milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got a hard pull inquiry from XXXX on XXXX XXXX, 2016. I have not done ANY inquiries or applications since I opened my bank account at XXXX Bank in XXXX, 2016. I do not knoow where this hard pull is from. They took off a point for it. How do I get it off?

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Miss appropriated payments : My wife and I have a mortgage on our house in Oregon that we purchased with a XXXX. It is being processed by Dovenmuehle. XXXX describes Dovenmuehle as a trusted third party. 
After about 2 1/2 years on the 15 year mortgage, and numerous disappointing experiences with Dovenmuehle customer service, my wife and I decided to pay off the mortgage early so we do n't have to deal with this dishonest and discourteous company any further. We have been sending in additional payments marked " Principal Only '' on a regular basis, every two weeks, and also larger amounts occasionally, when we can. 
Numerous times the " Principal Only '' payment is not posted to principal even though we have done what both institutions ask. The payments go to " XXXX - PRINCIPAL ONLY '' Our regular monthly payments have never been late. Our last payment of { {$1900.00} } was once again applied wrong. It was applied as an additional monthly payment instead of a payment to principal. This despite the facts that XXXX takes this money directly out of my account and sends it to the Dovenmuehle address for payments to principal. There is actually no physical check, the payments between XXXX and Dovenmuehle are electronic using the XXXX Bill Pay. 
I would like compensation for additional interest charged because of this intentional and repeated misappropriation of funds. 
I would also like compensation for the 17 hours and 20 minutes spent on the phone in the past 6 months trying to get Dovenmuehle to credit payments correctly. 
I am not the only customer with this complaint. Please refer to Complaint ID XXXX and XXXX. This is not an isolated incident. This is intentional misconduct and I request you fine XXXX and Dovenmuehle for willful disregard of banking regulations. I also request that The Consumer Financial Protection Bureau audit all loans serviced by Dovenmuehle for similar misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after sending the final statement from XX/XX/XXXX. The original creditor has verified the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX.

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 05-03-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, both 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, XXXX filed foreclosure complaint without any default judgment or judicial process.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALL of the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message.
Several days later I received mail that appeared to be the result of XXXX verifying that all of the
requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.

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 06/30/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted XXXX which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XX/XX/XXXX ; the second one was onXX/XX/XXXX, and the last one was made onXX/XX/XXXX. After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send TransUnion evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. TransUnion sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit 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
Consumer complaint received 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian has listed Telephone Numbers listed on my credit report that I have no knowledge of in my past, I demand that XXXX, XXXX, XXXX be immediately removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IN).
Issue: Other service problem

Complaint: As of today I have discovered an email from Coinbase stating that they have restored "full functionality" to my account. While this is partially true, it is old news and does not come close to fixing this issues I've been having for almost a month. The Coinbase Exchange has failed to respond in a timely manner to assist with the overall issue I have been experiencing as far as reinstating my ACH Bank Accounts so that way I can buy larger amounts, sell and return money back into my bank accounts. I'm not very happy with the timing or the way this case has been handled since it all began; all I just want to do is have my Bank Accounts reinstated, but in order for that to happen, Coinbase Support has to reinstate them for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I never lived at XXXX XXXX XXXX XXXX XXXX Fla I lived on XXXX XXXX in XXXX fla

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received an alert of a collection bill I checked my credit report and seen that this account from XXXX has report that I owe them which isnt true this isnt my account which I disputed back in XX/XX/XXXX and the item was removed now we are here in XX/XX/XXXX and they have place this account back on my credit report with a different balance. This has dropped my score so very much and this just isnt fair and something need to be done about this. Again this is not my debt and it should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Credit determination

Complaint: Several days before our vacation, I used some of my work bonus to pay a large portion of my Wal-Mart MasterCard balance. The amount I paid was {$3000.00}. This card was to be used for the hotel and other misc. charges while on vacation. 

We arrived on Saturday XXXX/XXXX/16 and the MasterCard was declined at the hotel front office. I immediately call customer support. I was told that the {$3000.00} payment was on hold for an unknown reason. I was told, possibly because it was too large of a payment I explained the situation and also informed the agent that this was an electronic transfer from my bank and not a check. After explaining what the card and money transfer was to be used for, the agent was able to resolve the situation and I was told that {$3800.00} was available for credit. The card was subsequently accepted at the hotel front office. 

I made a purchase on Friday XXXX/XXXX/16 at the local grocery store and the Wal-Mart MasterCard was again declined. After using my debit card, I again called customer service. This is when I was told that my credit limit was changed from {$4500.00} to {$900.00}. I explained the situation for a second time. The agent was unable to help and I requested her supervisor. I explained to the supervisor the situation for a third time. I also explained that it seemed more that coincidental that after the credit card company received my {$3000.00} payment, they then decided to limit my credit. The supervisor offered a temporary increase of {$250.00}. I disinclined as this would do nothing to pay the {$1600.00} hotel bill. I did request my {$3000.00} payment back minus the monthly due. He indicated that he did process the request. 

Note that we have not defaulted on this card or any other card. the fact that the credit card company decided to change my limit after they safely received the balance of what was over the new limit seems unethical. I understand that I had medical issues and some bills went to collection. This would seem consistent with a limit change and I 'm not implying this was wrong or unfair. What I am implying is the underhanded way business was conducted on this matter. The credit card company put me in a very bad situation, while the whole purpose of having the card was to provide a safe way of traveling with the security of having funds available. 

I am asking that the credit card company return my {$3000.00} payment minus the monthly payment due. The payment I made which I succinctly communicated to them was to be used as available credit for my vacation. I also ask that the credit card company be investigated for unethical practices for changing my limit after I paid the balance. I believe this would not have been done had I not paid the balance.

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 01/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Rewards

Complaint: XXXX XXXX closed my XXXX American Express Card for no apparent reason. I use it mostly at grocery stores and XXXX. I pay it in full about every 2 weeks. I have never had a late payment. On XXXX XXXX, I finally reached the XXXX level of XXXX rewards that I was working toward ( because they double in value at this point ), and that is the date they shut the account down and removed all the reward points. They can give me no reason except my " history of account usage. '' I have gone over the account with a fine-toothed comb and can find nothing. I worked to earn those points and abided by their cardmember agreements. The points are worth {$400.00} ( XXXX statement of benefits : Receive a {$400.00} statement credit on eligible XXXX purchases by redeeming XXXX XXXX Points ). It feels like they simply did n't want to honor the rewards I earned. And they do n't even have to give me a reason? Surely there is something that can be done. A statement credit for the {$400.00}? This is n't right. Thank you for any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Bank account or service (Other bank product/service) with DISCOVER BANK (PA).
Issue: Account opening, closing, or management

Complaint: I have repeatedly asked for an original contract ( front and back copies ) from DISCOVER BANK to which this day I have NOT received and this request was sent on XX/XX/2016. I directed my request to the Chief Financial Officer XXXX prior to a now existing lawsuit claim against me by XXXX. I asked for an original contract because I suspected fraud on the account in which DISCOVER BANK may have materially altered said contract for a profit but without my consent ( Securitization ). Instead of responding, I 'm thinking the alleged account was assigned to XXXX which would require another contract. I have a right through the privacy act to know how my information is being used.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I first addressed this issue with my bank, PNC, with the help of CFPB in early  XXXX , and the issue was taken care of. However, the exact same issue is now happening again, and I can not find anyone from PNC that will take the time to speak with me and correct my account. I 've attached a File with the charges, amount, description and date.     PNC Bank has charged over {$680.00} to my checking account since  XXXX   XXXX . These charges/ fees are overdrafts and item fees, despite the specific requirement of my account not allowing any overdrafts. I have spent countless hours trying to fix this, but all PNC wants is money that my account did n't have in the first place just to cover their fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (I do not know) with Hillcrest Davidson & Assoc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over the past year or so, I have received calls from this company. They do not identify the company, only saying that they are trying to collect a debt for a XXXX XXXX. I tell them that all of my accounts are in good order and that I placed a freeze on my credit reports several years ago because of the data breach at OPM -- OPM in fact sent me a letter saying that my data had been hacked. I ask the agent for the last XXXX digits of the SSN of the XXXX they are looking for, and they do not match mine. Each time, they tell me that they will remove my number from their database -- and then I get another call. At no time have I provided them any personal information, not even the last XXXX digits of my Social Security Number, date of birth, etc. 

On one of the calls, I was told that they were trying to collect a debt for a home security system ( this seems to be a common thread of the complaints against the company that I have read online ). Further, I was given the name of my wife, regardless of the fact that I never have never been married to a woman. I have lived in my house for 25 years and never have purchased an alarm system -- why when I have XXXX dogs! -- nor have I ever contacted any home alarm systems company. 

The latest call was several days ago. I came home and found a voice mail from a " XXXX '', saying that I should listen to the message where no one else could hear. She then proceeded to say that she is trying to collect a debt -- again no mention of what company she works for or what the debt is for. I did not call back this time, because I want to file a complaint with you all so that the calls stop. 

Each time I get one of these calls -- and by now, I recognize who it is, I Google the phone number and read the remarks others have posted about this company, which is Hillcrest, Davidson, and Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( That " XXXX '' is at extension XXXX ) I do not know if this is a legitimate outfit or if these are scam calls. I would think a legitimate outfit would verify information first before calling -- and I do consider these calls to be harassment..

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Struggling to pay mortgage

Complaint: We first submitted our first modification application with the assistance of the housing counseling agency XXXX XXXX XXXX , XXXX We submitted a complete package on XX/XX/XXXX for  the HAMP modification before the XX/XX/XXXX deadline. Then for the next 3 months they asked us questions about the income. On XX/XX/XXXX we submitted a Profit and Loss statement for our XXXX Income. Then they asked us for a monthly profit and loss statement which we submitted on XX/XX/XXXX, which was within 7 days of being requested. <P/>Ok then we submitted a new profit and lost that included the first quarter of XX/XX/XXXX. Then they told us they did not understand that the XXXX Income was Income. Then they said that we had to submit a new package due to the age of the information. We submitted a new package only to be told that we now are not eligible for the HAMP modification because it is after the date. <P/>We believe SPS held out the documents just so we could be outside of the HAMP Modification guidelines and deadlines. We are being pushed out of our home because we can not make the back payments. We can make the current payment but we can not make double payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm a victim of debt collector abuse. XXXX XXXX uses unlawful tactics to manipulate consumers in paying a debt that is inaccurate. The harassing phone calls, letters, and figures that daisy on my credit report. I 've tried multiple times to dispute the monies due for {$580.00}. I 've contacted this company and even tried to negotiate a settlement or pay in full to have this debt deleted from my credit report. They were short and declined any offer. The representatives I spoke to to had no knowledge of my account or how to handle the situation instead of transferring me to other people. I am going to be inclined to hire an attorney to have this company compensate for my losses and settle this dispute. There is no reason for consumer to be attacked by such debt collecting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report

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