milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information reporting a late violation of my rights need to be corrected cra violation

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Savings account) with SLM CORPORATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had a savings account and investment account that was closed for no reason. The company gathered all my personal information. Took my small opening deposits, and closed my account. There was absolutely no valid reason to close my account. When speaking to repeesentative over the phone I was treated very poorly and unprofessional without any real answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MN).
Issue: Wrong amount charged or received

Complaint: I made a Coinbase purchase on XX/XX/XXXX for {$200.00} in BTC. My bank account was debited that value ( plus an unexpected {$2.00} ATM charge by Coinbase ) on XX/XX/XXXX. My bank account has been charged AGAIN for that amount ( {$200.00} ) on XX/XX/XXXX without my consent. 
I additionally purchased XXXX on XX/XX/XXXX ( {$110.00} ) & XX/XX/XXXX ( {$150.00} ). Those have not double charged but I expect them to due to the negligence on Coinbase 's part. 

I expect to be paid back my {$200.00} PLUS any additional costs that may be incurred against the XXXX  purchases. Additionally, I expect to be compensated for the error. 

Coinbase is unresponsive in email and phone.

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

Complaint: I am a victim of the Equifax XXXX XXXX. My name is included in the list of potential clients affected. At this stage, I have no idea how badly impacted I have been and am assuming the worst.

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 EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HELOC w/ Wells Fargo Bank . While out of the country on business XX/XX/XXXX. and XX/XX/XXXX I missed the notice to renew my home owners insurance policy from the insurance company. When I returned I renewed my coverage but not before there was a lapse in coverage. 
Wells Fargo sent me a letter requiring me to demonstrate the property was covered by adequate insurance coverage and although I had the coverage I was not inclined to immediately demonstrate it to Wells Fargo so they can earn a risk premium on the HELOC when they incur no risk. XX/XX/XXXX, after having received several warning letters from Wells Fargo, I called them but was told I would need to fax ( NOT scan and attach to an email message ) the proof of insurance. I visited a local branch and they assisted in faxing the proof of insurance to Wells Fargo. Thereafter I received another letter fm Wells Fargo notifying me that they had purchased an insurance policy for my property since I had failed to demonstrate proof of coverage. I returned to the branch on XX/XX/XXXX and we again spoke w/ the contact provided and again faxed the policy since they had no record of having received the first fax. I was assured that I would receive a letter in several days. 
On XX/XX/XXXX I received another letter informing me that I have been charged a prorated portion of the imputed insurance premium for the period of time where there was a lapse in coverage. Although much less that the larcenous rate I was first quoted of {$3200.00}, I was told that I owe now owe {$670.00} for the coverage. ( My coverage for the entire year costs {$910.00}! That they could not negotiate a premium w/ their purchasing power demonstrates to me that there is no 3rd party insurer but rather this represents an imputed amount att he maximum rate they feel they can pass along. ) Wells Fargo is requiring reimbursement for an imputed premium for a period of historical time where there is no liability. I could understand if I did not have coverage and could not demonstrate it going forward, but to impute it retroactively is nothing but a money grab!

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 08-09-2016 about Debt collection (Payday loan) with CARDINAL FINANCIAL COMPANY (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Company called and said I took out a payday loan that I never took out 6 years ago, told me I was going to be sued if I did n't pay them XXXX dollars. Name of company is Cadinal Processing, said loan was through XXXX XXXX and XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I being sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while in XXXX XXXX. I did live there for 3 years, XX/XX/XXXX-XX/XX/XXXX, after XXXX military service. I moved back to XXXX XX/XX/XXXX for medical treatment. I was not properly notified, the debt is 7 years old, and the funds are exempt from collection, ( social security for XXXX, veteran compensation ) Midland Funding , LLC is the collection company in the states, represented by XXXX XXXX in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Trouble during payment process

Complaint: Please see attached files. I have put all my information in those files. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: To the office of the Cmptroller of Currency ( OCC ) I was recommended by the U.S Department of Justice Consumer Protection Branch Civil Division of XXXX. To file a complaint with ou concerning XXXX XXXX XXXX and Carringtion Mortgage. I have proof and suspicion of fraud with these companies and I feel as if I was discriminated against by them. My home have been in foreclosure for five years since XXXX to XXXX XXXX, XXXX. We were recommended by XXXX XXXX XXXX to apply for a loanmodification to help us save our home. We applied for modifications overthree years. All of a sudden we receive a letter and a phone call from Carrington Mortage saying they want us to start mailing our mortage payments to them. We responded to Carringtonsaying We never came to an agreement on a mortage payment or modification. We were lead to believe that they wre the new owners of the property but they had no information on the property so we were lead to believe they were trying to help us to save our home by asking us our information, and we began to give them our personal information, only to find out in the end they were using our information to build their case to get the home from us. We asked them for a copy of the original deeds, and they sent us drawn up papers with our signatures that we never signed. They copied our signitures from other papers. The house was up for sale because of foreclosure Carrington then purchased the home themselves. Why would you buy a home that you already own?. We continued to live in the home, because the home was stilll in our name. Carrington then told the tax office to send our tax papers to them. Still unable to prove the home is theirs. I have proof of fraudulent use of flase documentations used against me to get my home, and contradicting every thing they 've said in the end the way thta they got my home wasw throught lying to the court saying that I did not pay taxes for XXXX. I filed for tax exemption and I was tax exempt in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Other debt) with ROC Asset Solutions, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I took out a loan from a company called " XXXX XXXX '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " API Recovery Solutions '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted XXXX XXXX to see where my debt had gone and they told me that it got sold to " buyers holders inc '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company buyers holders inc, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Dealer Funding, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ive tried to contact XXXX XXXX XXXX ( formally dealer funding ) and they 've denied my request. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for my account [ loan account number XXXX ]. 

During that time, my mother fell XXXX XXXX and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.

Company response to consumer: Untimely response
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.

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 11/21/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX send a letter to old address about possibly taking legal actions XXXX Spoke with them on the phone asking the to please stop sending anything to that address and also to stop calling. They couldnt provide proof. They then threatened that it would turn into them suing me. 

XXXX started calling relitives and telling them i put their number down as my contact info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have just checked my credit report and I saw a debt collection from a company I do not owe any money to. They have never sent me any letters. They have not let me verified this debt. There was no communication from the debt collector. I have no contract at all with  Diversified Consultants Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar credited my account with my full payment payment on the due date, but it also assessed a late fee and has started aggressive collection tactics to recover the late fee from me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from my current mortgage company about the transfer of my loan to loancare with the new account number and the effective date of XX/XX/XXXX. I have n't heard or received a letter from the new mortgage company.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Regarding lowest credit score of the 3 reporting agency.

Equifax co. Keeps reporting my credit score far below the other 2 reporting agency and is keeping me from obtaining a loan to repair my credit. If it is at all possible to review my report to bring it up to near the other 2 reporting agency would be appreciated. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX XXXX SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX SYSTEM DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX  is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

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 08-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Sometime around XX/XX/XXXX or XX/XX/XXXX my wife got a notice from Capital one bank indicating that we owe on a credit card. we responding that we never had a Capital one credit card, but was taken to court. the case was dismissed in court but Capital one has been still trying to collect, using one collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from XXXX XXXX XXXX trying to collect the same Capital One account. Capital One Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2015 about Debt collection (Medical) with Collection Services, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Requested the following information from collection agency three times : Name of doctor this debt is owed to. 
Dates of services provided. 
Procedures that were performed. 
How you determined that is my debt. 
Collection agency deleted the tradeline from my equifax credit report. Has not provided the requested information, and continues to report on my experian credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: I had Home Equity line loan from Wells Fargo, which was discharged through Bankruptcy Chapter XXXX, Bankruptcy was filed in XXXX and discharged in XXXX. Wells Fargo is reporting it to the Credit Reporting Companies after the bankruptcy discharge date in XXXX. The last reporting date is XXXX. This is negatively impacting my ability to secure Re-financing of my house. Reporting after the discharge date should be deleted from my credit reports. However, they can report it before the discharge date in XXXX.

Company response to consumer: Closed with explanation