milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This complaint is concerning collection calls by First Horizon/First Tennessee Bank regarding a HELOC ( Home Equity Line of Credit ). We thought this was a mortgage loan ; however, we are being told that it is treated as a credit card debt. 

In a previous CFPB complaint dated XXXX/XXXX/XXXX, we explained that we have only Social Security as income as a result of layoffs. We applied for this HELOC, in good faith, XXXX XXXX, XXXX. We 'Paid as agreed ' until XXXX, XXXX, after we had been unsuccessful in finding new employment after layoff ; we notified First Horizon/First Tennessee that we would attempt to sell the property. 

We received an email from their Consumer Loan Servicing Department, with text highlighted in bright yellow, saying, " The offer must net a minimum of 40 % -60 % of our mortgages current principal balance to be considered. '' Our Realtor said that the real estate market could not meet that requirement. 

Our credit report indicates that this HELOC was 'charged off ' by First Horizon XXXX yet, they continue to call. I notified them in writing that we are seniors with only Social Security as income. It was explained that we could not afford to pay off this loan, so why keep calling? Their written response says that they have the right to continue calling in an effort to collect. 

I have a log of their phone calls from XXXX XXXX, XXXX to XXXX XXXX, XXXX which include calls on weekends and a call on XXXX XXXX, XXXX. As their letter stated, they are within their rights to attempt to collect. Nevertheless, our income has not changed and we are seniors. When we lost employment, several loans were placed in default ; however, First Horizon is the only one still calling. Is it not enough that these loans appear as defaults on our credit report? There is no justification for these calls, and it begs the question as to whether all of the Social Security seniors who are in default receive collection calls, or is it only select ones? The loan has been charged off, we have no earned income, and we request that the calls stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ) .   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 explanation
Consumer complaint received 08/21/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I submitted a wire transfer in the amount of {$5000.00} on the morning of XXXX/XXXX/XXXX from my bank ( XXXX XXXX ) to Coinbase, Inc. ( XXXX Account ) Coinbase, Inc XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXXXXXXXXXX I followed the wire transfer instructions exactly as outlined on the CoinbaseXXXXXXXX website, however, it is now the evening of XXXX/XXXX/XXXX and Coinbase has yet to credit my account with my wire transfer. XXXXXXXX XXXX lists the wire as " Completed '' and provided the following reference and XXXX numbers : ONLINE WIRE TRANSFER VIA : XXXX XXXX XXXX : COINBASE, INC XXXX XXXX CA XXXX XXXX REF : XXXX XXXX : XXXX TRN : XXXX XXXX OUTGOING WIRE TRANSFER - {$5000.00} Both XXXX and Coinbase state the wire transfer will be completed and posted to your account withing the same business day if completed by XXXX EST. It has now been 3 business days. I have e-mailed CoinbaseXXXX support multiple times and have only received automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (I do not know) with U.S. Auto Credit Corporation (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I keep receiving calls for an individual that has NEVER LIVED or resided or even visited me in my home - I have REPEATEDLY asked for this collection company to remove my number from their call list ( XXXX ) - I get at least XXXX to XXXX calls per week for a niece that I HAVE NO CONTACT WITH and that resides somewhere in XXXX Tennessee - I live in XXXX CAlifornia. This has been going on for several months. 

This morning was the final straw. I received a call at XXXX yes XXXX in the morning on XX/XX/2017 from telephone XXXX WAKING UP MY ENTIRE HOUSEHOLD .... I have young children, and it just so happens that my entire household is ill with the XXXX and I had just got everyone to sleep at XXXX am after bouts of XXXX cool baths and medication administration and breathing treatments ... THey had only been asleep for approx. XXXX hours ... so when this CALL came in at XXXX am - I answered thinking that it was an emergency call from a family member ... HOW WRONG AND IRATE I became. 

I requested the name employee number and corporate telephone number and corporate name from the person who called me - SHE REFUSED saying I could talk to her supervisort -AFTER XXXX minutes waiting I spoke with a XXXX employee of XXXX who stated that the call number they use is XXXX ( not the number on my call log ) .. I advised that they were outside of collection call guidelines by calling me WELL BEFORE XXXX am in the morning which is normal for their company and that I had previously advised at LEAST a DOZEN or so times within the last couple of months that the person they are looking for does not and has never resided in my home and does not even RESIDE In the the state of XXXX. - he said it was a mistake - that the file does indicate DO NOT CALL- I advised that is what I am told EVERY TIME They call. Oh sorry XXXX - we do have do not contact for your phone number. I had advised previously that I was going to contact legal representation for harassment. 

What can I do to BLOCK this company from EVER contacting me again? - I need to put a stop to their ILLEGAL tactics and also they have divulged information about my niece and the DEBT SHE OWES - which is also illegal - telling me to just tell her to pay her bills and I would not get calls like this. THis is when I went off - this is not my debt nor do I have a relationship with my niece - SO WHY IS IT my responsibility to tell her to do ANYTHING. I did not give her the credit or money - so therefore it is ILLEGAL for them to give me the information that she has defaulted on her obligations, NOR DO I CARE. The file name they have for her is XXXX - she can be contacted at the following number XXXX ( the last known contact per her brother ) and resides in XXXX Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 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: Account status incorrect

Complaint: I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX XXXX and on XXXX XXXX, XXXX a Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX PROPERTIES ( a separate and unrelated entity from XXXX XXXX XXXX is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX PROPERTIES. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the XXXX 's XXXX attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX PROPERTIES have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX PROPERTIES. This account was NEVER past due, delinquent or defaulted upon.

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 12/17/2016 about Credit card () with DISCOVER BANK (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received my credit report and Discover Financial Services account number XXXX is on my credit report. I did not open this account this is a fraud account. I have a fraud alert on my credit report I have talk with Discover and ask them to validate this account and to provide me with proof that this is my account. they will not provide me with any proof that I open this account this account will not verify the account please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I applied for a car Loan on XX/XX/XXXX and my credit file was blocked, was not provided to the dealership, however other credit reports where provided by others. You provided information that my file had insufficient information. I filed a dispute. You stated " Equifax has reviewed your complaint and its records regarding your dispute. You had a security freeze place on your credit file XX/XX/XXXX and you requested it to be deactivated on XX/XX/XXXX. If the dealership tried to accessed your file it was blocked at that time. A copy of your Equifax credit file has been mailed to the address listed on your file ; please allow 7-10 days for delivery. Please visit us at www.Equifax.com/personal to learn more. " However you are ignoring the fact that you said the freeze was removed, but it was in place on XX/XX/XXXX. Why did you refuse to provide my credit report? There was no freeze per your own account above. I have full copies of your response to the inquires. They do not say a freeze they say insufficient information, Since you will not respond here and are still blocking my report, I assume, but will pay someone today. I guess the next step is a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with FirstPoint Collection Resources (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS MEDICAL BILL WAS COVERED BY A WORKERS COMPENSATION INJURY, THE HOSPITAL HAS BEEN PROVIDED WITH ALL THE NECESSARY CLAIM INFORMATION.THEY HAVE SENT IT TO A COLLECTION AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Other mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A modification package was submitted to the servicer on XXXX XXXX. Confirmation of the document was received via email, please see attachment. On XXXX XXXX the file was opened, please see attachment. A letter was generated XXXX stating that the financial package was received, please see attachment. On XXXX XXXX an email was sent to the servicer requesting an update on the file as well as an update on the sale date. Later on in the day a message was received via email stating the file was denied the previous day from a different party within the institution. See attachment. The package was sent in 9 days before the sale date yet the servicer is now refusing to review the file per the letter. The file was already in review per the letter that was sent out acknowledging the documents.Per the servicer portal website, work was still being done in the file as of XXXX, Please see attachment. 
On the XXXX " Servicer '' has confirmed the above mentioned borrower and location is currently " Under Review '' for any/all loan modifications in accordance with but not limited to HAMP Tier One, HAMP Tier Two, or any available " In House '' modifications. HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following : XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. 
It is very apparent the servicer would rather foreclose on the home then move forward with the review to retain the home. The events described are just a sample of the practices that are taking place at PHH. PHH is more interested in foreclosing and selling homes at auction to make a profit. It appears that PHH 's lack of participation in a meaningful modification review of the file indicates a preference to profit directly from the homeowners hardships. Furthermore, the numerous times the homeowner has spoken to the PHH should extinguish any opportunity to excuse PHH 's behavior. 
At this time we are demanding a postponement of the sale date or the homeowners will assert their legal right and name PHH and XXXX XXXX as defendants in Civil Court.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: Got a Citi Card back in 2007 and they have been charging me for credit protection fees. Called and cancelled and asked that the credit my account all of the charges that they have been charging me for the service. They stated that they will cancel the service however, cant guarantee that I would be issued a credit for them charging me all of those years. I need help with getting them to refund my card all of those charges since 2007. I have been reading articles showing that Citi bank is supposed to be refunding their customers for fees for services like that. Can you please help me?

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 12/24/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My property management placed the judgment for a debt with a debt collector and reported the debt to XXXX. I have disputed the amount of the debt with XXXX who rejected my dispute. 
The court judgment amount is for {$2900.00}, which I am willing to pay. However, the collection amount placed by property management is {$10000.00} which is not allowing me to seek financing to purchase a home and overall has fractured my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After reviewing my credit report I have found an collection account listed as NCC BUISNESS SERVICES collections with the account number XXXX in the amount of {$1400.00} of which I was not aware of. I have never had any business dealings or communication with this company so there is no reason for them to be reporting an unpaid collection on my report.I did not receive any correspondence from this creditor prior to the posting of this collection on my credit report, in fact I just received a letter from XXXX dated XXXX XXXX, 2017 giving me 30 days to respond and rectify this account. Well as you can guess it has not been the allotted 30 days for me to respond and it already has been posted to my credit report. So, they should not have posted this account to my report for the reason of not giving me adequate notification to respond to the 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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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 disputed a judgement with Equifax case #  XXXX  that was reporting inaccurate. Equifax sent me my results back as the item had been deleted.  Three days l ater I checked my report it was still showing inaccurate. I called Equifax to see what was going on. after been on hold for over an hour with the first rep, then she transferred me to the mixed dept after going back and forth with the Rep she then refused to let me speak to a supervisor. She came back on the line and said that the supervisor stated that the results we 're sent to me in error they we 're not complete. I then told her that they we 're out of the 30 days window. She then reply that there was nothing she could do that the results were complete.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a debt collection letter XX/XX/XXXX for a debt from XX/XX/XXXX. This was the first I was ever notified of an outstanding debt, despite living in the same house until XX/XX/XXXX. I called CFSI to dispute the debt, and was treated very rudely and told to pay the debt. I requested CFSI verify the debt and the phone rep hung up on me. I called the original creditor, and was informed they did not show any outstanding balance or debts. I sent a certified letter to CFSI relaying this information and again requesting they validate the debt. Within three weeks of the date on the notice from CFSI they have already contacted the credit companies, yet not contacted me to confirm or deny the validity of the debt. There has not been any attempt to settle this matter, they are using strong arm tactics to get money any way they can. This is not right, and I will seek legal representation to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Other debt) with Perfection Collection (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Perfection Collections has placed an account on my credit report. I have never heard of this company, never received any type of notice giving me 30 days to dispute the information before it was placed on my credit report. This company is a debt buyer that has bought a charged off account, and I have no legal obligation to pay them anything, I have no contract with this company, and do not owe the original creditor anything. I have asked for validation showing that I am legally bound to this company for the alleged debt, and they have not sent anything as requested via certified letter that was mailed to this company. I am demanding that this account be deleted from my credit reports. This is a clear violation of my rights under FCRA, and I am obtaining legal representation. I am in the process of buying a home, already obtained pre-approval for a loan, and now that this account has been placed on my credit report, we will have difficulty obtaining final approval, and we already have money invested, so I will be filing a lawsuit, if this account isnt removed from my credit reports, seeking damages for the money I will be losing because of this account being placed on my credit report, preventing me from now getting the mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Williams & Fudge, Inc (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, When I was a XXXX in XXXX XXXX, before my XXXX birthday, my XXXX XXXX   signed me up for a XXXX level class that I took online. Years later, I find the debt for the class on my credit report and am receiving bothersome calls from the collection agency. I never signed an agreement, but even if I had, I wasn't old enough to make an agreement to pay. I was in the public education system and I wouldn't have been able to consent to paying for a class. The debt collector is calling me constantly, has never provided any proof that I needed to pay or consented to pay for a class. I thought my school would pay for the class. My parents never signed an agreement either. Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Delinquent account

Complaint: I its my job. Fell begins my payments. Finally found a job. Trying to get a hold of Wells Fargo to make a payment. Wells Fargo had a message stating XXXXXXXXXXXX representatives can help me at this time. Yesterday at XXXX XXXX Wells Fargo credit line collections called and disconnected the phone as soon as they heard my name. Then Wells Fargo calls stating I am not answering. I have video recordings of the phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Payoff process

Complaint: I was told that I should apply for a carecredit card by my surgery facility in order to pay for my surgery and that many patients have done it before and are happy with the decision. My surgery was in the summer of 2013 and costed {$3000.00} but now since it is past the promotional period that I was not made aware of, the interest I pay on it monthly is 26 %. That is insanely high in my opinion. So now I have almost XXXX dollars to pay and if I continue paying the minimum payment, I 'll pay it off by 2020. I feel like I was fooled into believing that this would help me pay for surgery yet it has cost me so much more money than I can afford. I 'm a college student and can barely make it financially as is, but to have this kind of financial stress on me every month is too much. 26 % interest is a crime!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation