milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They claim this amount due was for a bill incurred during XXXX. However, I have went back many years on my credit and had seen where several collections companies have passed this around. I called and asked if this debt was time barred and they stated they had no idea what that meant and refused to even acknowledge the terminology. I then called the company of who the debt is owed and after much time they determined this debt was from XXXX and written off. Well passed the statue of limitations. The company where debt was owed agreed with me and is sending them a letter to show account balance owed XXXX and they did not hire them to pursue this further.

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 12-06-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2017 I deposited a money order for {$500.00} and a 12 day hold was as placed on XXXX of it. I also deposited a separate money order for {$100.00} and it was available immediately. I tried to call to find out what happened and got the we are sorry but its computer generated line. I 've had this happen before but never a 12day hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Medical) with MFP, inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Violation of Hippa, Hitech regulations, unlicensed debt collector, no attempts to claim debt, just reports PHI on CRA 's site. Multiple complaint regarding the alleged debt w/ XXXX CA 's seemingly working together no proof of Associates Agreement w/ " original creditor '', on going investigation from Florida Department of Financial Regulation regarding collection activities of XXXX agencies. 
XXXX lost claim with XXXX, same claim submitted by " different '' CA ... if you look @ mail receipts from certified mail I 've sent same person signs for mail, They 've lost @ XXXX CRA, use different Company to submit same claim @ different CRA, never a direct attempt made to " collect debt '', just reporting to CRA 's is their tactic. 
Chief concern is HIPPA violations by original creditor, multiple breaches of privacy & security of PHI ( how many of these " low end '' agencies are going to end up w/ my PHI? ) Have filed complaint w/ OCR , FLoFR, next is asking Florida AG consumer affairs. multiple violations of fdcpa, facta, HITECH Breaches ... 
Investigations are warranted. They ca n't just shop this alleged claim from disreputable collector, another without end ... They 've lost their claim, how long do I have to put up with these XXXX getting away with this? ... asking the FEDERAL GOVERMENT TO ACT. IN THIS CASE! 










XXXX

Company response to consumer: Untimely response
Consumer complaint received 08/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: For the past two years I have struggled to make the high payments on my Navient private loans. The amounts they are asking me to pay are unreasonable. They will not work with me at all and I have no other options. My income is not high enough yet to make these payments. I am also in XXXX XXXX and they will not give me any type of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (FHA mortgage) with CORNERSTONE MORTGAGE COMPANY (OK).
Issue: Settlement process and costs

Complaint: I am the seller and the buyers applied with Cornerstone Home Lending, in XXXX. We were scheduled to close on XXXX/XXXX/16. We received n notice buyers were approved subject to final underwriting approval. A couple of days prior to closing the buyers wanted to back out due to fact that they could not run a small day care out of home. Closing papers were drawn on XX/XX/XXXX and I went to closing and signed. On XX/XX/XXXX 5 days after closing Cornerstone issued a statement of denial for income and now we can not get back our earnest. We do n't believe it 's true. Why would lender allow closing papers to be drawn, allow all to think approved when they would have had paystubs, XXXX 's and returns long before closing. I feel they issued the denial letter to help buyers get earnest and because of relationship with realtors who use them on a regular basis. They have not issued a mortgage credit denial on HUD 's website as require for all FHA loans. We spent {$6000.00} on repairs, leased another home, paid movers and now we have XXXX house payment and no money. Lenders should not be allowed to deny a loan after the fact. Not good business and very poor business ethics. XXXX XXXX - XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am asking that the company, Resurgent Capital Services ( lvnv ) provide me with something in writing before I pay them. They refuse. I want the lvnv removed from my credit report. The debt was a credit card e keep passing it around to collection agencies. I refuse to give anyone my bank info without something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (I do not know) with Midwest Recovery Systems (OK).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have never received any information regarding this debt. No mail, no contact to validate. I have submitted multiple investigations to the bureaus because it just suddenly appeared on my credit report. After submitting first investigation, they added it to another bureau and after disputing that one, they added to the third bureau. I am at a loss here for how they could report something on my credit and not be able to send me any validation of this debt? The company is Midwest Recovery Systems. Also they are reporting an opening date for the account as last month and that is not possible. I have a clean and clear good credit report. No defaults or delinquencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have the same bill reported XXXX times on my report. 
Act # XXXX & XXXX are duplicates. 
Med XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX-XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: According to the FDCPA, I contacted the collection agency Receivables Performance Management ( RPM ) and asked it to verify an alleged debt. RPM did not verify the debt. Nevertheless, RPM continued calling me several times a day and as of today is reporting an unverified debt to XXXX, XXXX and XXXX in flagrant violation of the law. 

I attaching copy of my letter to the collection agency, asking it to validate the alleged debt and the receipt showing that I sent the letter via certified mail with signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency or the original creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with CITIBANK, N.A. (LA).
Issue: Closing/Cancelling account

Complaint: I have had a Citi Bank Credit card for several years. Never missed a payment and several times I paid it off in full. Never late. 
My card was to be renewed XX/XX/2015 and for some reason it was cancelled. I called Citi Bank and they could not give me a reason for cancelling this card. I talked to XXXX different people and they could not come up with a reason. One customer service rep told me, your were late with your XX/XX/XXXX payment by 3 days. 3 Days? I told her that was no reason and I had made the payment but their not processing it over the weekend seems to have made it late. 
Now, if they knew they were going to cancel this card why did they not tell us? I had paid it off, in full and then used it on vacation. Why did they let me do that, knowing they were going to cancel this account? Why can they not give me a reason and keep transferring me from one rep to another? That was a very dishonest move on their part. I feel they took me to the cleaners knowing this was going to happen and knowing they would be charging all these hidden fee 's. 
So now they are calling me round the clock mainly at work and hounding me over their mistake. Now I am being added late fee 's, over the limit fees and being turned into the credit bureau. 
I just made another payment today online ( XXXX/XXXX/2015 ) and their late fees and interests are way out of control. And this is their fault, they can not even tell me why they cancelled the card. 
I do n't mind to pay my debt but I am not paying unfair fee 's and penalties. 
And this hounding me round the clock after all the years I have been a loyal customer has got to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I would like to ask for your assistance in this issue with my credit report which has had a collection reported that was allegedly resolved as the collection company stated in XXXX XXXX but another collection company has also picked up the account and began to report it also. Can there be XXXX of the same accounts being reported for the same amount owed. I believe that is the reason my XXXX went so far down from XXXX to XXXX. The problem with this entire account is that is was resolved by XXXX in XXXX when it had become an issue. The homeowner had hooked his RV up to the house for power and he was using the account in my name. XXXX XXXX was contacted and there was complaints filed and XXXX closed the case. I had and should still have an excellent payment status with XXXX because I had no late payments, and always paid on time. I found a receipt for a bill where I received XXXX in XXXX, Ca.XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 03-06-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CT).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, To explain my situation I have to start back in XX/XX/XXXX just before the onset of the mortgage crisis. At the time I had refinanced and combined a {$150000.00} mortgage with a {$50000.00} mortgage making a combined mortgage of {$200000.00} with XXXX XXXX.. On the loan agreement it is stated that current market value of the home at the time was {$270000.00}. 
Fast forward to XX/XX/XXXX. I finished off my basement and for that I took out another mortgage worth {$35000.00} with XXXX. Almost simultaneously that year I was receiving calls from XXXX XXXX. As we all know now this was a time when corporate greed was rampant which led to the historic mortgage crisis.Loans were being handed out like candy. The loan representative that I spoke with at XXXX XXXX stated we qualify for another mortgage. I took out a third mortgage for {$86000.00}. He stated that we would easily by able to turn around and refinance all of these loans into one mortgage. It was a very naive and not well thought out decision on my part. Remember back in XX/XX/XXXX the current market value of our home was {$270000.00} $ When I took out the third loan with XXXX XXXX in XX/XX/XXXX, they inflated the current market value to {$300000.00}. That is an inflation of {$36000.00} in less than 2 years. It is a known fact that the greedy mortgage companies would inflate the value of homes in order to sell mortgages leaving people to owe more than their homes were worth. 
Currently I owe more than my home is worth to this day. I struggle to make payments. Please cut me a fair deal ridding me of my mortgage with XXXX XXXX ( which has since sold the mortgage to Citimortgage ). Citimortgage recently denied me a loan modification. I just want to owe what my home is worth. I struggle to make payments, I am often lagging behind. My credit is now poor. The ripple effect of taking out that mortgage will last me the rest of my days. It has robbed me of time I could have spent with my XXXX children and my wife as I have always had to work multiple jobs to stay afloat. I didn't deserve such a lasting negative effect on my life for one attempt to enrich our lives by taking out loans meant to improve our quality of life. We want to stay in our home and deserve that chance to continue to bring up our family here. This is no mansion it is a one level ranch but it is still our home. 
We are victims of predatory lending! Make no mistake we are victims! We did not inflate the value of our home the mortgage company did. I call for an annulment or eradication of my loan with Citimortgage ( previously 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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX 2016 XXXX XXXX XXXX/XXXX reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.

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 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX is a collection that was paid on my credit report. On my experian credit report it states it was open on XXXX. On my XXXX report it states the companys name as XXXX XXXX XXXX. And it states it was open on XXXX. The amount reported by both is {$700.00}. I payed this collection on XXXX. I was told it would be removed after 60 days as Ibwas told from the collection agency. It 's still not removed. I have disputed and yet it still remains on both credit reports. I finally got them to remove it from my XXXX. This item was paid and states that it 's paid. It has been over the 60 days. Also the reporting dates are both different and they are XXXX different collection companies reporting in 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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to equifax 's online check to see if my identity was compromised, they informed me that I was a victim of this hack. Screenshot attached

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I filed a Chapter XXXX because we had received a foreclosure notice in XXXX XXXX. The Chapter XXXX was discharged in XXXX of XXXX. I recently went to pruchase a home and the realtor said that the county records show that Bank of America transferred the deed out of my name to their bank in XXXX of XXXX. So because of the lending laws, I am unable to get a VA loan because it looks like my foreclosure is within 3 years.

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries that not authorized XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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 explanation
Consumer complaint received 08-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NC).
Issue: Other transaction problem

Complaint: I wired {$7000.00} to my Coinbase account and it never showed up. The company said they could not complete the wire, even though it originated from the same account linked to my Coinbase account.
To resolve the issue, they said they would reverse the transfer and send it back to my bank account and that I should see it in three business days. The money never showed up. I would like the {$7000.00} returned to my bank account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I filed a dispute with Equifax Conf. # XXXX I got a letter with the Credit File Date of XXXX XXXX 2017 this letter indicated that the dispute was completed and the results of the Dispute indicated that all three  collection accounts resulted in being deleted from my credit report being Acct # XXXX, Acct # XXXX and Acct # XXXX However only two of the three accounts were removed from my credit file and account # XXXX still remains on my report after receiving this letter I called and the only option I was given was to file a new dispute. I believe this is a direct Violation of my rights based on the fact they all ready sent me documentation that the account was removed when in fact it still appears on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Received a ReFi from DiTech XXXX for a small mortgage loan. Ever since they misapply funds and harass me about payments already made. We make our payments more than XXXX days in advance. XXXX treatment from support staff until they find out it was their failure and not mine. Now they claim I need to pay an extra {$500.00} dollars for escrow though annual payments only increased {$53.00} dollars on insurance. They claim they made a payment but ca n't tell me to whom. We pay more than the required payment so I do n't understand why my monthly payment should go from {$590.00} per month to {$640.00} over a XXXX time annual fee increase of {$53.00} dollars. They keep giving me different and incomplete information and when I ask for mailing of their analysis they tell me different months it was supposedly sent out yet was never received in mail. Most recently they misapplied another payment and yet claim I now owe double the normal monthly payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation