milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX+ Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from 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 explanation
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with Perfection Collection (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: disputed debt from debt collector ( Perfection collection) and XXXX XXXX. sent letters to debt collectors on XXXX XXXX, 2017 asking for validation of debt. have not received any response back. I do not and have never had a contract with perfection collection or XXXX XXXX. the debt is not mine and its unverifiable. please delete and remove from all three credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of Identity Theft and filed a full police report regarding the Identity Theft and the impact of the negative items on my credit report that do not belong to me. I filed a formal letter to Equifax reporting the Identity Theft along with a copy of the Police Report and asked them to remove the items listed on my credit report that do not belong to me as they were from the ID theft and Equifax has refused to remove these items after 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have submitted an application for Income Based Repayment plan ( twice now along with mine and my husband 's W2 's ( current year ) and my paystubs ). Great Lakes now has XXXX applications, XXXX paystubs and a copy of mine and my husband 's W2 's. I have received confirmation that these faxes have successfully been transmitted. Yet Great Lakes continues to send me emails saying they can not process my Income Based Repayment plan because they still need mine and my husband 's W2 's and paystubs. I have done everything on my part to ensure Great lakes has received my documentation. I 'm unsure as to why my Income Based Repayment plan is not yet processed? 

Great Lakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (I do not know) with TSC Accounts Receivable Solutions (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted TSC Accounts Receivable Solutions at the phone number given in response to another complaint. I agreed that account # XXXX, for date of service XXXX/XXXX/XXXX, with a current balance is {$270.00}, including principal and interest, was indeed mine, even though they did not have anything with my signature on it as such. I paid this in full and was told it would be totally removed off all my credit reports. 

The account, # XXXX, for date of service XXXX/XXXX/XXXX, for {$220.00}, including principal and interest ( the lessor of the XXXX reported ), is unknown to me, so I asked for debt validation. At this time, TSC does not have anything with my signature on it proving it is indeed my debt and not an error. I requested debt validation and was told I will have to call back in a month to find out the results of the dispute. As TSC does not have proof that this is my debt, reporting it as such is a violation of the FCRA. I request TSC remove this debt from all reporting agencies until such time as they can prove this debt as valid and owed by myself. I have already suffered loss because of the reporting stated in my initial dispute and this item will continue to cause me losses.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: To whom it may concern, Experian had previously deleted all the items off of my credit report due to identity and some company in violation of the fair credit report act. However, since has reinserted back on my credit report without any notifications.

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 03-03-2017 about Credit card () with WELLS FARGO & COMPANY (RI).
Issue: Other

Complaint: I have a XXXX, Wells Fargo App barely works, I submitted a payment thru the app that was never posted after everything I received {$37.00} late fee and a {$70.00} interest charged. I called on XXXX/XXXX/17 and they assigned me a executive because I said that I was going to file a formal complaint because. After this they told me to wait until they can help waived this for so I made a payment on the 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 03-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan is currently serviced by Nation Star and the regular monthly payments were {$1000.00} per month. Nation Star offered a trial loan modification where the payments were increased to {$1300.00} per month ~ see attached. Nation Star has refused to record this modification, claiming they need {$1100.00} to complete the process. The loan modification agreement is demanding {$930.00} per month in monthly escrow payments. The escrow account grossly distorted since my taxes are {$5200.00} per year and insurance is {$800.00} per year. My escrow charges should be {$500.00} per month and total payments should be {$930.00}. Nation Star claims the escrow account is deficient, which is impossible because all the past due escrow has been recapitalized in to the modification agreement. All of the figures listed on the " AFFIDAVIT UNDER SECTION XXXX OF NEW YORK STATE LAW '' do not add up. There is a demand for new money ( {$54000.00} ) and a demand for a total balance due ( {$110000.00} ). I have requested a complete breakdown of the alleged total balance due and Nation Star has refused to furnish it. Nation Star is also pushing a 480 month amortization schedule, which is predatory and unnecessary. I originally borrowed {$66000.00} in 2004 and never refinanced my property. Therefore, there is no way my balance could be {$110000.00}. Nation Star is clearly distorting the escrow account and balance due to the extra equity in the property. I feel cheated and deceived by Nation Star, therefore I am seeking your assistance on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I took out several loans with this company in the past. I would always pay hem back. For some reason I fell behind on one of the last loans I was planning on getting from them. I then was charged though them. They took the money from my Bank account. Me thinking they had tooken all of the money that i owed. But they were short XXXX . So I never went back to the store for a while. I then noticed I did owe them still I was being called maybe a couple times. I was supposed to go in and pay but I just never went it in because maybe since I thought it was only XXXX they would charge again on my bank account. Well now it 's time to pay it all off in full payment. I would like to do this as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. X/X/17- {$4400.00} X/X/17- {$800.00}, {$5200.00}, {$1000.00} Copy of correspondence with the bank is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: My wife and I now just have to wait to become victims of identify thefts along with XXXX XXXX other Americans for the rest of our lives thanks to Equifax and its XXXX security breach that has been just announced by them as having occurred from XXXX through XXXX of this year. 

In accordance with the recommendations of experts, we have obtained the services of a credit monitoring service and have frozen our credit with all XXXX credit reporting agencies at a cost of {$29.00} per month, each, as well as a fee of {$10.00} each, per agency, to " freeze '' our credit reporting with them. The breach is obviously a separate matter entirely but to have to pay a fee to each of these agencies to freeze or unfreeze credit with them on a service consumers can not opt in or out of seems unavoidable and abusive in light of recent events ( a clear UDAAP violation for those of use working in regulated financial institutions XXXX. 

The CFPB needs to also refocus itself to protecting consumers from UNREGULATED participants in our financial services industries such as credit reporting agencies and others that in additional to selling products also maintain private personal information. First and foremost with regards to " protecting '' consumers the CFPB should look to ensure that these unregulated participants are subject to the same level of scrutiny and audits that XXXX and established regulators like the FDIC and XXXX do in some many areas including cybersecurity with regards to banks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Complaining about not assisting me with inaccurate credit report information. Inaccurate credit inquiries on report. 

XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX/XXXX - XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and 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 01-09-2018 about Debt collection (I do not know) with ERC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I, MR XXXX. OWNER OF THE PHONE # XXXX, HAVE BEEN RECEIVING NUMEROUS CALLS FROM, ERC COLLECTION AGENCY [ XXXX ], REF # XXXX XXXX THEY'R CALLS TO MY PHONE # ARE ASKING FOR A ..MR XXXX XXXX XXXX, NOT KNOWN NOT AT THIS PHONE # I, HAVE REGERSTERED A COMPLANT WITH F.T.C. ON X/X/18, REF # XXXX AND ALSO CONTACTED THIS ERC AGECY, TALKED TO A MANAGER PLEADING TO STOP HARRASSING US ON THE ABOVE DATE. 
TODAYX/XX/2018 AT XXXX XXXX, I RECEIVED ANOTHER CALL WITH THE SAME THREAT/NOTICE OF COLLECTION, FROM THE SAME ERC/PHONE # AND REF # AS LISTED ABOVE. 
I BEG FOR YOUR INTERVENTION TO THIS HARRASSING CONDITION XXXX XXXX X/X/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with ALLY FINANCIAL INC. (WV).
Issue: Struggling to pay your loan

Complaint: I took out a car loan for XXXX with Ally financial in 2011. They have withheld account information to me, lied about my payment plans, used extortion and bullying to squeeze exorbitant amounts of cash well over what I originally agreed too. I have put over 30,000 dollars in this car and they are still harassing me.

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 05/19/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX XXXX primary residence at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX have lived her for 47 years. I inherited my property from my mom. The house went in your name in XXXX and had modification done in XXXX or XXXX. My mortgage payment including taxes and insurance was {$1200.00}. I was attacked by a XXXX student were I was working as a XXXX for XXXX XXXX XXXX. I had to go out on long term XXXX because of the attack and being diagnosed with XXXX, You notified my mortgage company for the loss of income. In XXXX I was diagnosed with XXXX. In XXXX taxes were due and the mortgage company fail to pay my real estate taxes and insurance. My taxes went up for sale and was purchased for {$10000.00} and the tax buyer now wants me to pay {$90000.00} for my home that is acquiring possession on XXXX XXXX. The mortgage company said they did not get any notice. However, my mortgage company had a responsibility to pay my taxes and fail to do so. I have a court date tomorrow and the mortgage company to be present to defend themselves of no notice to pay the outstanding taxes back to the tax buyer of {$10000.00} to avoid me loosing my home and paying {$90000.00} to buy my home back. 
I am trying to get a mortgage to purchase my home but need time. However, I could apply for another modification and avoid credit issue and start back paying my mortgage again now that I am now gainfully employed again and have been for a year now as a XXXX for a XXXX XXXX. I feel I am a target of mortgage fraud of loosing my home and have not being treated fairly. I have tried to work with the mortgage company and have not got any assistance. I got a letter from for tax buyer representing their title Mortgage Broker and Auctioneer. The company name is XXXX XXXX XXXX. Its very strange to me the lender did not pay my taxes when they was suppose to have paid them from my escrow account regardless of me being behind in my mortgage payments and my mortgage is still of record and has not been released and the foreclosure was dropped. I was denied a new modification program to reduce my payments when I became ill. Please assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (NV).
Issue: Managing the loan or lease

Complaint: Citbank just took over for Brooks Brothers credit. When they switched to this new bank, payments made the same day did not post. Next, I began receiving 3-4 " robo '' calls a day ( and night ) from Citi asking for payment ( and it was n't even 30 days past payment date- even though I paid and they never posted the check ). The volume of calls was ridiculous and unwarranted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Dear Sir or Madam, I am filing a complaint about Coinbase. 

I withdrew XXXX EUR ( in words : XXXX XXXX XXXX XXXX XXXX euros ) from Coinbase to my verified XXXX XXXX account on XX/XX/XXXX. 

The website of Coinbase promised a transfer until XX/XX/XXXX. 

Until today ( XX/XX/XXXX ) I have not yet received the promised funds. I have formulated multiple support tickets and also called the customer service desk, were I have not received an update on my transfer status. The customer service always confirmed that the status is " pending '' and that the funds should have arrived long ago, but could not tell me when they will finally arrive. 

The reference code within Coinbase is XXXX. My bank account was verified, as I was able to send EUR to Coinbase with the same bank account. I have earned the money myself and do not have any criminal records ( in specific I have no record of any violation against anti money laundry regulations ). 

If you could help me to receive my desperately needed funds, I would greatly appreciate that. Thank you very much. Since I do not hear back from Coinbase, you are my last hope to receive the funds. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other service problem

Complaint: I had invested a total of XXXX USD with Coinbase. Everything was good until about a month ago when I had some problems with my laptop. Among other information, I lost the authenticator app and the secret key for my account. That meant that I would have to be reauthorized by Coinbase.

So, I entered my username and password. Then I entered my cell number and they sent me a verification code. After I entered the code, I was prompted to either show an ID to my webcam or upload an ID. I chose to upload pictures of the front and back of my driver license. Then I was prompted to use my webcam to take a picture of myself. I did this and within about a minute or so, it came back with unable to verify.

I sent an email to Coinbase support which stated this problem. What transpired after this can be understood in a series of email replies back and forth, which I will include with this complaint. The bottom line is that at this point I almost feel as if I have lost the money I invested, because they now have been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Bank attorney is giving me the run around in court in an attempt to foreclose on the property instead of working with me to complete a short sale. I have qualified buyers who want the property.

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. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was compromised in the data breach reported today XXXX/XXXX/2017. The data security at Equifax should have been much more secure, and the executives selling stock before releasing this information to the public seems to me like blatant insider trading.

Company response to consumer: Closed with explanation