milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with GreenSky Trade Credit, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My problem is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX Having placed an order onXX/XX/XXXX {$4200.00}, it was stated that there was a 3 business day cancellation policy. On theXX/XX/XXXX ( XXXX XXXX ) I mailed a letter of cancellation to the above address, as directed in their instructions, called XXXX XXXX   ( the salesman ) and the local office ( XXXX ). At the end of XX/XX/XXXXI received a call about installation. Again I called the local office asking why they were calling me. I was told that they would check into the problem. Well in XX/XX/XXXX I received a bill from Green Sky, a loan program. Called them ( XXXX  ) and was told that only XXXX XXXX  could cancel the loan. Again, I called the local office. Then I received another call from their installers. Again I called the local number and was told that I would have to speak to the salesman. I called XXXX XXXX early in XX/XX/XXXXand he apologized for the delay and said he would take care of it. That was earlyXX/XX/XXXX. Well here it isXX/XX/XXXX, and I just received another bill from Green Sky. Please advise how I should proceed, and warn off other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: CitiBank Credit Card Company has reported some negative marks on my Credit Report regarding a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Medical) with ATG Credit, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 the company listed in the attached letter showed up with collection amount in my credit report. Since I had never had contact with the company I did n't know ( and I still do n't know ) the reason for the collection account. I called the company asking for a verification of the debt and instead I received a collection letter asking for payment but no validation of the debt. I sent the company a letter requesting verification of the debt. To this day they have not responded to my request. In addition, the company is not legally authorized to collect debts in North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX XXXX XXXX. File # XXXX. I was told via email on XX/XX/XXXX that Statebridge company has responded and needed more time to answer. A few days later I received a letter from XXXX XXXX XXXX also dated XX/XX/XXXX stating a Notice of Assignment, Sale, and Transfer. They sold the fraudulent mortgage off. It seems that they lied to this agency, while getting rid of the problem of a XXXX person. Had it not been for the letter the state accidently sent to my home informing me that a lien would be placed for non-payment of taxes, and that my name was not listed on the property but another company ( not XXXX XXXX XXXX ). I would never have known about the fraud they were perpetrating. 

They have also padlocked the property with my personal items in it as of XX/XX/XXXX and have yet to inform me via mail of their intentions to do that. When the company name is XXXX you can see multiple complaints as well as a class action lawsuit arguing their deceptive business practices to steal homes from unsuspecting people like myself. When they are revealed and reported to appropriate agencies, they quickly let go of the problem by selling it off to the next investor. While we think we are paying on a mortgage, we discover we are only paying investors. There is no assistance with obtaining homeowners insurance, or deeds to properties we are paying on.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 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 XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.

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 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called in onXX/XX/XXXXto report the Natural Disaster happening on XX/XX/XXXX that burnt down my warehouse and my Manager 's home. This was in the midst of Quarter 4 as I own a XXXX Company and went through Financial Difficulties as a result.

The supervisor representative agreed to remove : XX/XX/XXXXInterest Charge {$310.00} XX/XX/XXXX Interest Charge {$210.00} XX/XX/XXXX Interest Charge {$130.00} XX/XX/XXXXInterest Charge {$320.00} I called back on XX/XX/XXXXto confirm the removal and they stated 1. American Express has no records of the call 2. They won't remove the charges due to it not falling under Natural Disaster conditions 3. They stated address is not on file for that location but the problem is that I have many addresses and only giving them my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in my current home since XX/XX/XXXX. It was purchased jointly with my now estranged wife, she moved out of the home on XXXX XXXX, XXXX, due to our work schedules we never got around to filing for divorce. As the economy collapsed in XX/XX/XXXX, I lost my job and had to file for Chapter XXXX Bankruptcy, eventually converted to Chapter XXXX. In XX/XX/XXXX I was able to obtain a loan modification that knocked off approximately {$100.00} a month, and put me in a XXXX year loan. I was able to complete this loan modification with only my notarized signature. I XXXX in XXXX and filed for Social Security XXXX benefits, during this time I had zero income, I was on the XXXX program and I was able to apply for a loan modification with the help of my US Representative 's office as they contacted XXXX XXXX and XXXX XXXX eventually offered me a modification on a XXXX month trial period, which I completed and I finally received the paperwork to be signed, notarized and returned, only this time, they are requiring that my estranged wife, who walked away XXXX years ago, must sign the documents as well. They wanted the documents returned by XXXX XXXX, XXXX, which I was unable to do for the reason stated above. I spoke with my estranged wife and she has agreed to a simple, uncontested divorce and I am asking Citimortgage to extend to me the allotted time to complete the divorce as I have have continued to make timely payments, based on the proposed modification, yet they notified me that they have revoked the modification and will proceed to foreclosure if my account arrearage is n't brought current before the close of business on XXXX XXXX, XXXX. I have been stressing and fighting to keep my home for some time. I just want peace of mind and would like to stay in my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My I 'd was stole one te an some of the stuff on my credit report I never even heard of

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Payment to acct not credited

Complaint: On XXXX/XXXX/15 I borrowed {$3000.00} from the Cash Store # XXXX. 
On XXXX/XXXX/15 I went to payoff the outstanding balance with a cashier 's check but the representatives at the store would not take my payment stating that a an ACH had been processed on the same day for {$730.00} to my Bank account which they had not received confirmation if it was paid hence unable to give me a payoff quote. I went back to the store again on Saturday XXXX and Monday XXXX and they still would not take my payment. As result I incurred an additional {$180.00} in finance charges. Furthermore, I find it very deceptive to show an APR of 9.75 % on the promissory note yet there is an CAB fee which is assessed as a finance charge which increases APR to the unconscionable rate of 581.72 %. It cost {$2500.00} to borrow {$3000.00} for 43 days or so - outright exploitation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Whenever I attempt to make a payment over the required amount to Carrington Mortgage, it tells me that I can not make a payment over required amount. If I go to submit a payment after, it tells me that I can only make 1 payment a day. If I go the next day to make an additional payment to the mortgage, it tells me that I can not do any additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX University and XXXX XXXX back in 2009 and now they are no longer operating in Minnesota due legal or other issues.When XXXX schools closed, transcripts were sent to Mn XXXX. Mn XXXX ca n't find XXXX transcript 's, and XXXX 's credits are not transferable ( which when signed up for XXXX was told they would be ). Now I am stuck paying on a loan and nothing to show for it. Wells Fargo is servicor of my private Loan, and has excessed more than {$3000.00} fees on the loan, because they would not work with me, when explained I could n't afford {$500.00} a month for a payment and it went to write off/collections, the loan was only {$10000.00}. I asked Wells Fargo for a loan forgiveness a year or XXXX ago, due to the XXXX colleges closed in minnesota and XXXX college not being able to have access to transcripts and the other college not be able to use credits for classes taken. I had to start all over at another college because of all this, and with starting all over I now have student loan debt in amount of {$70000.00} for all XXXX schools combined. Wells fargo said nothing I can do, being its private loan. There should be the same options for private that are for federal, and people whos schools closed or other issue and now ca n't use credits or degree.These for profit schools get people to take out private loans because they convince them its needed to finish school. I was young when this happen, and not educated enough to not take out a private loan, or look furthering into fraud these XXXX schools were pulling.

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 06-01-2017 about Debt collection (Payday loan debt) with Big Picture Loans, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: A man named as XXXX XXXX, PH : XXXX from XXXX XXXX XXXX Reference No : XXXX and said he was an attorney. He called my employer on XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at XXXX XXXX have contacted me before at my employer workplace phone number to try collect on a payday loan with Castle PayDay Loans. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (WA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I 'm a user of cryptocurrency trading platform, Coinbase. I verified my account with my State ID card ( which the app and website confirmed ) and to this effect, I was granted increased buy/sell limits as well as a USD wallet. In fact, I was able to withdraw {$2000.00} from my XXXX XXXX account into my Coinbase USD Wallet. Prior this getting a USD wallet, I could purchase up to about {$2300.00} in cryptocurrency and now, I ca n't buy or sell any of my current cryptocurrency because it gives me an error about having to verify my SSN at XXXXXXXX. ( even though my State ID is verified and there 's no way I 'll get a State ID without SSN ). I have tried over 15 times to get that verified but to no avail. I terribly need the money or at least be able to make transactions on the platform and for about a month now, I ca n't do any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this loan was opened up in 2001 due to identity theft. 
ive been trying ; for years to ge this off my credit report. 
and reported it to social security administation since i lost my social security card. 
this account is not mine

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 02-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian keeps re-validating a charged off credit card debt since 2009 by allowing original creditor and the collectors it sold debt to renewing and changing the charged off date to be current instead of 2009. The debt is already past the statute of limitations and also the credit reporting time but credit bureau re validates it every year so it shows it just got charged off contrary to 2009.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Enova International, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed for bankruptcy on XXXX/XXXX/2016. Netcredit was included. The bankruptcy was discharged on XXXX/XXXX/2016. I have received multiple calls from them and XXXX emails this week. I called and was told they do not have my bankruptcy info. ( They have not contacted me since the original notification in XXXX ). I gave them the info and was told they would " look into it '' but that collection activity will continue. I was told by XXXX of the callers that they were not under any obligation to " honor '' the request from the court and that I needed to pay this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, through the servicer Seterus, filed a les pendens against my property while I was making timely payments on my trial loan modification - I had already made 2 payments on time. This appears to be a " dual tracking '' based on what I have read. I called Seterus and they told me this was their standard practice and the lien would be removed when I had made the third payment. I never received any notice of service nor any other communication that they were proceeding with the foreclosure. I did not receive any late notices from them until my loan was 6 months delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Collection account listed as XXXX XXXX in the amount of {$3500.00} is appearing on my most recent Transunion credit report. In fact this account was previously reported by the same collection company using the abbreviation XXXX, this was disputed directly through the XXXX XXXX website and was deleted by TransUnion on or about X/X/2017, per 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 05-08-2017 about Debt collection (Other debt) with Progressive Financial Services, Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection Agency   ( Progressive Financial ) is n ot reporting the correct date of last activity with creditor therefore keeping the collection continually on my credit report. I have not had an account with  XXXX   XXXX  since    2011.

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 06/30/2015 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Account opening, closing, or management

Complaint: Navy Federal Credit Unionsays I owe them money but will not show me any account documents, wont send them to my only known address, Our LAW FIRM sent NFCU and XXXX & XXXX Affidavits stating XXXX XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX XXXX WA XXXX and no other. NFCU continues to LIE and comitt criminal activity, their phone number NFCU 's XXXX is always busy and NFCU is rude and refuses to address this issue. If the accounts of service members are being compromised then this is a national security issue. At the very least their should be correspondence from NFCU to XXXX XXXX XXXX XXXX, there is NOT! Please understand that this needs to be turned over to the Department of JUSTICE for continued criminal investigation. MORE DATA BELOWResponse disputedXXXX said : Explanation of closureXXXX has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX has been deleted and the disputed Navy FCU XXXX is currently not reporting on the XXXX credit file. 
ReliefThe disputed address has been deleted. 

ResponseXXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within XXXX days. 
WHAT HAPPENEDProduct Credit reportingIssue Credit monitoring or identity protection : Problem with fraud alerts ( initial 90-day, extended, active duty, etc. ) Describe what happened so we can understand the issue ... 
Identity Thief tried to establish a Navy Federal Credit Union AccountThe Identity Thief 's address isCurrent/Previous Street Address Date Reported TelephoneCurrent XXXX XXXX XXXX XXXX, FL XXXX First Reported XXXX/2015Last Reported XXXX/XXXX/2015 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -for which I notified the Criminal Division & Civil Rights Divisions in the Dept of JUSTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief