milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX  and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. 

Ally Financial was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and Ally Financial to have it removed from my inquiry no action was taken.

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 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PR).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: This new submission is about the complaint XXXX made in 2014 against Sallie Mae, notifying that I want to be part to the suing made to this institution, who gave me the only solution of a forbearance of {$100.00} for one month when I 'm unemployed. Right now, I 'm unemployed again and with medical expenses, which I wo n't be able to continue paying through their collection agency, XXXX XXXX. A letter was sent yesterday. 

I also want to notify that I have called few times to be signed off of a loan I co-signed. They said I was able to be out of it after a year of a full payment by the borrower. It 's been two years, and I was told, that wo n't be happening. Attached the loan I co-signed. 

I also remember, not giving any other option when I stated I was going back to university.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Home equity loan or line of credit) with FCI Lender Services Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX XXXX, XXXX my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at XXXX XXXX XXXX XXXX. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is XXXX XXXX XXXX XXXX. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of XXXX XXXX XXXX, XXXX. on behalf of a XXXX XXXX XXXX XXXX. Had the mailman not delivered this piece of mail to me I would never had known 1 ) that this mortgage was being held by another company other than XXXX XXXX 2 ) that my house was in foreclosure and I could have actually lost my house without even being aware of this. 

This was the XXXX time that I had received any communication in regards to this mortgage in over 5 years. The mortgage was originally a second lien held by XXXX XXXX XXXX ( formally XXXX XXXX XXXX ). In XXXX XXXX, the XXXX mortgage was modified by XXXX XXXX Bank and we were told that the XXXX lien had been extinguished. We have been making payments on the XXXX mortgage to XXXX XXXX Bank since XXXX XXXX on a regular basis. Since we did not receive any correspondence in regards to the XXXX lien, we were shocked when we received this letter. Upon further research we learned that this XXXX lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer. 

Because of the failure to comply with the provisions of this law we would therefore request that you investigate have each entity that was involved with the transfer of my loan to provide the servicing transfer letters that were sent to me including my signature of any RETURN RECEIPT REQUESTED certified mail that was sent to me. 

I am attaching copies of the recorded assignments that I was able to find in public records to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that I was never notified about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to open a bank account due to information on file with Early Warning. XX/XX/XXXX : Called Early Warning was told issue had to do with XXXX XXXX in XX/XX/XXXX , but she couldn\'t tell me more until I had completed a consumer identification form with copy of the drivers license ; submitted both that day. ( I originally did not include my ss # on the form as I wasn\'t comfortable providing to random company asking for it. ) No confirmation, email, voice mail from Early Warning\XX/XX/XXXX : Resubmitted consumer ID and certification form with SS # and drivers license\XX/XX/XXXX : Received voice mail from XXXX stating my request was received for processing and that it was " just about done '' and should be " mailed within a few days, either tomorrow or Wednesday ''. That it would be coming from Arizona and to allow a couple extra days to receive. XX/XX/XXXX : Emailed Early Warning again - where\ 's my reportXX/XX/XXXX : Second voice mail from XXXX stating that yes she originally told me it was just about done, but now they need a copy of my social security card in order to mail file report. No one from Early Warning called/emailed me at any point to tell me they needed additional information ; I was originally told that all I need to submit was copy of DL, which I\ 've sent them twice.XX/XX/XXXX : Called Early Warning spoke to XXXX. Told that b/c I didn\'t provide my ss # in my form they now needed copy of my card. Explained I resubmitted form on XX/XX/XXXX and had vm from XXXX stating it was in progress. Then XXXX tells me they need the ss card because when the \ '' ran XXXX '' it came back with a different name. Which is it - XXXX XXXX in XX/XX/XXXX, no ss # on first form or different name attached to ss #? XXXXAll communications with Early Warning have been initiated by me, I have provided requested information and documentation, each time they have an excuse for why the report is not sent and they\ 've given me XXXX issues of concern ( if true ), but because I don\'t have the report I don\'t know what I\ 'm dealing with. None of this appears on my credit report from XXXX, XXXX or XXXX. I log in to SSA.gov to review my report - nothing there either. How do I even know this is a legit company? I honestly don\'t know if I should send a copy of my card, but if I don\'t they will continue to prevent me from opening new bank accounts or bank loans. I have all emails and I also have the two voice mails left by XXXX. This is past the point of ridiculous and it feels like a bank scam. I have proven who I am with my driver\ 's license ; address on form = address on drivers license = where to mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, 2012 we sold our home in XXXX Ga. and Ocwen Financial corp. was the mortgage holder. We had a XXXX and XXXX mortgage with Qcwen. At closing, XXXX our notes were paid in full. Today, 4 years later we later, we find out that they are still showing an unpaid balance of {$97000.00} and {$12000.00} on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am bankruptcy, am still going through bankruptcy. I have never had credit with capital one credit. the bill statement read XXXX balance,XXXX transaction,XXXX due XX/XX/XXXX.i did not ask for credit, i donnot want credit.i filed bankruptcy XXXX. I am still in the process

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I believed some of the information on my credit report are incorrect and should be removed immediately in 2009 I was rear-ended by another vehicle by no fault of my own immediately following the accident, I was removed to the hospital and received medical care and released. Afterward, I also received medical follow-ups with different doctor 's and received treatment for my injuries, up to this day after checking my credit report I noticed I still have collection notices on my credit report for the treatment I received after the accident, in-spite of the fact I had hired an attorney to represent me and who close the case and assured me all the medical bills had been paid. For some unknown reason, those collection notices are still on my credit report and are causing a lot of XXXX moments the medical problems which I am currently suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: XXXX   XXXX ,  2017  Sent a QWR to these companies.     OCWEN Loan Servicing LLC  XXXX   XXXX   XXXX  I have not gotten any answers to my request. I did get a print out of something but no answers to the questions I asked on the QWR of  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX closed their business in XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XXXX and XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, Midland Service took over the account and claimed that I owed 900 dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed XXXX bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with Midland Service or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I filed a claim with Citizen 's bank regarding a merchant overcharging me by over $ 100.oo on my credit card. I explained to Citizen 's back in XX/XX/XXXX that while on a cruise, the cruise ship overbilled my account as well as allowed my XXXX sister to make purchases to my stateroom without my permission, knowledge, or authorization. They did this without my card present either at the XXXX XXXX XXXX. I did NOT authorize my XXXX  sister to use my account and the cruiseline has a duty and responsibility to verify any and ALL charges before charging something to someone 's room without their permission or knowledge. They also allowed her to charge to my other sister 's account. There were other unknown charges on my account as well. When I spoke with someone from guest services at the Cruiseline, they told me they could not help me and to dispute the charges. I spoke with Citizen 's and explained the situation. Recently, I received a letter from Citizen 's stating they verified the purchases and enclosed a computer generic receipt without a signature, no sales receipts attached, no copy of my license, or any other documentation stating I was aware of these additional charges or made them. I spoke with a woman from the claims department who told me I was a liar and that the cruiseline would n't have allowed my sister to make purchases without my card or my id, however, they did. She also refused to let me speak with a manager, would n't tell me her name and would n't verify whether or not she was a third-party or internal claims department with Citizen 's. Citizen 's is now threatening to deduct the full balance from my account without completing a thorough investigation to ensure these charges are mine according to XXXX rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: CBNA is showing that I have an account with them and that it was closed as a charge-off after failure to pay in XX/XX/XXXX. I do NOT have an account with them. I have written the company XX/XX/XXXX telling them that I dispute the accuracy as the account is not mine. I asked them to provide details as to the name and address of the person who opened the account. As of XX/XX/XXXX, they have not replied.
I am attaching a copy of the specific page in my credit report as well as the letter I sent them.

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 01/30/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: On XX/XX/2018, I received a letter from XXXX XXXX XXXX   stating that they were trying to collect a debt of {$750.00}. They have the wrong person. I have never heard of the Creditor, they spelled my name wrong and they have the wrong middle initial. This happened a few years ago and I simple called them and explained they have the wrong guy. 
So I thought I would do that again. Big mistake!!! Calling their # sends you to some kind of phone XXXX site. Now they have my # and call 3-4 times a day. 
Their # is XXXX Can you make them stop?? 

Thank you 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 09-08-2016 about Student loan (Federal student loan servicing) with MOHELA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying my daughter 's student loans for the past 20 years and I have never been missing a payment. Throughout the years I received notifications of the loan being sold to various service industries. The original loan amount was $ XXXX and change and after 20 years, the balance is $ XXXX and change. This is not right and I would like the consumer affair to conduct an investigation into the US Department of Education and its servicing industries. 
My daughter attended the University XXXX from XX/XX/XXXX to XX/XX/XXXX, I started repaying her loans immediately after. I am barely making ends meet, near the end of my life and do not think I will be able to payoff this loan, however, the number of payment I have so far made is double the original amount and I would really need an investigation to be made into the manner loans are being managed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have received several past due notices from Citibank Sears Card Services about 2 charges from XXXX. The charges were unauthorized and the account had been paid off and closed in XX/XX/XXXX of 2016. I have called them twice and filed a fraud notice with them but whenever I call I am talking to someone from another country. I just received another email from them and it is getting very frustrating.

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 09/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other service problem

Complaint: In XXXX I opened an account with XXXX, both to manage my personal XXXX holdings and to support a XXXX related business I was building. I was able to open and use a merchant account, and used the Coinbase XXXX to process XXXX subscription payments for my business. 

In XXXX of XXXX my business had grown a great deal, and I had a number of recurring subscriptions to my service set up through Coinbase. In order to stay compliant with all the rules regarding identity, I updated the address information on my account, as I had moved from one state to another. This update triggered an automatic review of my account that has not been completed to this day ( XXXX XXXX XXXX ). This review process suspends all activity performed via the XXXX ; that is, all of my subscriptions were now unable to be processed, and new customers were unable to start subscriptions. 

I requested support from Coinbase, but this ticket has never been responded to. The net result of this long delay is all of my monthly customer subscriptions through Coinbase have expired and can not be renewed ; reducing the revenue stream of my fledgling business, causing confusion among my customers, generating additional support load for my business, and requiring development time to move to another XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports.

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 07-07-2017 about Debt collection (Auto debt) with CAVALRY INVESTMENTS, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Calvary Portfolio Services purchased a debt that was already in constant dispute from XXXX XXXX due to the owner on the account using my info as cosigner. The balance reported from XXXX XXXX was over 12,000 dollars. I knew I never owed this balance, I have asked XXXX XXXX for verification of this debt multiple times. I have never recieved verification it was then sold to Calvary Portofolio who then placed the balance as XXXX. I disputed online and asked multiple times in XXXX XXXX, XXXX XXXX ( BOTH online and letter ) Mid XXXX, I recieved a letter telling me they could not verify what I was asking for and they need more details so I sent another letter requesting debt validation. In my letter ( s ) and disputes I asked for supporting documentation that verifies this debt including the signed contract that includes my name and info. However, it is XXXX I have still not recieved and validation although they have reported validated to the credit bureaus but it because the remarks that were on the account and the ACTUAL validation has yet to occur from any party. I HAVE BEEN DEALING WITH THIS SINCE XXXX XXXX altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: I applied with Quicken Loans to purchase a home in XXXX. Our current residence is XXXX and I am a XXXX, XXXX employed for over XXXX years. We have high credit scores, a low debt to income ratio, and we are paying almost XXXX percent down. The reason for our decline is that Quicken is stating they will not do a loan for a XXXX employed person moving out of XXXX. This is quite a statement coming from a company who markets all over the United States. I can do business in XXXX or any State from any location. Our company has the tools to use the internet to conduct our business without having to meet face to face. My wife and I have been discriminated against based on a XXXX employment income. We have a ten thousand dollar deposit on the house and may very well lose that deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX agreed to remove this debt from my record. This should never have been sent to collections in the first place. It was a case of overbilling. I have paid my XXXX bills in full to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation