be ~ {$90000.00} LMA calculated as ~ {$150000.00} ). The inflated loan amount failed to account for loan payments made to the prior Servicer in XXXX and correlated interest due on the loan and, included insurance and tax payments covered by separate payment arrangements. In XXXX XXXX, via certified mail, I sent notice of general LMA acceptance with a requested revision to address their miscalculations. In response SETERUS sent notice of LMA denial for failure to accept terms, but failed to address the loan balance miscalculations.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans was sold to  XXXX  ( unbeknownst t o me ). I 'm c urrently in forebearance and will be until  XXXX / XXXX / 17 , however,  XXXX  have started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted my credit score and have caused unwanted  financial issues.  XXXX  is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX My Credit report shows a XXXX account that was financed Thur XXXX XXXX XXXX  XX/XX/XXXX I was writing to XXXX they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XX/XX/XXXX TO XX/XX/XXXXIve wrote to midland several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Other financial service (Foreign currency exchange) with Coinbase, Inc. ().
Issue: Customer service/Customer relations

Complaint: During my last vacation, that I spent in XXXX, I reached my personal account at coinbase.com to check how things were going. 

I saw this error message : " Dear ..., We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to close your Coinbase account. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at support @ coinbase.com immediately and provide us with a copy of a photo ID and proof of your current address. 

If your account has a balance you will need to contact the U.S. Treasury Department to request permission to access your funds. '' From that moment, 20 days ago, I 'm unable to access my account. I reported the issue via their customer support web site, email and event XXXX. I only obtained one, just one, vage answer saying they are investigating the issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (MO).
Issue: Struggling to pay your loan

Complaint: My XXXX XXXX was opened around XXXX of XXXX. I had a loss of employment therefore causing financial hardship on me. The lender TitleMax of Missouri repoed my car on XXXX XXXX XXXX. I have tried to work with TitleMax but they just dont want to work with me or understand my issues. I always get a different representative on the phone saying different things. I also offered to give them {$300.00} dollars this month and they said it was too late. This Company has several bad reviews so therefore I 'm also filing complaints with other state and Federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing statement

Complaint: Citi Bank offers access to statements and transactions on their website. For the second time in a month " There are no statements immediately available at this time. '' The last time ( around XXXX/XXXX/16 ) it took ten days and a complaint to CFPB to resolve the problem. The resolution is apparently temporary.

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 05-02-2015 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: rushmore filed with the uscfpb a response stating that m ymortgage loan with them has a maturity date on their amortization schedule of XXXX while their website states that the maturity date is XXXX. the XXXX has a balloon payment that was never disclosed by XXXX XXXX predatory lender in either of the XXXX required TILA disclosures. so now rushmore is not able to fell me what the maturity date is since there response to uscfpb says XXXX and their website says XXXX for my XXXX trust loan. 








Contact Us : XXXXXXXXHomeRushmore Loan Management Servicesphoto of a neighborhood Loan Servicing CenterCurrent Loan Information Make a Payment Automatic Payments Home Loan Assistance Loan Activity Tax and Interest Payoff Statement Year End Statement Personal Preferences Email Inquiry FAQ Log OutCurrent Loan InformationLoan Number : XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX printer-friendly versionBorrower Name : XXXX F XXXXPlease note all information is as of the end of the last business day. A business day is generally Monday through Friday, except holidays. If you have any questions, please call us at XXXX Monday - Thursday XXXX to XXXX PST, Friday XXXX to XXXX PST. 



General Loan InformationCurrent Principal Balance {$32000.00} Effective Interest Rate 5.000 % Loan Origination Date XXXX/XXXX/XXXX Original Loan Amount $ XXXXXXXXFirst Payment Due Date XXXX/XXXX/XXXX Loan Type Conventional Loan without PMIMaturity Date XXXX Payment Method Monthly Statement Payment InformationScheduled Payment Breakdown : Last Payment Breakdown : Next Payment Due* XXXXXXXXPrincipal & Interest $ XXXXXXXXTotal Monthly Payment $ XXXXXXXXPayments received more than 10 days after thepayment due date may require a late charge of {$10.00}. 


* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current. 


Principal Received $ XXXXXXXXInterest Received $ XXXXXXXXFor more detailed information, click hereYear-To-Date TotalsPrincipal {$340.00} Property Taxes $ 0.00Interest {$680.00} Hazard Insurance {$0.00} return to loan servicing center printer-friendly version Privacy Policy | Terms of Use | LicensingEqual Housing Opportunity. Equal Housing Opportunity | ( C ) Rushmore Loan Management Services LLC XXXX. All Rights Reserved. 

( C ) XXXX XXXX XXXX XXXX XXXX. All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Struggling to pay mortgage

Complaint: in regards to this previous case # XXXX. I just faxed the pervious paperwork the XXXX XXXX which she never called me back or told me that I was missing something. I faxed the paper work to her on XXXX2017. I am faxing you the same paper work and you will see that I did faxed them everything and even my pay stubs and banks statements to them. they keep saying that I do n't sent them the information but is false statements. they do n't answer their calls and they do n't even answer their mail and just at the last minute they make the customer wonder what is going on.

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 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have repeatedly asked XXXX of Fidelity Creditor services to disclose how much I owe with a physical ledger for my records. She said it 's company policy to not do so until the debt is paid off. 

Yes there is a judgement issued against me, but to demand I pay {$150.00} a month, which I agreed to because she said she would garnish my wages if I did not. How can I pay something that I do n't have? They are unreasonable and I want a legal mediator to establish a comfortable payment for me. 

I work a temporary job and {$150.00} a month is too high. I fell out of the agreement with Fidelity when I was paying $ 50 monthly. XXXX also said that I must schedule autopay. Is that legal? I should n't have to give anyone the right to debit my card on a recurring basis judgement or not. I should be able to pay in the modality I choose to a reasonable amount. My student loans are income based. Should n't my repayment of debt be? 

I do not wish to be contacted at all by Fidelity via telephone, they are no longer allowed to. I was never allowed to challenge the debt whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.

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