milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. 
This was scheduled to be on record until XX/XX/2017.

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 11/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX several occasion I have contacted TransUnion LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX XXXX XXXX credit cards, XXXX XXXX bank XXXX credit card, XXXX XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are 100 percent accurate, TransUnion still reports these negative information on my credit report. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that TransUnion is stating that allege debt has been verified. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with PINNACLE RECOVERY, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: We bought a Timeshare at the XXXX XXXX XXXX, XXXX XXXX XXXX, thru a Timeshare Resale company. The property was paid in full. Used it once, not what we thought it would be. We offered the company to take back the property totally free, we just could not keep paying the Maintenance & Taxes. They refused. 
We stopped paying the M & T and eventually they sent it to Pinnacle Recovery , Inc for collection. This happened so long ago that I do not have exact dates. However this debt is way past the Statute of Limitations and should not be pursued anymore, much less putting it in our credit report. This could not be happening at a worst time since we were just approved for a mortgage and there should not be any significant changes in our credit scores.The daily calls and frequent letters also became very annoying. 
Please help us resolve this as quickly as possible for we do n't want this to interfere in our new home purchase. 
Thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I live in a house in XXXX XXXX XXXX, Florida, and have been here since XX/XX/XXXX. I always pay mortgage on time, even during XX/XX/XXXX-XX/XX/XXXX period when over half the houses on my block were empty due to the financial crisis. In XX/XX/XXXX after Hurricane Irma my small business and house took on financial as well as property damage and I learned about contacting my mortgage company for a 90 day forbearance to get myself caught up. I called XXXX XXXX, who is my mortgage company, and had several conversations with their representative, who explained there would be no late fees and penalties for 90 days at which time I would be responsible for the amounts due, they even told me to try to pay what I could every month so that there would not be large number due, which I did. I am completely even at this time but they have put a mark on my credit score saying I've been late. when I contacted them they said they have no record of my request but that it does show I called in XX/XX/XXXX ... they have no reason listed for my calls ... .maybe it was about the XXXX XXXX! I have since talked to other people who have the same experience with XXXX XXXX..AKA XXXX ... AKA XXXX XXXX XXXX , one of the largest bailout recipients. They're doing the name change shuffle. This forbearance is a federally funded program and I have a FHA loan. It's bad enough to go thru Hurricanes and loss of business, they should have told me they wouldn't honor this program and I would have borrowed funds from a friend or something else. Can you help or is this the way corporations are allowed to operate? Thank you for listening.

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 02-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: Coinbase locked me out of my account for more than a month and does not allow me to even close the account.

I opened Coinbase account on XX/XX/XXXX, and bought total of {$6000.00} bitcoin. Then in XX/XX/XXXX, Coinbase started requesting additional authentication by first requesting the photos of my driver license. I tried more than a dozen times over the next several weeks to do this with no success. Ive been locked out of my own account ever since.

Then it requested the XXXX   authentication, which still didnt work even if I again tried for many weeks at different times until now. My XXXX authentication works well everywhere else.

I have sent many complaining e-mails during the past month but received only what appeared to be a computer generated generic responses. Frustrated and suspicious, I have demanded that Coinbase simply close my account and return the balance but Coinbase wouldn't even allow this by saying that I need to log in and close the account myself. How can I do this when the very reason I want to close the account is the inability to log in? Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Sallie Mae, I have received upwards of XXXX calls per day from Sallie Mae through automated call systems despite explaining my situation and conditions to Sallie Mae. These phone calls are harassing and threatening the viability of my cell number. I ca n't leave my phone on and may miss important calls due to this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with EdFinancial Services (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The principle on the student loan is never reduced even though I make a larger than scheduled payment amount. I have called and asked, they said that this was just deferring my current statement due date. What I want is to pay my loan principle. This should be illegal, as they are charging me interest on the full loan amount, and not the decreasing balance which should be reflected in my additional payments. As of my last statement it says that the current statement due date is XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Portfolio Recovery from phone number XXXX continue to call my personal cell and my work phone. They are trying to collect a debt that was paid SEVENTEEN YEARS AGO. I ask them to stop calling and they become belligerent, hostile and tell me that they will not stop calling until I request they stop in writing. I have not given them my personal cell or work number and have no idea what illegal methods they used to obtain my numbers. They can not collect a paid debt from 17 years ago. They continue to call me a liar and claim I owe the debt and attempt to brow beat me into paying a debt I do not owe. XXXX from Portfolio Recovery just called my work phone at XXXX XXXX on XXXX/XXXX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2016 about Consumer Loan (Title loan) with TMX Finance LLC (GA).
Issue: Lender repossessed or sold the vehicle

Complaint: I confirm that I do owe a past due balance, along with the repossession fee. And I have waited for two weeks, but I keep being told by the branch manager that he has n't heard from his district manager yet as to the exact dollar amount I owe? My only request to resolve this matter is to be told what amount will satisfy this debt so I can retake possession of my vehicle before it is either sold or salvaged.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (I do not know) with Nations Recovery Center (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On first contact, I informed representative I could not have these calls at work. He continues to call on a regular basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Debt collection (Other debt) with Bristlecone, Inc. (KY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX IS THE NAME OF THE COMPANY, I WAS TOLD MY LAST PAYMENT WAS XXXX AND I PAID IT, NOW THEY SAYING IT WAS XXXX DOLLARS, AND THIER IS A XXXX DOLLARS LATE CHARGE, I TOLD THEM WHAT I PAID CAME FROM YOU GUYS TELLING ME THAT, AFTER THAT THEY CALL ABOUT 3 TIME A DAY TRYING TO COLLECT, I TOLD THEM AND EMAIL A STOP CALL LETTER BUT THEY SAID SINCE I OWE A DEBT THEY GOING TO KEEP CALLING

Company response to consumer: Untimely response
Consumer complaint received 06/20/2017 about Debt collection (Medical debt) with RMB, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I got a Final Notice in the mail today from RMB Inc, stating that I have chosen to ignore their previous communications for a debt collection in the amount of {$670.00} ( for XXXX XXXX XXXX XXXX, ie XXXX XXXX XXXX, rendered on XXXX/XXXX/XXXX ), which is false. Not only did I pay what they said I owed in the amount of {$490.00}, but I promptly corresponded each time I received a notice. On XXXX XXXX, I mailed out a letter to their XXXX address ( at XXXX XXXX XXXX XXXX ) attempting to dispute the validity of the debt, as I contacted their billing offices upon receiving their bill, and in which XXXX XXXX XXXX XXXX stated that they would accept a 40 % prompt pay discount in full in consideration of my uninsured status ( as paid on XXXX/XXXX/XXXX ) ; RMB Inc ignored this letter and sent another debt collection notice. I 'm enclosing proof of payment as well as the bill and email regarding billing, saying it would be resolved. The date of the emergency care was at a time too where, to my knowledge, my XXXX insurance was still active. I am now covered by XXXX XXXX XXXX ( XXXX XXXX XXXX plan ). Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On XXXX XXXX 2016 at XXXX am i received a phone call from debt collector call National credit systems inc. That lady call me ( XXXX ) she told that she called about a debt that I own XXXX apartment i told her that I do n't own XXXX apartment and i told her what is the debt about and she said that for carpet removed and painted the apartment i said i do n't think so cause i do n't own them and told that what argument I have to support my case, I did n't gave her my arguments because she talked like the XXXX XXXX office. After a week i received a letter from that debt collector, i call to dispute the case right away and i received that same lady name above she forced me to give her my arguments explain to her A thorough Z to support my the case. She put me on old and never came back i hang up the phone after a hour i call back and she changed everything everything about the debt i said ok send me the document that XXXX send to collect the debt and she says no she ca n't send to she says that she gon na send me another letter to send her document to support my statement and i told her XXXX did n't gave me that option to have those documents. ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with Earm LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: ON XX/XX/2015 my son was left a message on his cell phone from these people about contacting me they said for him to contact me because i was being served with papers from my state with XXXX allegations to be filed against me legally, they will pursue me at my employment or house.. and to contact their legal department. they have also left the same message on my cell phone

Company response to consumer: Untimely response
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the XXXX breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.

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 12-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.

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 11/16/2015 about Mortgage (Conventional fixed mortgage) with PULTE MORTGAGE L.L.C. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I was pre-approved by Pulte Mortgage to purchase a home from Pulte homes. ThisThis pre-approval was based on me fulfilling several things. My incomeneeded to be verified, I had to defer my student loans for a year, and I needed tpay off XXXX credit cards. I paid XXXX payments of {$500.00} each to Pulte as a downpayment and they told me my house would be complete by XXXX orearlier, but then told me it would be XXXX. I had picked a base modelthat only had some cosmetic changes like flooring and cabinet color. Thehouse was framed when I started losing hours and was afraid of losing my job. 
I immediately started looking for a new job so that I could still buy the house. Iended up losing my job and informed Pulte. I did get hired a week or so later, and would be starting a new job for less pay about 2 weeks later. I was toldby Pulte Mortgage that I would not be approved because of switching jobs andmaking less money. They told me I could apply with a co-signer but may stillnot be approved. I was told by Pulte homes that they were not returning my {$1500.00} because my mortgage was approved and I had defaulted. I neverreceived anything from Pulte Mortgage that I was approved and they hadnever even verified my income. I was also not able to pay off the credit cardsdue to reduced income because my hours were cut and I was makingpayments to Pulte. I also had yet to receive anything from my student loans toshow that they were deferred. During this time I received a call from Pultestating I needed to pay {$500.00} for an appraisal on the home. I told her I didn'thave {$500.00} and she said I could use a credit card. I told her I needed to payoff the credit card as a condition of my mortgage. I was told there would be no cclosing costs and did n't understand why I had to pay for an appraisal on ahouse that was n't even built. I asked Pulte Homes for my money back andwas told that they did n't have to return it because my mortgage was approved aand I was in default. I explained that I was only pre-approved and was n't able tto meet the conditions of the mortgage. I was left with no job and no money. 
Pulte offered to put my money toward the purchase of a home at a later date, but I will never buy a house from them. I just want and need my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with ARVEST BANK GROUP, INC. (KS).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX I checked my Arvest checking account online and had two transactions pending but these did not overdraw my account. They were both automatic withdrawals and I'd received emails from both companies stating that they had successfully withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX. I shopped at XXXX and overdrew my account. HOWEVER, Arvest waited till XX/XX/XXXX. to post all 3 transactions so that I had 3 overdraft charges. This is not the first time they have done this to me and therefore they get as many overdraft charges as they can. I've tried to talk to customer service about this but they tell me it all depends on when the companies state they want their money. None of that makes any sense to me. 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 01/20/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Ref : CFPB Case # XXXX It is requested the closed referenced case be reopen. My reason is as follows : Zales or XXXX XXXX has not responded to me other than what XXXX XXXX sent to CFPB indicating they would conduct an investigation. Nearly ninety days has come and gone and not a word from XXXX or Zales as to the results of their alleged " investigation. '' However, I am nearly 100 % sure XXXX will note, as in the past, they sent me a letter but I have no record or ever receiving a response to their investigation and I keep excellent records. 

It is requested CFPB become involved and determine if I may have some closure to the issue previously contained in my complaint to CFPB ofXX/XX/XXXX, 2017. If XXXX XXXX has not issued a credit to my Zales credit card account and they have denied my claim, I will need their response if I plan future recourse through our local courts. 

I am almost certain that I can not be a lone wolf that is receiving the disrespect and poor customer service from Zales and XXXX XXXX. The two entities lack any compassion for their extremely poor customer service or customer satisfaction ( please refer back to my original complaint ). 

Thank you for reading and assisting me to achieve my original goal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been with Beneficial since 2007. I have refinanced a few time and received a loan modification back in 2007. I have asked for them to refinance my home because the interest rates sits at XXXX percent. When I make my payments which are XXXX monthly, XXXX is the mortgage payment but the interest is XXXX while the actual principal is only about XXXX per month. They are hitting us with unreasonable interest rates. I would like my interest rate reduced so I can afford to make the payments. The other charges are fair and are for property taxes paid. They also charge XXXX late fees per month if you are 11 days past due which is also unfair. 

If they modify and refinance our interest rate our loan will become more affordable. Their only options are to defer payments or to foreclose which is also unfair practice. 

They also frequently change Mortgage Servicing Specialists. Each month I get a letter stating I have a new specialist. 

Because of not so good credit and us owing XXXX on the house with it only being worth XXXX we do not have the option to sell it. 

Would like to see them at least let us refinance at a lower interest rate. I feel like they are just stealing our money with their getting so much in interest. 

My account number is XXXX, please help.

Company response to consumer: Closed with explanation