milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Commonwealth finance is trying to collect and report on the same debt twice. This is very old debt and has been reported for a long time. Now its showing twice!! This is against the Florida statutes from what i understand as well as re-aging an account with no cause is also illegal.

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 EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to place a freeze on my credit with Equifax because they were hacked. Last week I input my info on the website and it came back that my information was probably compromised. I attempted numerous times today to freeze my credit on their website. It was down. I called the help line that they have to deal with " the incident " ( their terminology ). It was staffed by a 3rd party vendor. When I asked the operator the name of the vendor she told me it was confidential and she would not disclose it. I tried calling the corporate HQ and was met with the same intransigence. No one at this company will attempt to assist over 143 million consumers who may be severely affected by this data breach. They are doing absolutely nothing to help. I called XXXX  and XXXX  today and froze my credit. It took less than 15 minutes to do both. Equifax is purposefully impeding my attempts to secure my private information. I would also request to be reimbursed by Equifax for costs of freezing my 2 other credit accounts. This needs to be stopped, now.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Settlement process and costs

Complaint: The only way to obtain essential document is thought a fax machine. I do not have a fax machine all of my documents are via e-mail. This mortgage was obtained from XXXX XXXX XXXX just over a year ago. Carrington Mortgage Service will only allow changes to the Escrow Account or PMI with these foams.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Settlement process and costs

Complaint: For over four years since XXXX, I have been trying to do a loan modification and/or short sale on a property located at XXXX XXXX in XXXX XXXX, MO through the financier, Bank of Americaa. This home, valued at {$20000.00}, has a balance of {$76000.00} owed, due to the over estimation of the value by BAnk of America. In XXXX, I attempted to short sale, and as recently as this year. Each time, BAnk of America mandated that I take off work, to the Bank to take tons of paperwork, submit tons of paperwork, only to both sides decide for no logical reason that I could not short sale. In XXXX XXXX, BoA even had their appraisers to come and substantiate the value of the {$20000.00}. Then after securing a buyer that agreed to even pay an extra {$5000.00} over their agreed-upon amount and having a closing date, they once again told me about a week before closing that they would not allow me to sell it and that I could, in their words, " afford to keep it '', even I submitted the cost that I 've incurred and that I am in the red because of this property. I was given a representative at Bank of America for assistance, only for her to tell me that she ca n't do anything for me. On top of it, they charged me " legal '' fees for a short sale that they did n't even allow!!, plus cost in leaving work because they needed me to come into their bank to [ BoA ] to fax papers. During both attempts, I used a representative real estate agent that specialized in short sales. This bank is atrocious to it 's customers. They refuse to return calls in timely manner. BoA deliberately tries to prevent short sales. I would receive less than 24 hour notices to submit paperwork for this short sale, while they would take a week or more to even reply. Additionally when I asked about modification or HARP, I was told that they could n't help me. This bank needs to be investigated.

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 06-10-2015 about Debt collection (I do not know) with Professional Recovery Management (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this company call my wife with XXXX frequent i never give them my wife cell number. she was very upset when the call her when she was with her XXXX at a work shop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Company closed the account with a balance of {$1700.00} and now send me some collections letters and harassment calls daily. I have to block the number from my phone getting so many calls daily. Account was closed X/XX/17 and never get any issues until now. I want the harassment to stop and the letters immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Bank of America drew on personal credit line and even exceeded credit limit to satisfy judgment against a company that I was an employee of.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following accounts being reported by Experian are fraudulent and do not belong to me. I have tried to dispute these items twice and they have verified them to be mine through an incomplete investigation. XXXX and XXXX have already removed these accounts from my record after verifying they are not mine : XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXk XXXX Account # XXXX XXXX XXXX Account # 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 04/24/2017 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: Information belongs to someone else

Complaint: To whom this may concern, I am having significant trouble with the customer service of  XXXX   XXXX   XXXX   XXXX   (  "  XXXX  ''  ) a nd having even more trouble with  XXXX  recognizing my consumer rights.     By way of background,  XXXX  has been reporting a number of false records to my credit report, including but not limited to reporting my living address as " CEASE DESIT  XXXX   XXXX  '' as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB , OCC,  and other regulators concerning illegal marketing practices of WFC.     To follow up on my previous concerns,  XXXX  claims that their current submissions to my credit report abide by the Fair Credit Reporting Act  ( "  FCRA '' ) but nothing could be further from the truth. Indeed,  XXXX  has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to  XXXX  and Equifax are not only not supported but also conflict with each other - raising serious concerns as to what information  XXXX  is reporting on consumers and what process they use to verify that information.     For my personal situation,  XXXX  reports that a  XXXX   XXXX  loan with an amount of {$35000.00} was opened on  XXXX   XXXX ,   XXXX  . However, Equifax reports a similar, although not identical loan of {$35000.00} was opened on   XXXX   XXXX   XXXX       I would like to know, why  XXXX  company is reporting similarly looking loans with conflicting information and produce a detailed report of how  XXXX  reports " open dates '' and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as WFC to clarify whether these two accounts are referencing one loan or they are two different loans.     The above instance of conflicting information is just one example, I would like  XXXX  to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I applied for a student loan with XXXX XXXX in XX/XX/2006, which was only supposed to be a 5 year loan. The length of the loan has doubled, because they continuously sell the loans to new institutions, causing it to restart. Currently the loan is now with Navient, and for some reason they have managed to divide my loans into several mini loans, which I assume results in me paying extra in interest. Also, my primary issue with this institution is the fact that they have reported my 30 day late payment which was caused by them, as a 60 day late payment. Last year, my loan was with XXXX, and I had my account setup in a manner in which the payment due would be automatically drafted from my account. I then received a letter stating that my loan was being sold to Navient. However, I did n't realize that the auto drafting of my account would no longer be in place. I received a call from a Rep, stating that my account had a 30 day past due balance, a well as a current balance. As a result, I explained the situation and immediately provided payment to the Rep to take care of the past due amount.I also made arrangements to draft the remainder. Instead of applying the first payment to the past due amount, they applied it to the amount that was currently due, and never drafted my account for the remaining balance. As a result of this, I had a 60 day past due balance, which they reported on my credit report, which absolutely does n't make sense to me. I 've spoken to them and even had the call escalated, but they refuse to make adjustments despite them clearly making a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (AL).
Issue: Application, originator, mortgage broker

Complaint: Looking to refinance investment property with Green Tree Lending Service and submitted personal information almost a month ago. The company took all loan information from my partner and myself and has not responded back to any of our call concerning the process. We are told that if another loan agent take over he/she would have to conduct another credit check and basically start the process all over which would not be good for our credit scores. We both have good credit and have been owning the property for a number of years. XXXX XXXX agent : XXXX XXXX, phone XXXX Ex 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 10/17/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have discovered a collection account on my XXXX credit report from Commonwealth Finance, with an original creditor of XXXX of XXXX, for a total of {$710.00}. I have not received any notification of said balance from either the original creditor or collection agency, nor do I have any verification of said outstanding debt. Further, this appears to be for services rendered in VA. I live in TX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (TX).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: I have a rebate card issued by XXXX for {$930.00} and the card is issued through wire card service ( citi card ). according to Wire card service they sent the rebate card to me on XXXX XXXX XXXX but I never received the card. Upon enquiry, they did an investigation about this and found fraud activity. someone else used that card in XXXX, XXXX XXXX, TX on XX/XX/XXXX. Then they sent me another rebate card on XX/XX/XXXXXXXX that card also I did not receive. When I called the company, they said they are going to do another investigation on this. 
After investigation they found someone used the card on XX/XX/XXXX in XXXX # XXXX, TX for the full amount of XXXX and they said they couldn't find any fraud activity on that.and they are not replacing the card to me. 
I called the company and asked them how they reached in that conclusion of not replacing the card? what is the result of the investigation they did? 
How they reached the conclusion that there is no fraud activity happened? 
They did not answer for any of my questions. they just said they closed the case. 
I want to know how the company reached a conclusion that they are not replacing the rebate card which I never received. also I want to get my rebate card as soon as possible. 

XXXX card No. XXXX used in XXXX # XXXX, TX for {$930.00} XXXX Card No. XXXX used in XXXX XXXX, TX for {$930.00} Thank you

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 monetary relief
Consumer complaint received 09/30/2015 about Debt collection (Payday loan) with GMA Investments, LLC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I first received a call from XXXX XXXX with Summit receivables phone number XXXX on XXXX on my employer 's phone at work. I asked that they do not contact me at work any further. She called me later that night on my cell phone and stated in her message that she had verification of employment and verification of income for a matter on XXXX XXXX, XXXX XXXX of residence, and made it seem as if legal action was being taken. On XXXX, I received a call on my cell phone with a message now stating that she will move forward with her audit to get verification of employment and income. On XXXX, my employer received a fax from summit receivables requesting my personal information to include my salary and other terms of my employment, which my employer did not fill out or return to them. On XXXX, my employer once again received a call from them asking to speak with me but I was unavailable at the time. I have yet to receive a verification of this debt from summit receivables as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have submitted disputes to Experian on multiple occasions regarding the XXXX XXXX  COLLECTION ACCOUNT. Experian has alleged that they have verified the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ; however, have failed to substantiate how they verified that the account belongs to me. Instead, Experian forwarded me a form letter of their investigation process. Moreover, XXXX XXXX has not provided a contract illustrating that I agreed to the debt. It is also imperative to note that I am a " XXXX, '' so the alleged debt can belong to my father and has not been validated.

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 06/15/2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I Received a collection letter from this collection agency dated  XXXX / XXXX /  XXXX  . I replied to them in writing on  XXXX / XXXX /  XXXX  . I told them on my letter that the account was not mine and I asked to provide me with a copy of the signed credit application. As of this date, they have not sent me any documents related to that debt.

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 04-02-2018 about Checking or savings account (Checking account) with BB&T CORPORATION (GA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have had this account for over 12 years and now I am being told that the mother 's maiden name listed on the account is not what was submitted when the account was opened. my debit cards keep getting blocked and I have to use cash to make purchases and when I call in to get these resolved I get blocked by the mother 's maiden name issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with BYL Collection Services (DE).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notice from my credit monitoring service in  XXXX     2017 that my credit score had dropped. When I reviewed my credit reports, there was a company BYL Management Services LLC claiming I owed a collection debt in the amount of {$1600.00} to them. I 've  never heard of this company and have never received any kind of communication from this company about any debt owed to them. I tried to dispute this information with the credit reporting agencies and my disputes of returned with no change. I still have not received anything from this company that I owe them any money or that I ever had an account that went into collections. This is unfair and deceptive as I was  never notified that I had a debt owed or a debt that went into collections. I was never sent any kind of written notice from this company to be able to dispute the debt and get validation of the debt claimed to be owed prior to this company placing a collection account on all  XXXX  of my credit reports, and even still after this being placed on my credit have not heard from this company or been sent any information regarding this debt. This has negatively impacted me, my credit score on all   XXXX   credit bureaus, and financially because I will be denied extension of credit because if this. According to the FDCPA this is a direct  violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (LA).
Issue: Loan payment wasn't credited to your account

Complaint: XXXX/XXXX/XXXX {$400.00} I called numerous times and no-one answered

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (NV).
Issue: Struggling to pay your loan

Complaint: Appears to not be a licensed lender for the State of Nevada but doing USPS mailings and performing high interest loans. Tried to have me use a credit/debit card for payments using a payment processor outside the USA for  a higher fee. Refused to stop an ACH withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: dear cfpb I 'm using a Coinbase e-wallet. But the last time i wanted to login, my account ask for a 2 step verification via a XXXX app, but i have never activate a verification from this app. I do n't have this app. Since a few days i tried to fix my login and contacted many times the coinbase support, but without any answers. Now i ca n't use my wallet and my deposit is unattainable for me. That 's really bad, because i have more than thousand euro on my account. Can you help me to get support from Coinbase? I 'm hopefully waiting for your answer. Best regards, XXXX.

Company response to consumer: Closed with explanation