milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have continuously disputed this collection with Optimum Outcomes, INC for XXXX and this Company does not respond. 
I have disputed with the credit bureaus as well. This inaccurate information was removed from my credit report months ago and all of sudden it magically appeared on my report and I was n't sent a dunning letter or anything giving me a chance to request debt validation. However, I chose to send a debt validation letter to this company in XXXX XXXX and they never responded. I have no idea who this company is and have never heard of them. Unless they cam provide a legal document with my signature stating I agreed to pay this alleged debt, I want this removed from my XXXX credit report immediately! Please send me a letter confirming this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Consumer Loan (Installment loan) with Service Finance Holdings, LLC (MN).
Issue: Taking out the loan or lease

Complaint: We purchased a new door through XXXX. They verbally called Service Finance for approval and told us the payment would be $ XXXX/Month. We did not sign anything related to financing at this time. We then received a statement from Service Financing for {$240.00} monthly payment. When we questioned it, they provided the paperwork that they say we signed. The signature on the document is forged, it is not my signature, and it is clearly copied ( the exact same signature ) multiple times throughout the document. It is not dated, and the section asking for my birthday is not completed either. 

We advised Service Finance Company , LLC that we believed our signature was forged and were disputing this, and they still sent us to collections! Now my credit has been impacted. 

In addition, the financing never should have gone through, because XXXX did not schedule the inspection ( he arrived unannounced ) and was not allowed into the home, so he could not have correctly signed off on the inspection as it was not completed. But I believe that is an entirely different issue?

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

Complaint: My personal information, possibly including name, Social Security number, birth date, address, and drivers license number was kept insecurely by the credit reporting company Equifax. This is a company I have no choice but to do business with, as my information is reported to them whether I want it to be or not. As a result of their mishandling of sensitive information, I am now vulnerable to identity theft. 

In addition, after the data breach was detected by the company they delayed in notifying the public, and require affected individuals to check themselves to determine if they were in the data that was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This complaint is in reference to XXXX account XXXX. 
In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " Collection '' if the account was open and not charged off and I filed bankruptcy. Refer to the current credit report. I filed for bankruptcy on XXXX/XXXX/XXXX. Such a designation would be inaccurate or misleading, because it would indicate that the XXXX XXXX XXXX had written off the account at the time of bankruptcy when it had not in fact done so. Continuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code. May I reference two cases : In re XXXX, XXXX ( XXXX ). Here, the court relied heavily on XXXX cases, XXXX XXXX XXXX and XXXX for the propositions that when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it impermissibly attempts to collect that debt in violation of the automatic stay... and the discharge injunction... 
I order you to remove this account from my credit report.If you do not immediately cease and desist the negative reporting to the CRA 's, I will file a Motion for Contempt and Request for Sanctions against you in bankruptcy court FL XXXX, Per the XXXX case, negative reporting on a discharged debt is a violation of the permanent injunction of my discharge ( XXXX XXXX/XXXX/XXXX filing date, XXXX/XXXX/XXXX discharge date ) and as such you are in contempt of a Federal Court Order with your continued negative reporting on the discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Payday loan debt) with D2 Management LLC (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company has been calling repeatedly, not only myself but also calling extended family and friends. When I answered today (   XXXX   XXXX   @  XXXX  p.m.  )  they did not tell me the call was recorded, did not identify themselves by  Company name even when I asked repeatedly. I told them they had some misinformation and the girl w ho said her name was  XXXX   XXXX  but at first told me her name was  XXXX   )  pounced on me and said I had admitted to the debt ( which I had not, I simply asked for verification of the debt ). She was extremely rude, loud, talked over me and would n't let me get a word in edge-wise. Multiple times she flat out refused to give me the name of the debt collection company she represented. She threatened to take legal action. Again, I tried to ask for validity of the debt and she refused, speaking over me and continuing to threaten me with action. I finally hung up on her. I called back and asked to speak with a  manager and encountered another rude person who kept refusing at which I point I mentioned taking legal legal action against them. I finally was put through to a " manager ''  by the name of  XXXX   XXXX  who said he worked for  XXXX   XXXX   XXXX   XXXX . I explained to him the problem but had no real resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On X/XX/17 I entered but dispute for a transaction that was made in Michigan unauthorized by me I have called 83 times and spoken to 17 supervisors and they tell me it will be resolved in 24-48 business hours but I never hear back! This is not the first time this has happened and I currently have three open to disputes of which two were shown favorable by mail and I have yet to be credited to my account. One letter indicates that I received a credit on XX/XX/XXXX but I never dead and the only reason I have not closed my account is because my XXXX check goes on to the card. Last year our money was lost for a long period of time so I 'm phones never returned but this year I ca n't take any losses I have been a customer for over 10 years in the last three years I believe that the company has been running up at the goalie not resolving disputes and not crediting phones they send us all a circle of phone calls with foreign agents and you can never get your money back or get anything resolved. I 'm afraid and needs those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: The servicing of my mortgage was transferred from XXXX toSelect Portfolio Servicing at the beginning of XXXX 2015. I attempted inXX/XX/XXXX, to make my XXXX mortgage payment online, but was unable toaccess my account information. I contacted SPS 's customer service andthe gentleman who answered the call was also unable to access myaccount information. I was told they were a really large servicing companyand it takes time to load all the loans they purchased??!! Was this their firsttime uploading loans to their system? I did as I was instructed and waited untilXXXX XXXX to log into my account and to my surprise my account informationwas available. I logged in set up an account, placed my checking accountinformation into the system, to see a message I was going to be assessed a {$15.00} check by phone fee to make an XXXX time, on time regular mortgagepayment?!!! Working in the financial and mortgage servicing industry for thelast 13 years I know for a fact it costs pennies to process check by phonepayments. Consumer 's should not be charged outrageous fees to processregular on time mortgage payments. I am not delinquent, I am not having arepresentative process the payment, I did all the work, now automation takes over .... and I have to pay for the companies automation? I never had to pay afee with XXXX and since consumers can not choose who their servicingcompany is, I feel it is unethical for the new company to charge for servicesthe prior servicer did n't charge for. After calling in a talking to a servicingrepresentative at SPS, I got the run around before even getting the feewaived. I should n't have to pay {$15.00} for the company 's incompetence. 
Mortgage servicing companies are necessary for processing payments, dealing with the escrows, ect. but since the consumer can not shop aroundand make the choice about who services their mortgage loan, the servicingcompanies should not be able to charge customers for making onetimepayments online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is an account on my credit profile with Transunion are showing opening which is incorrect. 

1. XXXX XXXX Credit Card shows a balance of {$430.00} which is incorrect. This account balance is XXXX and was closed 4 years ago by me. 

Additionally, the balances on the following accounts are incorrect : 1. XXXX XXXX - balance is {$39.00} not {$630.00} 2. XXXX XXXX XXXX Credit Card - balance is 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 09-10-2015 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Bay view loans is reporting incorrect information. They are stating that I am over 120 days late on my mortgage payments. Originaly, the mortgage was first opened with XXXX. Everything was fine until the mortgage was sold to XXXX. Neither XXXX nor XXXX sent any kind of documents stating who the mortgage was with and where payments were being sent to. As of the beginning of XXXX, 2016, XXXX transferred the mortgage to bay view loans without anyone knowing. Bay view loans was n't even heard of until about XXXX 2016. XXXX XXXX has made no comment on selling the mortgage to bayview loans. Bay view loans still insist the house is in forclosure EVEN THOUGH XXXX DOCUMENTS HAVE BEEN SENT TO MY ADDRESS!!!!!!!!!!!!!!!!!!!! XXXX seems to not know much of anything and bayview loans will only send automated gibberish to consumer finance. I am alos trying to work with a lawyer on fixing the issue, but XXXX bank is refusing to cooperate with the situation. 

I am looking into if I can sue XXXX and bay view loans for not providing a single document and not notifying anyone about any changes. XXXX bank was been contacted about getting proofs of payment, but still refuse to work with myself or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian Inc. is acting as creditor, which is against the law. The credit reporting agency restricts investigation, indicating that they have already investigated the matter, and wo n't do it again, which is n't allowed, unless its found to be without merit, but each investigation has to judged on its own merit. In respect to Experian, there are XXXX entries on my credit report which are reported inaccurately, and a mountain of inquiries that are n't mine. The inaccuracy of credit reporting by Experian, anyone who knows any variation of your name, your actual address, and a made up social security number can access your credit report, which has happen, XXXX times on mine. Additionally when asked to verify other than by statement the accuracy of any account, Experian states that they verified it. In the last XXXX months Experian has reported an account XXXX, with account number XXXX, indicating the status, while the actual credit report in information has n't been updated in XXXX months. The Creditor reporting agency is acting as creditor for the purpose of collecting payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: CapitalOne is the card issuer. I signed on to the card offer when the promotional APR was 0 %. I had used to card to transfer higher interest cards over to ease my payments. At the end of the promotional term, the rate jumped to 22.9 % even with my always On Time payments made at minimum amount but mostly with an amount over the minimum due.    Original Card Agreements s tated : ( APR ) fo r Purchases:0 % i ntroductory APR through you r  XXXX /2016  billing period. After that, your APR will be 12.9 %, 17.9 % or 22.9 %, based on your creditworthiness. This APR will vary with the market based on th e Prime Rate .     My rate is now 23.40 %  ( Current Prime Rate  - way to stick it to me! ) and accruing steadily - taking advantage of my hardship even when I phoned them directly after learning my job was going away. I had knowledge of company closing in  XXXX     2016. I W orked until end of  XXXX     2016. I mad e all payments even if just the minum oOn Time until the last 5 months. And now, the la st 4-5 mo nths Its over my head. I 've struggled to stay on top of payments and I have not yet landed gainful employment. I am optimistic I will in the next few weeks. Trying very hard to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is an credit card I had back in XX/XX/XXXX, I had a fight over the phone with customer service for lying to me about taking ( 2 ) late charges off at that time, which they refused to and added 2 more instead when i had a agreement with one of the worker who represented Capital one of XXXX, so I told them to just close the account which was for a total credit limit of {$350.00}, I felt they were trying to scam me since I had the card for many years, and at that time I was on unemployment, its was the beginning of the recession. They sent me and a friend of mine who is my attorney at the time, paperwork, which I disputed this hole affair and explained it to a judge, I believe my lawyer sent an order to show cause?? Not sure, I believe the judge sided with us, anyway I never heard from capital one again, that was 13 years ago. 

Until XX/XX/XXXX on XXXX XXXX I recived a sheriff notice to garnish my salary. 
Now at the same time I have a ( one ) credit card I just opened to rebuild my credit in XX/XX/XXXX and its from Capital one who just increased my credit line to {$220000.00} and I am in good standing with them? Now I spoke to the law firm that is garnishing me and they said ; they would send me all the paperwork that shows the dates, the judgement and when I was served, which I was n't ever notified of a judgement or a court date other then the court date my attorney went to, but he is now out on medical comp due to his XXXX XXXX XXXX and unable to reach?? Is this legal after all this time? Never any attempt to collect or settle or contacting me before garnishment in 13 years now that the amount has all this interest built up they garnish??? I only owed ( {$350.00} )???? If that??? Plus is n't there some kind of statued of Limitation on Judgments also??

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

Complaint: Equifax was attacked, resulting in a hacker gaining access to 143 million names, social security number, birth dates, addresses, and driver 's license number. My personal data were among the impacted records. Protection of such sensitive information should be any company 's first priority, and I believe Equifax has proved itself undeserving of the responsibility of holding such information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 'm currently in bankruptcy and do n't understand why my balance still show XXXX owed.. I 've been paying since XX/XX/XXXX.. I do n't know if its because of how much I 'm paying or is it the interest.. I graduated in XX/XX/XXXX and the school that I graduated from is no longer here.. I do n't know if the charges are accurate..

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (I do not know) with Modern Adjustment Bureau (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: By now Modern Adjustmen Bureau has been served with a small claims case XXXX. All records will be produced on court date. I have attached for the CFPB to review the documents that were served. If you wish to discuss settlement, please consider this an open invitation. 

There is also a pending civil case for vioaltions under FCRA with cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I wish to settle both right now for {$1000.00} plus trade line deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Making/receiving payments, sending money

Complaint: I got a reminder notice from XXXX XXXX claiming they never received my payment and charging me a {$2.00} late fee and threatening to disconnect my water service for nonpayment. I paid the bill through nfcu 's online bill pay as I always do and it was supposed to be delivered by XXXX XXXX. I do n't know why nfcu DID N'T pay my water bill but this needs to be resolved IMMEDIATELY. The customer service from nfcu lately sucks!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (CO).
Issue: Money was not available when promised

Complaint: I wired {$10000.00} to Coinbase on XX/XX/XXXX and the funds have yet to clear my trading account as of XX/XX/XXXX. The XXXX website reads that wires clear within one business day. I have gone through the online support method twice with no repsonse and have called to discover that there is not support for these matters over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Medical) with Transfinancial Companies, Inc (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: IS SHOWING OPEN ACCOUNTS COLLECTIONS ON MY XXXX CREDIT REPORT. ALL DEBTS HAVE BEEN PAID

Company response to consumer: Closed
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying for about two months to access my credit freeze account at freeze.transunion.com. I need access to my account so I can unfreeze my credit. 

I have an account and it recognizes my password and shows my proper mailing address but after I continue logging in I get an error message saying that there are technical difficulties. 

I have tried over and over at different times of day for months ; their web site just seems to be completely broken.

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