milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working, in good faith, with Nationstar/XXXX to sell our home as a short sale. It has major foundation damage. 
We have produced at least XXXX offers over the past several months. Nationstar/XXXX would not allow the property to sell for market value. 
During this phase of marketing, no one knew the full extent of the foundation damage. 
We had one offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX. We had another offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX There were multiple offers that led to those XXXX accepted offers. During those offers Nationstar/XXXX forced potential Buyers to obtain appraisals, and estimates for the repairs. The Buyer 's spent their funds obtaining the reports and Nationstar/XXXX. The appraisal came in at $ XXXX, as is. 
Eventually, a year later, Nationstar/XXXX acquiesced to suggestions to reduce the price. We received more offers. We had more multiple offers that led to an acceptable offer of $ XXXX. Nationstar/XXXX would only consider lowering their $ XXXX demand if the Buyer obtained another appraisal and an engineering report for the foundation damage. The appraisal came back at $ XXXX IF and AFTER the repairs were completed ( The appraiser said he had no way of estimating the repair due to its severity ) The appraiser also classified the property as uninhabitable. 
Estimates were obtained that ranged from $ XXXX to $ XXXX to bring the property back to an inhabitable status. 
In XX/XX/XXXX, Nationstar illegally filed a Notice of Default. As I understand the law the NOD must be accompanied by an affidavit. In this case, the affidavit stated Nationstar tried, and was not able to contact us. This is obviously a mistake or a fabrication. We have been in constant contact facilitating multiple short sale offers, constant request for updated bank accounts etc., plus we have numerous phone calls logged between us. 
In addition, the affidavit was signed and dated XX/XX/XXXX, the notice of default was dated and recorded XX/XX/XXXX. On top of being false, the affidavit is untimely. Recently Nationstar filed the NOD stating our home will be auctioned on XXXX/XXXX/XXXX. 
This must be dual tracking. 
We have been negotiating more contracts over the past 2 weeks and Nationstar knows it. We have come to terms with one Buyer and have another in backup, for $ XXXX. 
Our Real estate agent claims Auction.com hijacked our XXXX XXXX Ads. They are offering our home for $ XXXX. 
In conclusion, the NOD/NTS should be rescinded or at the very least, the sale date should be postponed. Nationstar/XXXX should allow the sale to go through at the current $ XXXX all cash offer that 's on the table as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: I never received a bill for my Kohls Charge due to email delivery and spam. Kohl 's had my home mailing address as well as my phone number but did not use it to contact me until the bill was overdue more then 30 days. Upon being made aware of the bill, I immediately paid it in full. This item should not be on my credit report as it is not truly representative of the events that took place. Kohl 's has been very uncooperative and refuses to look into their poor billing practices. My credit lines history is long and have been flawless for over 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other transaction issues

Complaint: I sent money to my sister who 's on vacation in XXXX, Western Union held the transaction saying it need to be review and they will contact me after two hrs. My sister told me to cancel if that 's how long it will take so I called 10 minutes after to cancel and they did not cancel my transaction. Their email confirmation clearly states that I can cancel within thirty minutes after sending money unless it waa picked up but now that I did they 're giving me the run around. I spoke with a rude supervisor who told me that they 're investigating my transaction and will not get an answer until 1 to 3 business days and that I agreed to the terms and conditions so I have to wait until they decide to approve or cancel the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked my credit report because I was declined for a credit, I saw that there was a collection from Portfolio Recovery who supposedly bought a loan from XXXX XXXX. This is absolutely false information. All my XXXX XXXX Loans are being settled via XXXX XXXX XXXX. Portfolio Recovery calls any all hours of the day. They do NOT have a loan in my name and it needs to be removed from my credit report ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CASHCALL, INC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX of XXXX contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?

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 02-09-2017 about Debt collection (Medical) with APEX Asset Management, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, I have noticed that I keep getting debt XXXX on my case about hospital bills, however I signed up last year to a thing called XXXX through XXXX and it was supposed to pay for anything that my insurance did n't cover/pay for. They even told me I was approved for the charity care and still continued to send me bills. When I went up to the business office to talk to them about it they told me that I was approved but did not give me any paperwork stating so. When I called Apex they asked for such paperwork and I do not have any to give. If they would like to call the business office and talk to them about it they can if they want. I tried calling a couple times and got no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a  XXXX   XXXX   XXXX  account that I have paid in full. For whatever reaso n, Southwest Credit Systems will not update the account as paid in full with all three credit bureaus (   XXXX   XXXX   XXXX   XXXX   ). I keep disputing the debt, but they keep saying that I owe it. I even have receipts to show that the account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Credit bureaus are reporting my former addresses as being ( 1 ). XXXX XXXX, XXXX, IN ( 2 ). XXXX XXXX, XXXX, IN I have lived at XXXX XXXX XXXX XXXX, XXXX, IN since 1994. and have never lived at the XXXX other addresses listed.

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 07-07-2015 about Credit reporting () with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: They ran my credit with out my authorization.. I have sent them letters numerous times and no response

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: Opened account in XXXX 2013 with Santander Bank in XXXX, MA. Was told that all my accounts were overdraft protected. I was never notified about any changes and have been charged for account " maintenance '' and overdrawn accounts, even though the telephone customer service did n't help. I went to a local bank in XXXX XXXX and met with a bank representative who told me he would contact the XXXX office. After a week or so I had n't heard anything, so I emailed said banker who wanted me to call him. I told him I would rather email and I have n't heard from him since

Company response to consumer: Closed
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: When we mail our mortgage payment on time for due date it is processed in a timely matter in 3 days. When it is after the XXXX of month and near late date of XXXX it is not processed in a timely matter, but we are told it did not arrive by XXXX and then charged an {$80.00} late fee. The lender is Caliber Home Loans XXXX XXXX XXXX XXXX TX XXXX. If this is a common practice it should be looked into and a possible class action suit brought for this practice of holding payments by check.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, using their online too I was listed as one of those whose data was compromised. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XX/XX/XXXXthrough XX/XX/XXXX of this year. The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Equifax Inc. did not inform those affected in a clear and timely manner, nor have they provided clarity or made effort to rectify their problem. They are placing the onus on those affected to right their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2016, Paypal processed an unauthorized virtual transfer request from XXXX for {$230.00} resulting in several failed transfers from my bank. Paypal processed the unauthorized charge without receiving funds from bank due to the fact that the transaction was not authorized Paypal proceeded to harass me for their failed virtual money transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit determination

Complaint: I, XXXX XXXX, residing at XXXX XXXX # XXXX, XXXX, New York XXXX hereby states on record with the Consumer Financial Protection Bureau that Capital One is currently reporting a charge off on an account that Capital One accepted a numbers of payments on as a negotiated settlement. However, since this account has been basically been satisfied through a third party, they are still in violation of the Fair Credit Reporting Act by maintaining a charge off balance. The account should show a XXXX balance with a rating as PAID SETTLED as stipulated through the negotiations agreement on all pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: A hard inquiry was made without my consent so I contacted the bank and the credit bureauo to find out why.the bank refused to advise me dispite verifying my identity. The credit bureau advised me to get a letter of deletion from the bank to take it off but the bank refused to provide that as well. XXXX redirected me to the credit bureaus and the credit bureaus did the same- redirected me to the bank

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 05-09-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I have had a checking account with  XXXX  Bank since  XXXX , and refinanced my outstanding credit card debt into a personal loan with  XXXX  Bank in  XXXX . I have diligently made my monthly payment via automatic payments since disbursement, with no missed or late payments, and have paid extra when I 've had the ability to. My father very recently passed and a result my financial situation has drastically changed in order to assist my family with both the expenses of his services as well as the household expenses while we grieve. I have tried to adjust the automatic payment from my checking account to my loan account  ( $  XXXX  on the 6th of each month ) multiple times, and am consistently given the run around. My branch tells me I need to call corporate, and corporate tells me I need to go to the branch, and each of them tell me it would require me to fill out paperwork and submit a request to adjus t my due date. That being said, I have continued to make the payments on time without complaint. This month, however, having this pull would have caused an extreme financial hardship. I called the branch and explained I did not authorize the ACH to pull this month as it would leave my account overdrawn with no funds available for  XXXX  weeks, and I was told the request would be submitted and it would be all set. However, the ACH was still pulled and now my account is in the red. I called  XXXX  Bank 's customer service today and was told in no uncertain terms that there was absolutely no way for me to have them reverse the transaction despite me revoking my authorization. According to TD, I would need to request adjustment/cancellation paperwork  XXXX  business days in advance, complete it, and then mail it back for review. Even if I were to request it now, my  XXXX  payment would still most likely pull as they are making it impossible to make ANY adjustments. I desperately need the   XXXX   XXXX   ACH reversed as soon as possible and some sort of realistic method of adjusting my ACH when necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Federal tax lien that was released, reporting on Equifax and XXXX. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. Equifax and XXXX have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.

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. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my TransUnion report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.

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 04/19/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is being reported and it is over 7 years old there is even to different account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Debt collection (Credit card) with reekside Recovery And Capital Management (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a phone call at my work place from a company refusing to give their name. the man calling also gave me a false name. I was told to be home at a certain date and time because he was coming to serve me and if I was n't there to sign I would go to jail for a missed court date. I tried calling the number back and they refused to give me a company name. The man I spoke to was told not to call my workplace again due to the fact my employer does not allow these types of calls.the man began to yell at me and would not continue until I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have an account with Crypto Currency Exchange named - XXXX. In order to make a purchase I need to deposit money to the website using my BANK ACCOUNT. However, when I try to add my bank account to XXXX, it generated an error message saying that my bank does not authorise me to make any debits. Attached is the screenshot for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Midland Credit Management ( MCM ) purchased a charged-off account of mine from XXXX XXXX. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, MCM assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian did not send me the proof of verification I requested on several inaccurate and erroneous accounts that are being reported on my credit. I feel as though they are refusing to help me with issues I am having with specific creditors and collection agencies. I have sent them XXXX letters and request to no avail. I feel as though I am being discriminated against and would like to have them investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: Companies Involved : Coinbase - account created XXXX - Parent company of Coinbase. Same Coinbase credentials used to log into XXXX XXXX XXXX, XXXX - Created Coinbase account online XXXX XXXX, XXXX @ XXXXEST - Same Day Wire Transfer of $ XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX - submit request to XXXXXXXXXXXX, receive generic response stating to check back on the XXXX. 

XXXX XXXX, XXXX - nothing back from support so reply to support with additonal information. 

XXXX XXXX, XXXX - another request/email to XXXX inquiring about funds, no reply. 

XXXX XXXX - XXXX XXXX - Mulitiple calls to XXXX support with 2+ hours of wait time with no pickup or system hangs up. 

Its been over a month and I have not received my $ XXXX SAME DAY wire transfer to my coinbase account?!?

Company response to consumer: Closed with explanation