milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I got my last mortgage statement, with a significant increase in payment, from XXXX to XXXX. When I tried to inquire about this issue with Caliber Home Loan, which requires your loan number, all forms of communications, voice, on-line, do not recognize the account number, XXXX, on my mortgage statement. When I try and e-mail XXXXXXXXXXXX, found on my mortgage statement, there server refuses the e-mail. 

I seems to be no alternative other then mail, to contact this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit card () with PNC Bank N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is a complaint against PNC credit card of business, the department of fraud has frozen my credit card in without warning me because there was a purchase from an account that was closed. I talked to the executive and i made my own research and I want to say that I did n't do those purchases. The executive has accused me of doing theses acts that i did n't do. I am a good customer to this bank and the last thing I want is problems with my credit card. I want to say that none of these purchases were made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I 've been trying to contact XXXX XXXX for over 3 days. When I log onto my account, this is the message I get repeatedly : " We are temporarily unable to complete your request. '' This is then followed by a statement that the site is busy due to the XXXX breach. 

I called their service center, which is IN XXXX, and spoke with someone who could not speak clear XXXX. I ended up giving him personal info. I do n't know how secure that was. 

I 'm at my wits end the credit bureaus. I will be placing a notice on my XXXX page about XXXX XXXX being a scam operation. I do n't care what anyone does about this, I 'm going to bring them down. I mean it. 

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint for because Experian has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. Experian confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.

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 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

AMSHARE - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama 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 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX I transferred {$15.00} USD to gdax.com. Their process is to first transfer it to their sister site coinbase.com and then transfer it to gdax.com. The funds were taken from my bank account and deposited to coinbase on XX/XX/XXXX and have been pending a transfer to gdax since XX/XX/XXXX. I have sent them 3 emails requesting an eta on my money but I only get a generic response. My last request was sent on XX/XX/XXXX and as of now I have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I have told XXXX XXXX ( letter ) to please have his people not to contact me about my car payments, when they are not due to no avail. their computer system, will make it look like you are months, behind, when your payment, has passed the due date and their computer system has not processed the payment, that you have made.I have also to XXXX that my telephone system will not accept ROBO CALLS ... to no avail and they continue to contact me via ROBO CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Other debt) with FINEX Group LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon seeing a collection account reported on my XXXX credit report, I contacted, by Certified Mail with Return Receipt, the collection agency called XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ), on XX/XX/2017, regarding a collection account in the amount of {$1800.00}. I kindly requested them to validate the debt and give me more info on it. To date I have not received any response from them. I think the collection company is in default as they did not respond within 30 days time. In fact they never replied to my letter seeking validation and more details on my alleged debt. The collection information still remains on my XXXX credit profile and it is preventing me from moving forward, financially speaking. The collection agencies are very arrogant and defiant of consumer laws. They are under the false illusion that they are all powerful and invincible. I pray that you, the Consumer Finance Protection Bureau will reign on them and limit their power, arrogance and gross disrespect for the law. 

I can be contacted at : XXXX. 

I thank you in advance for your time and efforts in this matter.

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 10-11-2017 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: Old information reappears or never goes away

Complaint: The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2018 about Debt collection (Mortgage debt) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted Freedom Mortgage in XXXX many times over the past 4 years about their faulty practices. In fact I have sued them before and they settled. I contacted them in XX/XX/XXXX about my home they wrongfully and neglectantly closed on. I have sent them the letter that they sent me stating that they were not legally able to foreclose on my home until XX/XX/XXXX, because it was protected under the SCRA. When I contacted them concerning the matter They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did in fact send me a falsified documents and documents were different from the original deed that I possess. 
Freedom Mortgage just needs to be shut down period. They are a thorn and a causes great harm to our veterans and other Americans who have worked hard to secure the American Dream. I truly do not see how the government allow companies like this to remain open and thrive, and also give them bailouts with taxpayers dollars. I have the SCRA paperwork they previously sent me and it has been forwarded to my attorney I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.

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 08/26/2015 about Student loan (Non-federal student loan) with Berman & Rabin, P.A. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: my niece went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) it has since closed because the company that bought it has filed chapter XXXX bankruptcy I was appalled when I found that my government allowed such a transaction to take place how do you not know when a college has been placed on probation and had lost accreditation. You the government has allowed not only her but XXXX to be put in financial ruin and now I have been drug into this nightmare and I am demanding my money back. I have found that the XXXX now called XXXX has been sued for wrongful business practices and that my niece has a letter that states her loan has been forgiven but we have a bigger issue and that is a company called Berman & Rabin @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX. These people sent letters to financial institutions to seize money for this bogus loan and they picked up on a CD I had in MY NAME FIRST my niece 's name second at XXXX XXXX XXXX from XX/XX/XXXX here 's were you may want to check the illegal activities of this transaction I WAS NEVER EVER SENT ANYTHING FROM THIS BERMAN & RABIN I WAS NEVER EVER ATTACHED TO A STUDENT LOAN I NEVER EVER SIGNED ANYTHING FOR HER STUDENT LOAN what did happen was I WAS CALLED BY A REP FROM XXXX XXXX XXXX THAT THEY HAD TO RELEASE MY CD TO THESE PEOPLE TO SATISFY THE DEBT that should have never been issued because the so called college was told by the accreditation commission NOT TO ENROLL ANY NEW STUDENTS BECAUSE THEY LOST THE ACCREDITATION ALL OF THIS IS FROM A SENATE INVESTIGATION. This is Consumer Fraud, Predatory lending and the XXXX Merchandising Practices Act 407 sections 1 & 4 she was never told the school was not accredited plus she was told the class credits would transfer to other colleges or universities, section 2 the XXXX book she has is not even for the USA its for laws in the XXXX she and the rest of the people that went to that place never used that book. How can someone allow this to happen I 'm sick of how she & her mother has been treated by this berman & rabin the abuse they have been put through both are suffering not only monetarily but emotionally something needs to be done and now. I know for a fact she has been fighting this for 6+yrs and now the fact from our own US XXXX has proof that she and all that went there should have never been burdened by a student loan they have been deceived and she was not of sound mind and body anyway we as a family were dealing with the illness and eventual death of her father my brother so in XX/XX/XXXX she should have never signed any document for anything she was in a severe XXXX for over a month after his death she was off work for one month I know.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion kept on reporting a debt that has been paid already. These debts are as follows : XXXX XXXX XXXX for {$150.00} and XXXX for {$290.00}. All these debts have been paid yet TransUnion kept on reporting it as an " open '' collection.

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 10/29/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: RE : XXXX ( Attached ) So far ChexSystems is really digging themselves deeper1. Multiple counts of violations of FCRA, including but not limited to section 623. 
2. Willful noncompliance. 
3. Multiple violations of the Fair And Accurate Reporting Act. 
4.Defamation Of CharacterNo letters have been received in the mail from ChexSystems and if they were sent, please provide USPS certified tracking numbers. All of my letters to them all have been sent via USPS Certified Mail. 

Chex Systems claim they " verified '' the account, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. Unless you have something bearing my signature on it and have verified my identity, no proof exists. 

I am not going to the police to claim identity fraud until I 've investigated these items myself. I am not claiming identity theft, I am simply asking for proof that I am lawfully entitled to. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please let me know and I will send you an opinion letter from the FTC, ( the XXXX ) letter, specifically addressing the kind of " documentation '' you have sent me. 

The fact that ChexSystems XXXX are resisting proving PROPER proof according to FTC standards is raising other issues, including, but not limited to FCRA 623. 

My request remains..proove it or delete it. 

I am forwarding a copy of this to the following : cc : Office of the Comptroller of the Currency ( OCC ) OCC XXXX XXXX XXXX, XXXX, XXXX. XXXX : XXXX XXXX XXXX XXXX., my attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX

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. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name

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 09/30/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (KS).
Issue: Managing the loan or lease

Complaint: Financed a vehicle from XXXX XXXX with Ally Auto. Last payment was in XXXX 2015. The bank has still not sent a copy of the Lien Release to KS Dept of Revenue / Titles and Registration. Vehicle was involved in an accident and totaled. XXXX will not settle claim without Title. Contacted customer service on XXXX XXXX and was told it would be faxed within 24 hours. It still has not been received to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I submitted an application with Caliber Home Loans ( working with XXXX XXXX and XXXX XXXX ), and was locked into a mortgage at 4.625 %. I 'm buying a condo as an investment property, and they failed to even think about checking the percentage of owner occupied units in the condo complex until a week before I was to close.
On Mon. afternoon ( XX/XX/XXXX ) they dropped the absolute bombshell that I could n't be offered the loan at 4.625 % any longer because the percentage of rentals in that complex was too high ( at 61 % ). So, they moved me into another 'program ' they have ... at a whopping 7 3/4 %!
They should have done this research in the very beginning because I can assure you, I would n't have gone forward with their mortgage. But, to completely pull the rug out from under me within a week of closing ( XX/XX/XXXX ) is absolutely unforgivable ... and ought to be criminal if it 's not. They should have to live with the rate they locked me into!
Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Benuck & Rainey, Inc. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by Benuck and Rainey who purchased a debt that I owed to XXXX. When I answered the call, it came from an unknown number and the caller said they have been trying to reach me about a debt I owe. I asked who he was with and he told me Benuck and Rainey. He then proceeded to tell me that they are a collections company that also handle litigation. I asked again, who are you and who are you with. He said, we are handling a debt and we are essentially a law firm who also handles collections. After looking them up, I found they are not in fact a law firm and he REFUSED to send me something in writing. He said they acquired my debt earlier this month and have already sent me a letter ... which I said I did n't receive. He refused again to send another letter and asked if I was ready to pay over {$7000.00}! I believe the initial loan I took out was around {$3000.00}, I had paid about {$3000.00} of the debt but because of the HIGH interest rate and late fees they claim have been added up, I owe another {$7000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was in need of a new AC unit and contacted XXXX XXXX XXXX of XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through XXXX XXXX. I received an information packet and credit card via XXXX XXXX. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX   claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front.

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX  of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.

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 07-12-2017 about Vehicle loan or lease (Loan) with Go Capital Holdings, LLC (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The vehicle was repossessed XXXX XXXX. According to NC repossession laws, Go Financial was supposed to notify me at least five days prior to the sell of the vehicle, notifying me of the auction date, location, and time. After the vehicle was sold I was also supposed to receive post sale papers notifying me of the price the vehicle was sold. I have not received any correspondence from this company until I filed a dispute with BBB explaining the unlawful sales practices of Go Financial. I received a phone call from a representative onXX/XX/XXXXwhom verified that there were at least 3 discrepancies in the final price of the vehicle. However, Go Financial is reporting an unvalidated amount on my credit file with all three credit bureaus.

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