milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and TranUnion, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a chapter  XXXX  bankruptcy in   XXXX   I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus transunion and  XXXX  refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.

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 07-01-2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (CA).
Issue: Applying for a mortgage

Complaint: Ditech refuses to subordinate their position in order for us to secure a Harp  Loan  from  XXXX   XXXX  through the Harp  Loan opportunity. They want us to pay for an appraisal plus bring {$7000.00} to the closing. We were already approved for the Harp Loan without an appraisal. We do not have {$7000.00} to bring to the closing. Ditech is holding us hostage by not remaining in second place for our mortgages. Ditech 's interest rate is 8.75 % and our first loan now is 6.75 %. We were able to qualify to lower our interest rate to about 4 %. This is awful that they are doing this to us. We were almost done with our Harp Loan. They ( Ditech ) is preventing us from continuing with our Harp 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 10/25/2017 about Debt collection (Medical debt) with ERC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: at XXXX XXXX. i received a phone call from enhanced recovery at XXXX XXXX giving me a phone number which being the same as above, with a medical number of XXXX stating that this was a debt collection agency, when i called to the number to complain they want me to sign up for a free florida vacation. If you answer the questions to satisfy them they switch you to a XXXX XXXX talking about the free vacation. I told them i received a phone from enhanced recovery and had a reference number stated above and they hung up. This telephone number calls my phone numerous times a week, so i decided to return the call and found out it was fake, i would like to have this business checked out, i am on the do not call list, thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Experian requesting validation of an inaccurate item on my credit file. The letter included the very pertinent information as they themselves use. If Experian is not able to identify me by the very information that they are allowing an alleged collector to use in order to make a claim, how could this be considered fair credit reporting practices? 

Instead of validating the item in dispute, Experian replied with a request for unreasonable and unnecessary personal information from my personal files, such as a copy of my drivers license, utility bill, bank statement, social security number, complete spelling of my name, and addresses for the past two years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2014, I completed a form on XXXX 's website to explore possible bundling of services for cable, internet, and phone. I never received a response to my inquiry so I elected to keep my phone and internet with XXXX and set up cable with XXXX. Later, a technician from XXXX came to my house. I was not at home and my young son opened the door and allowed him to enter our home. My son told him that his parents were not home. Shockingly, the technician stayed in my home with my XXXX year old son. The technician plugged a modem in our sunroom which resulted in us having no phone or internet service. I contacted XXXX immediately to report this travesty. An agent assured me that someone would come out to repair our service. XXXX never sent a technician. I continued to call XXXX many, many times about this problem. Each time, the agent told me that a technician would be dispatched. It never happened! Thankfully, XXXX was able to repair the damage caused by XXXX. I was furious when I received a bill from XXXX. Not only did I never receive any service from XXXX, but we had to pay XXXX to repair damage done by the XXXX technician. When I rightfully refused to pay XXXX any money, XXXX contracted with a collection agency. XXXX never followed up on any of my phone calls and never sent a technician to repair the damage caused by its techician. 

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 08-01-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Last fall Champion Mortgage ( Reverse Mortgage ) paid my back taxes I was not able to pay due to being in the hospital 7 times for different issues. They notified me that my house was going into foreclosure. XXXX XXXX 's office put me in touch the XXXX Legal Aid. They got foreclosure date moved out to XX/XX/XXXX 2018. I use to work for a mortgage company and noticed a lot of questionable charges on the balance I was owing. Like drive by appraisals at {$20.00} each and full appraisals of almost {$500.00} each. I requested Legal Aid contact Champion Mortgage to find out who and when these appraisals were done. Legal Aid had made several requests to Champion Mortgage for this information, and at first told them it was in the mail. Legal Aid never received the requested information from Champion Mortgage. No one has ever come to my house to do a full appraisal. I would still like to know the date, person who supposedly did them. Also, once a year Champion Mortgage will mail out a verification of ownership to me, to sign, date and return back to them in their envelope, which I have always done right away. I will always received a " 2nd Request '' a month later asking for the very same thing, I mailed back a month before. This year they stated they sent a verification of ownership in XX/XX/XXXX, which I did not received. In XX/XX/XXXX I got a " 2nd request '' again, only I never received the 1st request. I signed and dated it and mailed it back the same day. In the body of the letter, they state if they do not receive it within 30 days, they will send out someone to do an " appraisal '' and charge it to my account. They had contacted neighbors asking personal questions about me, and if my house is being lived in or boarded up. They neighbors have complained to me about these phone calls. I did not want everyone in my neighborhood to know about my personal business. If they were doing the appraisals, like they say they are, they would know that I am living here, and the house is not boarded up. That can be verified with Legal Aid also. I would like to know when these so called appraisals were done, by who, and who they spoke to at my house. I am the only person who lives here and I have never spoken to anyone or let anyone in the house from Champion Mortgage. I feel this is a very dishonest company and very difficult to work with. I had a difficult time with them, and now Legal Aid is having a hard time working with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Upon reviewing my Experian credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, 1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

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 07-06-2017 about Debt collection (Other debt) with Maury Cobb, Attorney at Law, LLC (HI).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have been sent to Maury Cobb Law services for an account at XXXX and this company started to call me non stop.When I called them back, XXXX, XXXX of the agent said we can settle it by making the monthly payments.I really wanted to clear off my balance but only can afford $ XXXX monthly until I pay off my {$6000.00} past due.For fee months I was making regular payments until they offered me a settlement amount.The only thing is, I could not come up with another {$1300.00} immediately so they have not stopped calling to collect the remaining payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have an open case against Citibank # XXXX. Today XXXX, XXXX, XXXX I called Citi because the monthly ACH of {$70.00} which is deducted from my bank the XXXX of each month had not occurred. I was told it was and should show up tomorrow. In addition I was also informed the balance was {$620.00} a far increase from XXXX XXXX when it was {$540.00}. 

The case # XXXX was open because Citi stated the account was 169 days past due which was ludicras! The account has been closed since XXXX. I also received a message from CFPB recently that Citi is now researching and will take 60 days.

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I divorced my husband into XX/XX/XXXX. In the divorce, he was given the responsibility of closing the Citibank checking account and overdraft protection {$500.00} line of credit account. My former husband stated he had closed the account into XX/XX/XXXX. In XX/XX/XXXX, I applied for a mortgage and found at the Citibank line of credit was maxed out and went into collections. I immediately called Citibank, NA. Citibank confirmed they had never contacted me to inform me of the debt, only my former husband at his residence. ( I later found out he filed bankruptcy and included the Citibank debt. ) XX/XX/XXXX, I paid a negotiated sum of {$200.00} to cancel the debt. Since XX/XX/XXXX, my credit report shows a {$0.00}, paid in full but is being reported monthly as late. The late reporting on {$0.00} balance is affecting my credit, my credit score, ability to borrow money, costing me higher interest rates and time off work to dispute this incorrect information. I have contacted Citibank by phone and email on numerous occasions without success ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I phoned and emailed Citibank XXXX which was listed on my credit report, again without success. Please help me remove and stop the late payments on the Citibank account with a {$0.00} balance.

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 07/22/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: These derogatory reports were medical bill that my lawyer was supposed to pay. When these reports showed up on my credit report I paid them right away to preserve my good credit. As my credit report shows I pay my bills on time 100 % of the time. These reports need to be eliminated because I was not aware my lawyer had nor paid these bills ( the total medical bills to be paid are {$10000.00} ). I want these derogatory reports removed as they are not due to any negligence on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: In XX/XX/XXXX I disputed a collection that was being reported on my credit report by XXXX XXXX in the file that Equifax maintain under my social security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to sub paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Good Morning, I hope that this email finds you well. I need help with a dispute with American Express that I have been having since XXXX. 

I made an ACH payment to American Express on XXXX/XXXX/2016 in the amount of {$410.00} and the payment never was applied to my account. American Express has informed me that they have found the transaction but they have also informed me that they ca n't find the transaction. They keep closing the the investigation. I have proof from my bank XXXX XXXX and American Express that the payment was made and received but the payment is not being reflected on my account. American Express claims that I made a payment on another card members account which i never would have done because my account is a corporate account used for Travel Expenses for XXXX. 

Can the CFPB assist in this matter? I have been dealing with American Express for nearly 4 months. 

My Best XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have deragatory marks on my credit report that I am disputing because they are false. The amount of debt they are claiming I owe is {$1100.00} I have paid and continued to pay the direct physicians office on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted them directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Receivables Network (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX collection agencies ( each saying they represent XXXX ) contacted me on the same date regarding the exact same account. XXXX by phone, the other by letter. Does the FDCP Act allow that? How am I supposed to know who to deal with? I dispute the charges to begin with. Is it my burden to dispute the matter with XXXX collection agencies? What if I settle with XXXX and the other keeps hounding me?

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , MO  XXXX  Phone : (  XXXX  )  XXXX  Has reported a totally FALSE debt on my credit report. Here is the explanation to  XXXX , the credit reporting agency. This is NOT MY DEBT. It does not belong to me. There is no verification or proof that shows that it belongs to me. This is a SCAM. They have DINGED MY CREDIT REPORT WITH BOGUS INFORMATION.     Midwest Recovery Systems, LLC ; Collection Reported  XXXX  ; Assigned  XXXX  ;  XXXX   XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX   XXXX  ; Amount {$850.00} ; Status as of  XXXX  Unpaid ; Date of 1st Delinquency  XXXX  ; Balance as of  XXXX  {$850.00} ; Individual Account ; Account #  XXXX  ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  : (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. Someone stole and used my personal information to open up a credit card account with Bank of America. The account is unauthorized and fraudulent. I have never applied for a credit card account with Bank of America.

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 03-07-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Porfolio Recovery Associates have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (OH).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase - GDAX. 
On XX/XX/XXXX I initiated a trade on the platform which I have been an active user of since XX/XX/XXXX. When I tried to make a trade I received a notice saying that transactions have been XXXX. My account froze and I am no longer able to access it at all. 
I called customer support and was told that they don't know why, they are Coinbase support and not XXXX but they would escalate it and email me the phone number of XXXX support. The email I received reads as follows : Case # XXXX Hello, and thanks for reaching out. 

Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

You will receive a notification email if were able to restore your purchasing ability. Please note that while these reviews are typically completed within XXXX business days, it can sometimes take longer depending on our current case volume. 

For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility. 

Thank you for your patience and understanding as we complete this review. 

This morning XX/XX/XXXX - I called support again and was told they had no answer. 




As of now - I have no access to the funds in my wallet- ( {$12000.00} ) and I can not get an answer from anyone as to why - when I did nothing out of the ordinary to trigger this activity.

Company response to consumer: Closed with explanation