milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a victim of credit extortion originating from a company called XXXX. They were connected with a collection agency called Fidelity Information Corporation. FIC has recently ceased operations and has since turned over collections to another collection agency called Fidelity Creditor Services. For a small fee of less than {$25.00} Olddebts.com allows unscrupulous individuals to submit an online claim of debt for any amount desired requiring no proof of validity, how the debt was calculated, or verification the right person is being reported. XXXX states they are not a collection agency. They were however represented by FIC who reports a negative to the CRA 's. All requests for validation made to FIC or FCS are ignored. The consumer is left with no recourse other than conventional means to combat a virtual debt that does n't actually exist. The CRA 's will only accept an automated electronic response from collection agencies to their investigations. Any proof from consumers to the CRA 's of FCRA violations made by collection agencies are not accepted. Fidelity keeps knowingly perpetuating a false claim while holding my ability to obtain credit as hostage. Any and all requests for validation made to Fidelity are ignored. In my case they are unable to produce proof because the debt never existed. The website Olddebts.com clearly states they do not require any validity of debt from their clients while ensuring negative claims against innocent consumers are reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have previously sent ChexSystems 3 requests all via certified USPS registered mail to the mark on my file from XXXX XXXX XXXX, under the Fair Credit Reporting Act and Fair And Accurate Reporting Practices Act and all I received was copies of bank statement of the alleged account that they say belongs to me. Their letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. 

I contacted XXXX XXXX XXXX and they do not have any proof that this account belongs to me. 

How can ChexSystems verify this information without proper documentation. Bank Statements do not serve as proper method of validation according to the FTC. ( 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ) ChexSystems has yet to correspond with me via mail and is in violation of several State and Federal laws. 

I have tried opening a bank account today and was denied because of XXXX XXXX XXXX showing up on my ChexSystem File. Accordingly, I can show a judge that these accounts meet the guideline for the removal/inaccurate and that you violated the Fair and Accurate Credit Transactions Act and several other rules and regulations, state and federal by ignoring my requests to investigate the items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It was recently brought to my attention that Equifax improperly stored sensitive Personally Identifiable Information improperly and suffered a massive data breach, leaking my PII to hackers. According to the XXXX XXXX XXXX, " Criminals gained access to certain files in the companys system from mid-XXXX to XXXX by exploiting a weak point in website software, according to an investigation by Equifax and security consultants. '' Equifax confirms that my PII was part of the breach. 

Equifax offers to provide credit monitoring services, but only if I agree to give up certain legal rights, and agree to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On   XXXX   XXXX   XXXX     I went to  XXXX   XXXX   XXXX  in  XXXX , LA seeking to purchase a vehicle. I asked the sales rep to identify the lenders they use. He stated  XXXX   XXXX  and  XXXX . I explained to him that I am working on improving my credit score and I have accounts with   XXXX   XXXX   and I only want him to try to get financed through   XXXX   XXXX   or  XXXX  and if those  two  companies did n't approve the loan to not run my credit again. I repeated this several times before he went to the finance  manager. I w as told they could not get in touch with   XXXX   XXXX   and they would let me know once they received any information. The next day I received  7 a lerts for credit inquiries. I called Equifax to dispute this to no avail. I immediately called the sales rep and the finance  manager  because I specifically told the sales rep to only submit my report twice. The sales manager stated by law he was required to run my report as many times he needed in order to get approval. I told him he had no right to do so and I felt violated. Needless to say my credit score dropped tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Struggling to pay mortgage

Complaint: Complaint # 1 - Failure of Select Portfolio Services , Inc. ( SPS ) to comply with NY Real Prop Actions L 1304 ( 2016 ) with regards to required proper notice as it specifically relates to a Subprime Home Loan. " Notwithstanding any other provision of law, with regard to a high-cost home loan, as such term is defined in section six-l of the banking law, a subprime home loan or a non-traditional home loan, at least ninety days before a lender or a mortgage loan servicer commences legal action against the borrower, including mortgage foreclosure, the lender or mortgage loan servicer shall give notice to the borrower ( s ) at the property address and any other address of record in at least fourteen-point type which shall include the following ... .. '' The 30 year interest rate for a mortgage in XX/XX/XXXX ; the year the loan was originated was 6.32 %. The interest rate charged at the time of origination exceeded 9 %. Complaint # 2 - Failure of Select Portfolio Services , Inc. ( SPS ) to fully respond to legitimate requests for information - XXXX XXXX XXXX. Specifically, SPS did not respond to the inquiries to the following : 1-Whether there is a pending or planned foreclosure proceeding ; 2-Sufficient proof of debt as requested on XX/XX/XXXX ; 3-If the account is registered with XXXX, state its MIN number ; 4-Copies of ALL endorsements, recording, allonges or other indicia of all transfers since note was signed. Specifically, with regards to XXXX XXXX XXXX, per notification on XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX, per notification on XX/XX/XXXX. 5-The date your firm began servicing the loan and any previous servicer ( s ) of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: After graduating I looked for options on how to consolidate my Student loans. I was able to do this with all outstanding loans except Navient. I was told it could not be consolidated with Government loans. My record during the entire process was always to pay the interest only during school after graduation I along with my mom we tried to position all of my loans into a affordable position. When we originally borrowed this money we told that after 2 years of favorable repayment that the co signer could be removed only for this to be a lie. 
Last year 2016 my mother sent in a cfpb complaint only to be told it had to come from the borrower. But now it is ok to harass her now without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: Hi iv deposited a considerable amount of money into my coinbase account and have been locked out of my account since with no access to my funds. I have contacted customer service several times by phone and email. They say someone will be in touch but have had no reply yet. I have tried all the steps on their website and colleagues nothing seems to work. I spoke to an advisor on the phone and asked to speak to a manager and was told no one was available and when asked for the managers name I was told I cant be given it. I am begging for assistance- cant sleep at the moment my case number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This complaint involves Hyundai Capitol America on  XXXX , Partial account number   XXXX   Date opened :   XXXX   XXXX   Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone numbe  XXXX   XXXX   partial account number ;  XXXX , date opened   XXXX   XXXX  . I just recently traded in the vehicle in  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HELOC account with Citibank since XX/XX/2016. Last month, I went to its branch to pay off the balance which the teller provided the balance owed. I received a statement showing a credit balance. However, the bank charges me interest on a credit balance. I went to the branch and was told to pay off the credit balance. I did. Then the next day, I went back to the branch. I still owed them the same credit balance. I was now advised to borrow {$1.00} from my HELOC account to see if the glitch can be fixed. I do n't know if I 'm responsible for interest ( 4 % ) accrued from the loan amount of {$1.00}.

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 01/24/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only XXXX deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX , XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is XXXX XXXX XXXX XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I had requested my credit report from Experian but for some unknown reason I was n't able to get it from them so I just went online and got my report from some website instead. 
I ended up filing some disputes with Experian because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (VA mortgage) with Vinson Mortgage Services, Inc. (MO).
Issue: Settlement process and costs

Complaint: Vinson Mortgage charged {$9900.00} to refinance and consolidate our mortgage by explaining how the refunded escrow and skipped payments would offset these fees. They GROSSLY exaggerated these benefits. They had us sign blank and undated forms. They had us sign that we received info that we did not receive. We were told to sign but NOT date forms. We were sent forms with missing pages. We were consistently mislead and given inaccurate information and false information from XXXX. 
We were told to SKIP the XXXX payment for our mortgage, but that was erroneous info that COST us $ XXXX/day for the 15 days XXXX kept telling me not to worry or not to pay because the payoff amount was already issued. We were told that the escrow amount in our current mortgage would be refunded to us in an amount of around {$2000.00} when the actual amount was less than half of that. XXXX had a habit of responding to written questions via phone conversations or in person talks. He actively evaded providing written, texted, or emailed information that could be used as supporting documentation ( which raises suspicions about his ethics ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a debt from hunter warfield for the amount of {$2000.00} and XXXX XXXXXXXX XXXX XXXX for {$250.00} that reported again on my credit report, I have disputed these inquiries with my XXXX, it was removed and re-added without notifying me within 5 days prior to adding this inquiries back on my credit report. I have contacted transunion as a good faith attempt. And asked them to remove the inquiry since it was illegally re-added, and they was unable to assist.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I just went to pay my mortgage payment. I do it using a online system, was surprised to find my mortgage not there. When I called I was told my mortgage had been sold. To my knowledge I was supposed to be notified 15 days prior. I have no clue who owns my mortgage now and who I pay. I have never been late in five years of owning this home loan on XXXX payment.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian is not supporting its credit freeze online application or its fraud alert service. I have tried for 2 days to access both. When I invoke the links from its website, the link takes me to blan k pages that say the application processes are " loading '' after 5 minutes at each page using 2 browsers : XXXX and XXXX, nothing happens. I 'm hoping you can do something quickly, since the data breach at XXXX has called into question the security of all my private information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Please reference complaint  XXXX . This is additional documentation to support  XXXX  views that have been completed on the house.

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 03-09-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am having an issue with equifax. i have spent over 7 hours in the last two months on the phone with them trying to straighten out my credit. I subscribe to their online credit monitoring. and one of my problems that they ant explain to me is why my credit score keeps dropping XXXX points or more almost everyday I pay my bills ontime every month. XXXX accounts on equifax are fraud 1. XXXX 2. XXXX. i was on the phone today for a little over 3 hours trying to get answers and all i received was the texas two step. please help me. my score was XXXX now XXXX and less then 2 months and they cant tell me why..I also filed a police report with them showing that the items where a fraud accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my XXXX  credit it shows I work at XXXX which I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Synchrony XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have requested multiple times for detailed invoices reflecting the charges owed - have not received anything. Contacting the office via their XXXX # regularly puts you in a voice mail loop. I 'm considering this fraud at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX,2017 XXXX and XXXX on XXXX 2017 this bank pulled my credit without me authorizing them to do so.

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 12-09-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Wrong amount charged or received

Complaint: This is an issue with MoneyGram online service. 
I made a transfer of money to XXXX from USA, {$50.00}. Moneygram webpage informed me of a fee {$4.00}. if I use my credit card. 
When I received my bill from credit card, there was an additional fee of {$10.00}. 
When I called the bank they told me that MoneyGram coded the transaction as cash advance, and as such there should be a fee of {$10.00}. When I called MoneyGram, they read me a disclosure of a recent change in agreement between MoneyGram and Credit cards Association stating that the transactions between them will be charged as cash advance not as credit card transactions. Nowhere on their website there was a mentioning of that. I believe it is a breach of law. Because each ATM has a legal disclosure of a fee when I used my credit card as a a cash advance. MoneyGram must inform a customer of the fact that a credit card transaction will be billed as a cash advance with an additional fee. When I called the MoneyGram escalation department, they refused to acknowledge the situation

Company response to consumer: Closed with explanation