milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax is reporting falsely on my account and I asked them to verify the accounts since they are not mine. They lied in their response to me that they contacted the courts and verified by sending someone to the courthouse. They asked me to contact the court. I did contact the court by phone and mail. I was advised they did not furnish the information to the bureaus and also sent me a letter indicating they did not verify as such. Equifax flat out lied and violated FCRA rules. Additionally, I have asked for the procedures and their source for having this info on my report as I believe they are using third party information that is inaccurate to report. This hearsay is causing me harm and I will have no choice but to sue after repeated attempts to get them to delete the records. XXXX and XXXX already deleted the records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: On XX/XX/2018 a family member of mine wired {$25000.00} to my Coinbase account. We received an email on XX/XX/XXXX rejecting the amount because it was not from an account associated with my name ( although it was my same last name ). We waited several days for it to be returned, but it was not. We placed a trace/recall request but that was rejected due to coinbase 's bank not responding. I contacted Coinbase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have received some communication back, but it was just to tell me that they were looking into it. I hired a lawyer, who had a conflict of interest due to an investor in Coinbase. I am looking for a refund of the money as it was due. I have asked for updates, to speak to a representative ... but no one has communicated to me. A few days later I wired an additional {$25000.00} from my own account which I did receive. This is a different amount. Please advise on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do n't remembering having an account with Capital One which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a XXXX XXXX XXXX XXXX XXXX XXXX which states they are collecting for Capital One. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Application, originator, mortgage broker

Complaint: Capital One has XXXX me once again. This would be the XXXX time I have complained about their total lack of customer service and lack of communication, and more importantly erroneous information. 

I asked to see if I could do a rate renewal which was told to me by one customer service agent, then told that I could not by several others. After days/weeks on the phone trying to resolve the issue with Mortgage Escalation Dept, I was told that I would be getting the paperwork in the mail, yet did n't get it. I was never given what the rate would be and after the XXXX phone call in the last two days, was told that my rate was going to be higher than what I 'm paying now. I ca n't believe the problems and horrible service at Capital One!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Billing disputes

Complaint: There was an unauthorized charge on our credit card XX/XX/XXXX for {$380.00} from XXXX XXXX XXXX ( XXXX MO ). We requested credit card co.to dispute the charge. It was denied because credit card co. received a ( false ) reply from XXXX XXXX XXXX. We tried to contact XXXX ( owner - XXXX XXXX XXXX ) via phone, email, mail, and fax. We never got a response and phone # was out of service ( since XX/XX/XXXX ). Credit Card company made contact with XXXX XXXX but would not reveal to us how. The fax # for XXXX would not work when we tried it. Her written reply that was sent to the credit card co. was that she had contacted us at XXXX on XX/XX/XXXX and we had authorized that XXXX charge. That was a false statement! We never spoke with them or gave them authorization for that charge which was beyond the 2-year verbal agreement made XX/XX/XXXX-XX/XX/XXXX for 4 payments. That XX/XX/XXXX charge was the XXXX payment. It was not authorized. Other local companies had the same issue with XXXX XXXX XXXX and their credit card company refused the charges for their account holders. The credit card company now tells us that after 50 days they will not reverse that charge. When we received the credit card company 's notice of denial of the dispute, it was already over 60 days then.

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 08/28/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just received a response from Ad Astra and they claim that the account i have placed under fraud alert is mine. I have had no luck trying to dispute this item for many months now and I have explained to all parties involved, even the XXXX credit reporting bureaus that I have had fraudulent accounts opened under my name, starting with XXXX XXXX. Somehow this company is abusively calling me regarding this debt that has nothing to do with me, and I even told them that all of the machine messages they left on my cell phone were against the law in my state of California. They refused to place this account in dispute when I challenged its validity and they claimed to have sent me paperwork which is also nonexistent. I have never received anything from them. I have suffered so much at the hands of this company. They choose to pretend I do not exist until I bring my case here to your portal. They have absolutely no right to report to my credit files and try to make me pay for something that is not mine and this company whom they work for is apparently accepting applications from fishy people. What is more hurtful is that they did n't even wait XXXX day to attack my concerns and my complaint. they just responded like I do not matter and as if my case has not been in dispute since XX/XX/XXXX. They are the ones who are the problem. How am I supposed to defend myself? They send me a ridiculous link on fraud protection when I have told them many times that there ALEADY is a fraud alert on my credit reports, so how are they allowed to keep this up? How was their client allowed to pull my credit? i do not understand this. I have a XXXX different things I will say until this company is investigated for violations against consumer rights. I will not stop fighting this company an their client, no way.

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 Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.

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 non-monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian was contacted to update to current loan amount and that no loan payments are due at this time with  XXXX   XXXX  student loan. They are showing an amount of balance before  XXXX  in payment. Also they showd delinquent for  XXXX  which is not

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 04/16/2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My spouse lost his job and we fell behind on our XXXX mortgage. I tried on several occasions to get my mortgage modified to an acceptable rate but I have been told that I can not get anything lower than the 7.5 % interest rate that I have because my loan is n't backed by XXXX or XXXX. Since I am unable to modify or refinance my loan according to Nationstar, I would like to make payment arrangements since my family is helping us with the money to get the account current. I have left several messages for the loan specialist assigned to my loan but no one has returned my calls or left me a message if I was n't home. I am trying to pay 3 months of my mortgage now ( XXXX/XXXX/15 ) and the remaining 3 months on XXXX/XXXX/15 to bring my account current. Any assistance to help me get some customer service would be greatly appreciated. I did call and spoke to a general rep that provided horrible customer service and was rude. Thank you for any assistance you can offer in getting someone to return my calls!

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Ive taken the proactive approach into reviewing my XXXX, Transunion and XXXX Credit Report after the XXXX 2017 breach. Ive contacted XXXX and was advised via XXXX website ; Based on Information provided we ( XXXX ) believe that your personal information may have been impacted by this incident. I enrolled in the XXXX XXXX XXXX which was offered by XXXX and locked my credit reports. I recently received a copy of my XXXX, Transunion and XXXX credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (I do not know) with ECMC Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent many disputes to the Credit Agencies and to ECMC in regards to the XXXX accounts that they are inaccurately reporting on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that ECMC verified that these items are accurate. But it is ironic how ECMC will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from ECMC. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.

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 04/13/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I plan to finance a house and I 'm currently shopping for a mortgage through various lenders. As long as I 'm aware, once my credit report is inquired- I 'm good to shop around for same product and my credit score wo n't be impacted. However, my credit score dropped 7 points after I applied for a loan through my own bank ( Bank of America ). Now if this continues, I wo n't be able to find a fair product in the market and my credit score will drop significantly with each inquiry for a similar loan.

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 12/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied a loan modification from Wells Fargo in XXXX of 2015 because they supposedly reviewed my application and said that they could not modify my monthly payment to anything lower than I was currently paying. Since I ca n't afford my current monthly payment they told me there was NO WAY they could qualify me for a modification XXXX XXXX or and IN-HOUSE modification. I went on the XXXX website for XXXX and althouth I know this is not official, I qualified for a {$500.00} reduction in my overall monthly payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX is representing the holders of our mortgage and the servicer, Ocwen. They filed foreclosure in XXXX. We filed counterclaims for breach of contract because the loan servicer, XXXX XXXX, did not properly apply payments. 

XXXX XXXX, lawyer at XXXX XXXX, obtained and presented a false affidavit written by XXXX XXXX of Ocwen, the current loan servicer. This false affidavit states that we did not make payments in XXXX & XXXX of XXXX causing us to be behind in payments. 

This is completely false and is proven with the new mortgage modification agreement that we entered into in XXXX XXXX that recast the interest from XXXX and XXXX of XXXX, added it to the principal balance with the first modification payment due on XXXX XXXX, XXXX. 

This contract is a simple, common, unambiguous mortgage modification contract. This type of contract law is taught in the first semester of law school. XXXX XXXX has been an attorney for some time now so it would be a natural conclusion that she is capable of reading a very clear and simple contract. Therefore she is well aware that the affidavit she obtained from XXXX XXXX is false and contradicts the very contract that is being foreclosed on. Other business record evidence that supports the contract includes phone records and payment records. 

Not only did XXXX XXXX commit perjury, XXXX XXXX knew that the affidavit was false and still filed it as evidence in this case. I truly believe that XXXX XXXX committed suborned perjury by knowingly convincing XXXX XXXX to write a false affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.

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 non-monetary relief
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The XXXX XXXX XXXX has contacted me regarding a citibank credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX my account was reported late I had spoken with a representative on the XXXX of XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped 70 points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re :  Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a XXXX XXXX This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am a victim of predatory lending. I had an appraisal performed on my home and found that I fall within the XXXX LTV range which qualifies me to get my mortgage insurance ( MI ) dropped. If I refinance I will get the MI dropped but that will cost me about XXXX in closing cost. 
When I call my servicer Pennymac to conduct an appraisal they tell me LTV must be at 75 % for them to consider removing my MI because of FHA guidelines even though I no longer have a FHA loan. Pennymac had me call FHA and FHA told me I no longer have an FHA loan. Of course I called back and they said it somewhere in my disclosure that they have to look for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I got a diploma not a degree from XXXX college. Been fighting them ever since 2010. I was charged XXXX dollars for a diploma and ca n't even get a job with it EVER!! No one would except the diploma or credits, they never even helped get the job interviews or internships they promised. Im on medical leave due to a health issue now with no money coming in. So I can not pay anything now. Live at home with parents just to stay alive. I dont think I should be paying that much for a diploma. XXXX college only wanted XXXX for theres over 2 years, not 2 years at XXXX. The teachers were n't even good they gave you the answers and open book tests so you could just pass through without fully understanding it. I dont even recall now anything I tried to learn so it was useless to go. 

XXXX XXXX

Company response to consumer: Closed with explanation