milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: A new agreement between the major credit bureaus and 31 state attorney generals states that tax lien and civil judgements that do not have names, date of birth, addresses, or social security number must be deleted from consumer credit file starting XX/XX/XXXX. TransUnion has a " Paid '' tax lien on my report that meets these standards. This Paid tax lien does not include my name, date of birth, address, nor social security number. XX/XX/XXXX I spoke to TransUnion representative Son. I requested over the phone that the tax lien be removed from my report because it does not meet the above standards. The representative stated that yes he believed it should have been removed before XX/XX/XXXX, but the system had not automatically done so. He placed the request to have the tax lien removed and stated that it could take up to two weeks. I asked why not immediately, since a month has already lapsed. He stated that was their policy. XX/XX/XXXX at about XXXX XXXX I called TransUnion to re-verify that removal of the tax lien was in there system and being process. TransUnion representative XXXX stated that no dispute was in the system for tax lien removal. He was apologetic and stated that he would place it in the system. I informed him to place the request in the system but that I was also going to send a written request to have it deleted. XX/XX/XXXX I called to re-verify request was in TransUnion system. TransUnion representative Al stated that the request was in the system and that the tax lien should be removed in about XX/XX/XXXX. I re-iterated to Al that it was illegal what TransUnion is doing because my tax lien meets the requirements to be remove /deleted off my credit report. Finally, I log into TransUnion online dispute to see if anything showed the status of any dispute and I could not see the status nor any details about the dispute. Instead the page stated, Request Submitted '' and " Request Failed ''. So, TransUnion has verbally acknowledge they have the dispute in their system, yet I can not view any information about the dispute online, which advertise that you should be able to see the status of any dispute online. Note : I keep putting into CFPB my correct date of birth is XX/XX/XXXX and the system keep changing it incorrectly to XX/XX/XXXX. CFPB there is some type of glitch in your system because 3 times I put DOB XX/XX/XXXX and your system changes it to XX/XX/XXXX. To whom ever reads this, my correct date of birth is XX/XX/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 08-09-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NC).
Issue: Unauthorized transactions or other transaction problem

Complaint: During the month of XXXX I deposited about {$300.00} into my Coinbase wallet for Etherium and Litcoin, once I deposited the money my account was immediately locked and I have been unable to access buying or selling currency, I had the intention at the time to deposit over {$10000.00} into the account because Etherium was on a dramatic rise. It 's been 3 months ( XX/XX/XXXX ) and I am still unable to access my funds of $ 1,200+ now, I really need the money as I must pay a medical bill of {$1500.00}. I have received one human message in XX/XX/XXXX about them looking into the issue, never heard back, and their excuse on the site is they are overwhelmed. There are thousands of complaints on social media of this exact same issue and they are not taking care of it all.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing on a mortgage

Complaint: I sold my house and received pre-approval letters from Bank of America ( BOA ), XXXX XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX  ( XXXX ) to purchase a new house. My XXXX credit score ( depending on the credit bureau ) ranged from XXXX to XXXX. Except for the property I sold, the only other outstanding debt was on my car. I have never been late for any type of payments. The purchase of the new house was based on a {$300000.00} sale price, me putting {$50000.00} down, and a 30-year fixed rate conventional mortgage. When the inspection of the new house was completed and I wanted to move forward and finance the purchase, I asked all XXXX firms for final financing quotes to be able to lock the rate. The offers ranged from 4 % to 4.4 %. However, the closing costs/cash to close, based on a {$35000.00} downpayment ( the firms stated this amount, not me - since I could afford {$50000.00} ) were {$21000.00} ( XXXX ), {$27000.00} ( XXXX ), and {$47000.00} ( BOA ). Nobody I spoke to, even the realtor, could explain why the closing costs were so high. It meant I had to find at least {$56000.00} to purchase the property ( {$35000.00} downpayment plus {$21000.00} in closing costs ). Th  realtor says there may have been a change in the rules that she was not aware of. I had to cancel the purchase of the house.

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 07/29/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC has not accounted for {$48000.00} in loan payments I sent in from XXXX XXXX thru XXXX XXXX. My account need to be adjusted to reflect a {$48000.00} principal reduction The Security and Exchange Commission is aware of the Defective Mortgage loan that 's a part of XXXX XXXX XXXX XXXX XXXX XXXX is a violation

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 08/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing of XXXX XXXX XXXX, XXXX XXXX TX XXXX -telephone ( XXXX ) XXXX. Fax ( XXXX ) XXXX. 
I have a mortgage from this organization. 
They have forced flood insurance on a property which does not require it. 
I have written on 4 occasions pointing out that the latest FEMA map shows the property outside the flood zone. 
OCWEN IGNORS ALL CORRESPONDENCE AND CONTINUES TO CHARGE FORTHIS UNNECCESSARY INSURANCE. 
This is surprising in a company which was the defendant in a class action law suit for forcing insurance and which settled.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone in Illinos is using my social secuirty number. I sent a questioner to AT & T and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Vehicle loan or lease (Lease) with VW Credit (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I made my lease payment at the end of XX/XX/XXXX. I believe it was made out of the wrong account. Furthermore, the account that it was pulled out of was not attempted to be pulled out from for 12 days. 35 some days after payment was due, I get a call asking for payment. I am shocked. I thought that the pullout was not even for last month but for this monthly payment because it was close to XX/XX/XXXX, which I was actually angry about. I thought it had been made earlier than it was supposed to be. After rep called, I found out the truth and immediately made payment, dated that day for XX/XX/XXXX. Customer service representative waives late fee and apologizes and makes no mention of how they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have reached out to transunion several times and even send out letters regarding inquiries that they are reporting on my credit report. the last letter i sent i received a blank letter with nothing removed and the following inquires still remains. 
1.XXXX 2.XXXX XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XX/XX/XXXX XXXX Transunion should know that they are reporting not yet proven compliant information. TransUnion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. i informed them that i did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting AcT section 1681b ( c ) and a serious breach of my privacy rights. i requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.

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 07-07-2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested verification and validation of debt per my right under the FDCPA and this company refuses to provide this information to me. I also disputed this debt yet JH Portfolio debt Equities still reports this on my credit and has not marked as dispute which is a direct violation of the FDCPA. The last four of my ssn are XXXX and my date of birth is XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I have contacted an attorney and I am aware I can seek actual and statutory damages against your company. Your also a debt buyer and i am under no legal contract to pay you. Can you also provide a bill of sale?

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 09-02-2015 about Debt collection (Auto) with Jonathan Neil & Associates, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Jonathan Neil & Associates dated XXXX XXXX, 2015 for an auto insurance debt of XXXX. My wife and I called and made payments arrangements for {$100.00} per month until XXXX was paid. We received verification and acceptance of payment arrangements from Jonathan Neil & Associates in letter dated XXXX/XXXX/15. We mailed our XXXX payment on XXXX/XXXX/2015 and we received another letter dated XXXX/XXXX/2015 from Jonathan Neil & Associates with a new balance of XXXX. We believe this consititutes unfair practices because we made payment arrangements on one balance and after first payment, the balanced was increased.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Consumer Loan (Vehicle lease) with Foreman Financial Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: Called on a refi that I was told we can make happen followed by no phone answer in the middle of the day where were they napping???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I co-signed private student loans for my son. These private student loans where than purchased by  XXXX   XXXX  and subsequently transferred to Navient. I am a co-signer on this loan with my son as the primary. In  XXXX    XXXX   during the transfer time between  XXXX   XXXX  and Navient my son became delinquent for a 60 day period on the student loan. There was no delinquency for 30 days only a  1 t ime 60 day delinquency. At the time my son was catching up with the payment of the loan and for several months could not afford the full payment however made at least 75 % of the monthly payments, and continued to always send in some payment. At the time he was adjusting to paying  XXXX  private student loans to  XXXX  different companies. Navient placed in  XXXX    XXXX   a  XXXX  time 60 day delinquency on not only my sons report but to my credit report also. As stated I am a co-signer on the loan a guarantee that it would be paid if my son could not pay it off. I have tried to rectify this negative reporting with Navient and with the  XXXX  credit bureaus reported to  XXXX   XXXX  and  XXXX . I have disputed with the credit bureaus with no success. I been meet with nothing but bitter commentary from Navient employees and was provided with no help to eliminate the negative reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax compromised 143 million people 's Social Security numbers and other data and just announced this on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with ATLANTIC PACIFIC MORTGAGE CORP (VA).
Issue: Settlement process and costs

Complaint: Mortgage held by Atlantic Pacific Mortgage Corp. was paid in full XX/XX/XXXX, but Deed of Trust was never released. This was discovered XX/XX/XXXX, when processing a refinancing transaction. Despite numerous telephone calls, emails and a demand letter sent via certified mail, the Deed of Trust still has not been released.

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. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a security breach and my personal information was compromised and is likely publicly available and waiting around for someone to attempt identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I returned the XXXX XXXX items in their self shipping label and they are trying to collect for items that I returned. If they just go check their XXXX for the tracking number, they could prove that I sent it in. XXXX XXXX refuses to talk to me and says that I need to speak with Diversified. Diversified says I need to speak with XXXX, so they just keep pointing the fingers at each other and nobody wants to do anything. If they simply check on the tracking number, they will find that it was returned and this debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2017 about Debt collection (I do not know) with All State Credit Bureau, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: reporting an erroneous account to XXXX credit bureaus that have not been verified

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This XXXX account reporting is past the statute of limitations please remove as requested

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 04-08-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: After my daughter left college in XXXX 2015, she began to receive a bill from Sallie Mae in XXXX. Fresh out of college, she was working part time but the bill she received was for XXXX. She immediately reach out to them for Income based payment. We have both completed financial states and they refused to adjust her payment. I asked several times for options and they refuse to give any. They told her her account would have to go to the delinquent status before they could offer options. After 30 days late, they called again and she requested options but to no avail. They call 7 days a week sometimes up to 6 times a day with no resolution. They refuse to give a direct number for contact. I finally got a direct phone number and have left over 6 messages to the person they told me could handle the account. They are refusing to talk to me now because I told them the calls are being recorded but yet they reserve the right to record on their end. When I call, they tell me that they can not speak to me because they are not giving me permission to record their phone call and they hang up. Someone accepted a pmt arrangement and deducted the 1st pmt from her account only to call back a week later and said the pmt arrangement was denied. Now they wo n't take our phone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NJ).
Issue: Trouble during payment process

Complaint: I am NOT late on my mortgage, and always make my payments within the grace period, yet Seterus calls repeatedly to " collect a debt '', telling me my mortgage is " in jeopardy ''. I have told them in the past, that unless and until my payment is late, these calls to " collect a debt '' are harassment and I will file a complaint. Today is the XXXX of the month ( XXXX/XXXX/XXXX ). I have received two phone calls today ( interrupting a business meeting! ). The first call ( XXXX ) I could not answer and it went to voice mail ( they did not leave a message ). The second call came two hours later ( XXXX ). When I asked who it was, the representative said " this is an attempt to collect a debt '' and needs to speak to me about " my mortgage balance ''. She said my mortgage is " in jeopardy ''. I explained to her that my payment is n't late, it is n't due until the XXXX. She said " the system automatically makes calls after the XXXX of the month ''. I told her unless and until my payment is late, do not call me to " collect the balance '' or tell me that my " mortgage is in jeopardy ''. There is absolutely no reason to " collect the balance '', nor is there any justification to state and/or imply that an account is " in jeopardy '' on a mortgage that is paid timely.

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 05/18/2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

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 10-06-2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: The credit balance of the account is XXXX and all the outstanding debts were waived by the company and yet the information has n't been given to the credit agencies. I would like for Regional Acceptance Corp to immediately send the updated information to all XXXX of the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Notifications about debt were not being sent to the correct address. They were apparently sent to a previous address that I no longer live at, therefore, I did not know a debt collector was trying to reach out to me. I found this out by trying to get approved for a mortgage loan to buy a house, and i could not due to these collection debts. 


Harvard collection : ( medical ) opened : XX/XX/XXXX reported:XX/XX/XXXX balance : {$42.00}

Company response to consumer: Closed with explanation