milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested for at least the last XXXX years, a detailed explanation of how Midland Credit Management arrived at the balance they allege I owe! They REFUSE to supply me with this information, yet expect me to pay almost {$3000.00} for this alleged debt. I do n't know anyone that will go to the grocery store, or XXXX, for example without getting a detailed, line by line item explanation of what they owe. This leads me to doubt the validity of the bill. If they ca n't prove it, they need to remove it!! I consider this to be inaccurate information that is being reported to the credit bureaus. I appealed this travesty to all XXXX credit bureas ; TransUnion deleted it from my files. I feel it is only fair that the other XXXX do the same immediately and permanently. The representative I spoke with earlier today actually told me that they have never received any requests from me!!! Thank goodness the conversation was recorded. I have EVERY piece of correspondence to AND from them. What a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: my previous compliant # XXXX XXXX XXXX called me over a week, because we have time zone conflicts, I tell her email me instead. 
Finally I have to call her and get hold with her yesterday when I take time off work early. She told me she already replied your department, but when I checked today it still show open. 

The email I send to her yesterday and try to copy your office as follow : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX XXXX, I spoke to you today and here 's the statements I copy from XX/XX/XXXX, which proof I have POA since XXXX and XXXX 's accounts open at Bank of America more than 15 years, it never has to get POA appear at statements. 

Your bank mail us statements last month start separating the checking and savings. Instead each month I should get one set statement for each son, I have 4 statements in separate envelops. 

I simply request the following two : Did not want POA show at statement. 
Have savings and checking statement combined each month. 

Please let me know if it can or not? If you can not fulfill my requests, please give me reason why? Any bank regulation states that POA must appear at banking statement as account title? 

Waiting for your reply either by mail or email, do not call because we have time zone conflict.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In the course of XXXX days I have contacted Receivables Performance XXXX times in writing and requested proof of the debt to be sent to me. I have never heard back from them. By law if they can not provide proof of the debt within 30 days, they have to remove it from the credit report and stop all collection activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Never was completely sure of amount to pay

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please help me, there was a judgment filed a while ago that should have never been files as the debt was paid before it was ever filed. I disputed the item several times which the only agency reported is Experian, they stated no they would not remove so I had my attorney go to the courts and obtain a motion to set aside, which I attached. The judgment should have never been filed and everyone agreed. Why is Experian not complying with the law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2015 about Debt collection (Auto) with M & S FUNDING, INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: the company m & M funding has been harassing from the time i bought my first vehicle in 2011 from them the would call me when the declaration page on my insurance would expire instead of calling the insurance company they also lied to me had me pay for gap on my vehicle than when my son wrecked my vehicle they told me they were not doing gap because of the payment process of gap they call me when im at work all the time im about ready to be fired i can not answer my phone at work there former manager told me XXXX time that he did n't think i had insurance because he was having a hard time getting the declaration page from the insurance company he basically said i was lying he told me his daughter worked for the same insurance company i had and i and i lying about how long it was going to take for me to get the paperwork i talked to XXXX at the company on XXXX/XXXX/2015 at XXXX our time and than he called me again today for the same thing i already talked to him about i would like to own both of my vehicles from this company there is other things they have called continuously about but i ca n't remember than all right now. they are also very rude with there clients they are always got new employees so you never know who your talking to from XXXX month to the next so everyone at the company knows your business its not just XXXX person working on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Deville Assets Management is currently reporting on a debt, in the amount of {$8900.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Deville Asset Management does not own the debt. I have a contract with XXXX  and not Deville Assets Management.

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 10/29/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: Credit card stolen XX/XX/2016. Reported to XXXX cancelled card and account. Keep getting billed by Synchrony bank. Have spent hours resolving situation but keep getting billed by bank. Have not had account in months. Each month call bank and am assured problem resolved. I do not have an account but XXXX keep billing me. XXXX wits so do not know what else to do.

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 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: XX/XX/XXXX-XX/XX/XXXX Attempted to verify ID on Coinbase, through their website and mobile App XX/XX/XXXX ID is verified. 4 valid documents, 13 failed documents shown. 
XX/XX/XXXX Wire Deposit {$20000.00} from XXXX account. Verified Deposit of {$19000.00} XX/XX/XXXX Attempt to use the money. Buying disabled. Withdraw disabled. Contact Support. 
Coinbase is unable to verify my ID. There seems to be a verification process for depositing money and different verification for withdrawing/buying money. 
XX/XX/XXXX Case is Escalated and duplicated Case # XXXX and Case # XXXX XX/XX/XXXX-XX/XX/XXXX Account is unable to verify my ID. Contact support multiple times, send in additional documents. Unable to resolve. 
Coinbase seems to be holding my money and not releasing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, XXXX lost her salaried job and she was unable to find similar employment therefore our income reduction caused us to be late on our mortgage payments. 
XX/XX/XXXX, we were barely behind and were attempted to make payment arrangements, however Citi proceeded with foreclosure proceedings causing us to incur legal fees. To resolve this, in XX/XX/XXXX we entered into a repayment plan with Citi Mortgage from XX/XX/XXXX to the final payment in XX/XX/XXXX. Later we would receive a refund for a legal fees under the Independent Foreclosure Review because of Citi 's actions. 
We were lead to believe we would be eligible for a loan modification upon the completion of this plan, however Citi did not complete this. Instead, we fell behind on our payments again, and entered into a repayment agreement from XX/XX/XXXX to XX/XX/XXXX after which we modified the terms of our mortgage by extending the term. 
Please review this information to determine if the reporting of these payments can be updated to reflect that we paid the payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (MS).
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 submitted a letter t o Credit Plus inquiring ab out an inquiry on my credit report that I have no knowledge of. I received a response that stated I authorized  XXXX   XXXX   XXXX   XXXX  to pull my credit. I have NEVER applied for a mortgage I have no knowledge of authorizing this and asked it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In the year of XX/XX/XXXX I attended the XXXX XXXX XXXX online for a XXXX XXXX. During that year The company XXXX XXXX XXXX agreed to tuition reimbursement. I completed the program with As in XX/XX/XXXX. The advisors then called and emailed me constantly to coerce me to continue studies in the XXXX program since I did so well, I explained that my salary was not enough to pay more loans, and they told me that they would guarantee me they would help me with finding a job in the {$100000.00} range that would improve my station in life. There was urgency due to classes beginning soon. After constant calls and emails I agreed to enroll after assurances that I would earn a high salary and be more comfortable in life. I continued with reimbursement program from the company. When I completed he XXXX program my grade point average was XXXX and I was congratulated. I contacted the XXXX for help in finding a job, I was told to enroll with all the job boards which I did. I also asked for a job with the XXXX  and wad told they were not hiring and continue with the job boards. I received no contacts from my resume submissions. I contacted the school and got no help. The only thing they were willing to do was defer payment and offer forbearance for the next nine years. Now the eligibility for deferment/forbearance ended and I am being harassed by Navient every day and several times a day. I explained that I was still in the same job that I started with with no raise or promotion. I was in the same status until XX/XX/XXXX when I was in XXXX XXXX and had to retire. I contacted Navient and asked  for a history of my account because they were not showing any payment on the account ever, I asked to have the account history sent to me in writing since my companys tuition reimbursement was used to pay for classes. 

I have not received anything yet and they continue to call me. I did not receive any benefit from attending the XXXX XXXX XXXX and with the interest added to the debt has made it untouchable with my earning status.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (ID).
Issue: Taking out the loan or lease

Complaint: I was working for a car dealership. I was working in exchange for a vehicle. XXXX XXXX XXXX. This dealer went behind my back, and used my information to fraudulently obtain financing on said vehicle through Credit Acceptance Corp. Credit acceptance corp started calling me for payments and I explained to them the situation, they within a week repossessed the vehicle from me. Now I have a repossession and unpaid balance on my credit of 3 times what the XXXX was even worth. I have told them of the fraud as well as disputed it with the credit bureau and all they do is renew the account so its fresh lowering my credit even more.

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or around XXXX 2015 I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the XXXX XXXX  representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my late payments with  XXXX  and the  XXXX   XXXX  took it off my collections account but the equifax still has it on theres and it 's been over a year and still has not been taken off, and with that being in there it 's affecting my credit background checks for my job I am applying for so I need it off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been trying to complete an escrow buydown with Wells Fargo since XXXX to prevent my mortgage payment from increasing. I originally received notice of this with the name and number of a mortgage specialist to assist me with this process. I called and left numerous unanswered messages. I spoke to various representatives by calling Wells Fargo 's 800 number and nobody could help or get my situation straightened out. I finally made payments over the phone with a representative named XXXX who assured me my account would go back to the previous mortgage payment. Instead, as predicted because I have had similar issues with Wells Fargo in the the past, my account shows late payments. I have made each monthly payment timely, but my account has not been corrected yet and my escrow payment went toward principle. My account has been incorrect for XXXX months. I was told it would be fixed by the beginning of XXXX. This is showing poorly on my credit. My account now shows that my XXXX payment is delinquent, which it is not. I want this remedied immediately! I have made weekly calls to Wells Fargo with promises it will be fixed without remedy. I am sick of calling to follow up about them screwing up my account. It is a waste of my time!

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A attorney filed information in XXXX County Court for XXXX XXXX XXXX XXXX. The debt was not for me ; therefore, the judge dismissed the case. I attempted to contact XXXX in writing but the USPS was unable to delivered the letter since XX/XX/XXXX.  USPS finally " disposed '' of the letter sometimes after XX/XX/XXXX. 

I contacted Equifax in writing twice. Equifax refused to remove the XXXX information for {$920.00}. I also called Equifax and still the information was not removed. According to the FAIR AND ACCURATE CREDIT TRANSACTIONS ACT, reporting information must be accurate. Since it is not, I requested Equifax to remove the incorrect information 3 times. As of today, it has not been done. 

I am requesting that Equifax immediately remove to incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 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: Personal information incorrect

Complaint: To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation