milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other

Complaint: Did not shop at American Eagles and I just got back from 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 non-monetary relief
Consumer complaint received 06-10-2017 about Debt collection (Medical debt) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was  XXXX   in  XX/XX/XXXX  and  XX/XX/XXXX . The b ill that was not paid is from  XXXX   XXXX   XXXX . I have called them and told them the bill needed to be sent directly to my insurance company,  XXXX . I gave them the insurance address and phone number to claims. My insurance paid all other bills. Instead of  XXXX  sending the bill to my insurance, they chose to refer to a collection company.  Stanislaus Credit  control service I have sent certified mail to all involved. My latest contact with my insurance company said they will pay the entire bill.   In the mean time the collection agency has destroyed my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Debt collection (I do not know) with Check Security Associates, LLC (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This person XXXX from Warner asset legal department services kept calling me and my husband. I didnt even gave my husbands number and doesnt know anything about this debt company calling us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (FHA mortgage) with Idaho Housing and Finance Association (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Any time that I need to contact Home Loan Serv regarding my mortgage loan, I am never able to contact anyone. I am placed on hold for a timeframe around 5-8 minutes when I am forced to disconnect or leave a voicemail. I have never, not once, received a call back when a message is left. I have currently been attempting to contact to update my payment information as I have switched to a new account and my old account is no longer in use. I am unable to add a bank account via their webpage, and now I am unable to contact anyone on the phone. I have also noticed information regarding my payments being applied to my principal balance does n't appear to be accurate, but again I am unable to speak with anyone to discuss further.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 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: Account status incorrect

Complaint: XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XX/XX/XXXX TO : XXXX TRANSUNION According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Name of Account Account Number 1 ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, PA REPORTING LATE ( XXXX ) XXXX XX/XX/XXXXTHIS DEBT IS SOLD DOUBLE JEOPARDY 2 ) XXXX XXXX XXXX   XXXX ORIG XXXX XXXX {$1100.00} ACCOUNT NOT MINE 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX. NO KNOWLEDGE OF THIS * Please remove all non-account holding inquiries over 30 days old. 

Thank You, 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 04/30/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint about Experian, because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Experian responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.

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 11-02-2016 about Consumer Loan (Installment loan) with DISCOVER BANK (GA).
Issue: Managing the loan or lease

Complaint: When I looked up my credit report I seen XXXX installment loans. I 've never taken out any loans. Also I 've sent in a complaint to you recently and just seen you we 're trying to contact me. I 'm very sorry and promise to keep very close attention to your reply. I take this very seriously, and I do n't want you to think I do n't value your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (HI).
Issue: Managing the loan or lease

Complaint: i purchased a vehicle from XXXX 10 % interest rate 2 nd loan with wells fargo payment was XXXX $ monthly i was upside down XXXX $ my loan was, my amount financed was is XXXX XXXX payments i got about 2 years of payments asked for a pay off quote had saved some money was going to attempt to pay the car, from the XXXX XXXX ask what the pay off was they said it was XXXX $ still i asked for my records of my payments i received about week and half look at my payments XXXX $ they fluxiate a little about XXXX $ interst a month was never notified this ever shown this in it says 10.9 percent i researched called wells fargo since the dealersshio ask for the loan i my behalf was never notified 40 % interest have called wells fargo numerous times ask them if they could consolidate they said its not the procedure i am in a loan shark loan this why i am still making payments on time want to get out this loan

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This has been going on for months and years ... I have given you all info re : this complaint ... I have advised Equifax ( many times ) and still they have all the duplicate info on my credit report.. XXXX XXXX XXXX XXXX ... it is quite obvious that these are duplicates and they will not remove. Also I am trying to get a home loan to purchase a home and Equifax is a mess and stays a mess no matter what I say. 

XXXX : I have not had a XXXX account in over 10 years and have requested this removal many times. I have never used a XXXX. I have asked this be removed as well. These credit reporting agencies are not investigating properly ... THIS INFO I AM REQUESTING TO BE REMOVED MUST B E REMOVED IMMEDIATELY ... THIS MESS IS CREATING ME FROM GETTING A HOME LOAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I had no idea I owed money thought I was paid off said I owed XXXX and it 's almost {$800.00} now

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Someone from a XXXX called at a time I was busy. Mistakenly I gave my SSN. Realizing my error I issued a credit freeze in all XXXX companies. This happened months ago. This week I received a letter from Experian stating there were changes made to credit report. I went to XXXX and my SSN variation has a wrong number. My date of birth is also wrong, and a telephone number attributed to me was also wrong. I am afraid that in spite of having my credit frozen someone is stealing my identity. Thank you -- please help

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 05/20/2016 about Bank account or service (Checking account) with Empowerment Ventures, LLC (PA).
Issue: Account opening, closing, or management

Complaint: I reported my card lost/stolen on the night of XXXX XXXX 2016, at the time I wanted to expedite my replacement card, I was told that i would have to wait I would have to wait til Monday. Monday morning I call and I am told the hold is still on my account. Tuesday XXXX XXXX, I call with the same request, this time they tell me the card was sent. I asked how this was possible, they had no answer for that question. I asked for time of delivery and they said XXXX10 business days, so I tell them i have financial obligations I need to take care of, so we setup another replacement card to be expedited ( XXXX3 business days ). i did not receive it in the time allotted, i have talked to these Representative countless times and this still no mitigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. XXXX and transunion just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. XXXX and transunion want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact XXXX and transunion

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 10/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a text lies that was cleared XXXX 2015 and equifax is still reporting it. I have wrote in several disputes and they refuse to follow through. XXXX has removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX    60-89 Da ys Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 05-09-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I have an issue with predatory lending. The loan originated with   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   in   XXXX   during the height of the mortgage crisis. Unfortunately for me, this loan has been transferred to several loan servicing companies from  Litton and currently Ocwen.  I have a good credit rating and do not want to see it compromised because of this loan. Conversing with  Ocwen has resulted in N O RESULTS. The loans are neither   XXXX   XXXX   nor   XXXX   XXXX   so I can not apply for a HARP loan to refinance my mortgage. I am have read several things online about the horrors of these loan companies and  Ocwen th e loan servicing company, but do not know what to do. I need some help. Because I am  upside down in my mortgage, no one will offer me an opportunity to refinance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXX the XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX XXXX  of this country! You can't report both loans! Thgis is Fraud!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion placed a judgement on my credit report unlawfully, they removed it from collections and then placed it as a public record when I have never been notfied of a court hearing or date. The state they say I owe do n't even have it listed that I owe them on their very own website ( XXXX ), I have asked them numerous times to remove this inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: After the XXXX data breach, I have been trying all week to freeze my accounts/data at the three major credit agencies. I have spent HOURS and HOURS trying to do this, and have been partly successful at only one, TransUnion. However, they charged me a lot of money for things I never ordered. 

ISSUE : TransUnion. I went through the steps on their website to freeze my account. It all appeared to work -- until I received an email receipt showing they charged me {$19.00} for " TransUnion Report, Score, and 3-Bureau Credit Monitoring. '' I never ordered any of this while trying to simply freeze my account with them. I have spent OVER THREE HOURS since I saw the charge yesterday, trying to get in touch with them to remove these charges. I could never get through. Today, after a 47-minute wait  on hold, a rep finally picked up. As I was explaining my issue to him, the line was cut. Nobody ever called me back. Now Im 30 minutes into another hold on their line. 

I want my {$19.00} back from TransUnion plus a confirmation that they have actually placed a freeze on my account/data. 

The companies need to step up and make it much simpler and less time-consuming for Americans to freeze accounts -- of all our personal information, which we never agreed to give to these agencies in the first place.

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 03-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Issue : I made a money transfer to Coinbase , Inc. from my bank account, but it was never credited in my account. 

On XX/XX/XXXX, I made a SEPA payment from XXXX XXXX XXXX XXXX XXXX XXXX to the address/account specified by Coinbase : Recipient 's XXXX : XXXX Recipient Name : XXXX XXXX, XXXX. 
Bank Country : XXXX XXXX Name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, XXXX Recipient Address : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX / XXXX : XXXX However, this money has not been credited to my Coinbase account. 

I first contacted their customer support ( XXXX ) on XX/XX/XXXX. I received a generic response and emailed back on XX/XX/XXXX. On XX/XX/XXXX I received a slightly less generic response with suggested one action, which I undertook but it did not result in resolution. 

I have since emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX I received another email from Coinbase support, but it was clear that this was a generic message and they are not taking any action to find my missing money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I called Ocwen today to ask them for a HAMP modification. I spoke to XXXX, agent ID # XXXX who told me that I did not qualify because of the delinquency. I disagreed with him because according to the government guidelines, the unpaid balance has to be less than {$720000.00}, the loan has to have originated before XXXX 2009, the property has to have not been condemned, it has to be my primary residence - at risk, and imminent default, have experienced a financial hardship and be able to show a pay stub and tax return, and not convicted of a felony within the last 10yrs. I stated that I meet all of the criteria specified by the government but was still told I do n't qualify because of the delinquency. I stated that my delinquency is still less than {$720000.00}. I was told that I still did not qualify and that the modifications are account specific and that I should not get my hopes up. I requested a modification package and was refused and was told that I had to pay my loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I filled out all of the information on-line and then there was no report. Is it supposed to be emailed? It just was n't there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief