milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Management Corporation (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We used to live in and moved from XXXX XXXX XXXX to XXXX XXXX around the time 2011. We paid the bill with in 30 days of us receiving the bill at our new address. Because of our move we did not receive the bill and were not able to pay it on time. I have NEVER been late on paying my bills. Even though this bill was paid as soon as we received it in mail, it is still showing up on my credit report and lowering my credit score. This is making difficult for us to secure a mortgage. I had requested the company to expunge this account from my history but they have not responded.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I would gladly pay this debt, if I could send a check to an address and be done with it. They want me to do a payment over the phone ... .never. 
Have this debt collector contact me thru the MAIL and I will pay the debt, WHETHER or not I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX I sent Coinbase Inc. a wire in the amount of {$20000.00} from my business account to my personal account at Coinbase. After a few days the funds were still not in my account. I contacted Coinbase and they stated on XX/XX/XXXX that {$20000.00} would be reversed back due to my personal account name not matching my business. They stated it would take at 7 to 10 business days to process the reversal as of XX/XX/XXXX. 

I followed up well after 10 business days on XX/XX/XXXX, and Coinbase stated that they have a specialist addressing it and will follow up with me as soon as possible. 
I contacted Coinbase on XX/XX/XXXX due to lack of response. 

They still have not responded to me as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage with XXXX ( serviced by XXXX since XX/XX/XXXX ). On XX/XX/XXXX, my mortgage was sold/switched to another Subservicer of XXXX, Nationstar. Since that time, my mortgage has not been reported to the credit bureaus. Consequently, I do n't have a current mortgage showing on my credit report. I am in the process of purchasing a new ( additional ) home ( closing scheduled for XXXX ... One week from today ), and my lender is telling me that it can not be processed until my existing mortgage is reflected on my credit report. I have made at least 6 calls to Nationstar customer service to find out when it will be reported. Nationstar told me they are legally prohibited from reporting my info for 60 days following the loan transfer. Today is day 65, and they have given me 6 different answers as to when it will definitively be reported : 1 ) automatically on day 60 ; 2 ) on the 10th day of this month ; 3 ) at the end of the month ; 4 ) at the end of the billing cycle ; 5 ) at the beginning of next month ; and 6 ) ' it has already been reported '. Today, they 'confirmed ' that it will be reported on the first of next month. I have begged them to manually override the system and report my mortgage info now. They said this is not possible. They told me that every lender has different policies, and this is their policy.

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 05-02-2016 about Debt collection (Medical) with Central States Recovery, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Consumer States Recovery in XXXX Ks. send a letter I receive on XXXX XXXX regarding a debt they said I owed to XXXX XXXX XXXX XXXX Ks. of {$100.00}. Prior to this date I never received any billing from XXXX XXXX so I was surprised and angry as my credit rating is perfect. I called the agency and they failed to return the call. On XXXX XXXX I received a refund of {$22.00} from XXXX XXXX-the same company requesting the debt collectors to pursue?. I called XXXX XXXX and the check was an over pay so they refunded it. I was even more confused as they refunded money I didnt pay and sent collection on a debt I never owed. 
I spoke with billing at XXXX and they have no record of sending a bill collection request to the Central States Recovery. 
I called the CSR and they said they would put my case on hold. I told them XXXX XXXX has no record so I would like your record of this debt request. 
On XXXX XXXX I called CSR again and asked to either they send me a letter proving XXXX XXXX sent the request of debt collection against me or they send me a letter reflecting it was a mistake and remove it from my credit record. They said they will call me back. I said thats fine but I still want it in writing. 
XXXX XXXX no letter from CSR has been received and so I confirmed again with XXXX XXXX they did not send CSR a collection request. 
I have the billing info from XXXX XXXX, the csr letter and the refund check from XXXX. I would like CSR to be investigated as I have never not paid a bill and have a good credit rating.

Company response to consumer: Closed
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax will not remove inquiries that were not allowed by me. I contacted XXXX XXXX and even received a letter advising Equifax to remove the inquiry. Contacted Equifax on XXXX ( before I received the letter ) XXXX, XXXX, and recently XXXX. Always receiving that inquries are a factual occurance and will not be removed, see attached letter from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: If you make your payment on line and it is the XXXX or after they charge a {$10.00} Rush fee - even though the payment is not delinquent ( assessed a late charge until the XXXX ) There is no way to pay your payment on line after the XXXX with paying this fee. Additionally, if you pay after the XXXX of the month they assess a late charge and the fee. I want my {$10.00} fees back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with AMERICAN PACIFIC MORTGAGE (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Everything started around the end of XX/XX/2017. We met XXXX at an open house where we also met the agent, who would then became our real estate agent. We were working with somebody else but the agent made us understand that would've been easier to work with somebody she knew, and that XXXX worked for a really good company and that he could help us get the loan we needed to buy the house of our dreams. Everything started few days later : we provided him with info he needed to start processing the request for our loan. Short after that, he gave us the pre-approval letter, with the loan amt we were approved at, an appealing interest rate, a down payment amt.. Everything we needed to start shopping for a home. We found a home. Everything was going OK until he sent as the final documents, I believe it was the good faith estimate : but wait, a few information were NOT what we got disclosed at the beginning.. the interest rate went from 4 % to 7 % .... When we have requested explanation on why that happened, he told us that our case was different. I asked in how come this is coming up now at the end, when she knew that case was a little bit different.. At the point our communication broke up. He started by saying that we could sign docs with that interest rate, and 6 months later he could refinance me at a much lower interest rate, and that was good for me, as he would have been a much higher tax deduction. 
From that point we had to look for a new lender and honest one. 
P.S. At the beginning of the all process, I even recommended him in to a friend of mine and guess what? she call me a few days ago and without knowing what happened to me she told me that it happened to her too. 
Sorry, But I thought I was dealing with a shark, and I do not gamble my money and my happiness..

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX XXXX now Navient : 1 ) Collected {$5400.00} during my Chapter XXXX process, and credited me for {$300.00} only. 
2 ) When Chapter XXXX was completed successfully in XXXX 2009, i put it on direct payment. Since then they have been collecting {$200.00} every month. Have now paid {$14000.00}. 
3 ) My credit report says I owe {$29000.00} still. 
4 ) Navient says my payments are for 20 years! So they say my last payment will be when I am XXXX. 
5 ) If I ask for a payoff amount, they say {$28000.00}. 
6 ) Years ago I asked them about the forgiveness program for government workers & they said I had to be paying them for 10 years before I could even get into the program. When I retired 3 years ago, I had given XXXX 29+ years of service. 
Nobody wants to help me. I am so disheartened. 
Please help me! I just want a fair accounting. My loan is 4.875 %

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: I was offered a promotional balance for a certain amount of time. After paying one day late and receiving a charge of more than {$400.00} balance promotion stopped and I was not advised properly. This unfair marketing practices made me incur again in another unexpected {$200.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Bank of America treats its senior XXXX veterans very shabby.

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 11/15/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Struggling to pay mortgage

Complaint: SPS is reporting late payments during the loan modification even though they advised me they would not report late payments. They forced me to go past due and would n't take my payments promising me that it would n't show late on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit  score dramatically and I have attempted to correct this with XXXX XXXX, Experian, XXXX, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But XXXX  employees are to rude

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (LA).
Issue: Problems when you are unable to pay

Complaint: In XXXX XXXX I was discharged from my job and I could no longer make payments because I was unemployed. I started working in XXXX XXXX and have been harassed and talked to very disrespectfully. I have been told I would be sued and my wages garnished. I had a payment plan of {$95.00} a month but I was only working parttime beginning XXXX XXXX so I could not afford full payments. Security has refused to accept partial payments and still refuses to accept $ XXXX monthly till my account is 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 08-08-2016 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Delinquent account

Complaint: I am reaching out in reference to an earlier complaint that I filed - XXXX. 
Target indicated that they would go back and correct any negative information on the credit report- and that has n't happened as of yet. I called Target and they stated the information was sent the credit bureaus and I should see an update within the next few days. I waited another week and it still has n't happened and it 's now XXXX XXXX. Again, working in the lending industry, this should have been corrected by now if they had processed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I worked for a company called XXXX XXXX XXXX. The owner of the company, which is not me, applied for and received an XXXX payment corporate account that gave the office a credit card swipe machine for taking payments. The owner died and I took charge of closing the business for the surviving spouse. It came to my attention that one of the owners family members was swiping their personal credit card and then transferring the funds to her personal bank account. This family member then began to claim fraud on every credit card she had and XXXX payment issued her a refund. I complained to XXXX and showed them the proof. They did not care who did it and since my name was now on the account since I was the one put in charge to finish up unfinished business and close it 's doors, They claim I am responsible, I did not sign any agreement with them nor did the company use me as a personal guarantor. I submitted a letter to Experian giving them the proof I sent to Experian and asked them to validate this account or to remove it from my credit report. They validated the account and sent me a letter dated XX/XX/2016. Since I know they are in error, I sent them the attached letter on XX/XX/2016 asking for Method of Verification as required by the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) ( 7 ) or to remove this account from my credit report. They have not responded to my letter and they have not removed this account from my credit report.

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX    and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. Aft er the 2nd attempt  my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Mid-Atlantic Consumer Services (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: collection agency who does not exist ( fraud ) mACS XXXX his name was XXXX XXXX probably alias. stated was from a collection and have to make a settlement on an acct which does not exist from a cking acct from 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with NCC Business Services, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: We had sent a request for hardship to the district office that we were under the understanding was approved. We had a daughter that went through XXXX to save her XXXX. It was a time we had to move back in with family immediately. The company did not say or send us any documentation showing we had outstanding debt as the location was rented right away by a couple we sent in to the office.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: i recently make a purchase using how payment metode paypal butthe seller never give me the service i make a claim inside paypal butthey go in seller favor this is the unique transaction number XXXX and i thinking this is fraudulent seller soplease helpme to get back my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Settlement process and costs

Complaint: This is with regard to the XXXX of TRID and a Closing Disclosure done in gross error by Quicken loans. Our son ended up signing a closing disclosure ( CD ) under duress to close his purchase on time. I have been 24 years in XXXX. My son bought a home in XXXX in XXXX XXXX Ca. He went to Quicken Loans. I told him to get used to the terms LE ( Loan Estimate ) and CD ( Closing Disclosure ). I was my sons main contact and authorized representative on his loan. I was forth right and asked almost daily about my son 's CD and about it being correct. I have all of the emails to Quicken. We gifted my son the down payment. With this the loan coordinator at Quicken called me on XXXX/XXXX/15 that I needed to get the remainder of gift funds into title or our son would not get his loan docs. I kept saying I had NO idea how much to take in since I had not seen anything. I was finally sent an email that we needed to deposit the amount of {$29000.00} so I ran the day before XXXX to the bank and wired the funds. Quicken confirmed he had the funds on XXXX/XXXX/15 at XXXX PST ( please see email below ). I like how he wrote I will not make any promises the numbers will not change. 
I have received the wire receipt. Most likely these numbers will not change, but I do n't want to make a promise that could change. I do not expect any changes, but I do n't want to set you up for failure. 
Thanks, I was all over Quicken for the CD. They kept telling me it would be coming. On XXXX XXXX my son called me in a panic. He said " MOM, I do not have {$32000.00} to bring into closing. I called the closer who was very rude and abrupt. You will be able to pull the call. He told my son and I he had NO proof or documentation that the gift funds of {$29000.00} were received. I told him no way and that this was the only way it could go to docs per emailed for the Quicken loan coordinator. My son signed the CD under duress since he would not meet his close of escrow date if not. 
Thank goodness we had an amazing title officer who sent me the buyers closing statement to our son showing him what was really needed to be brought in to close and what was true and correct. 
This is why you the CFPB put TRID into effect. Please look into Quickens unfair lending practices and the fact they are not following TRID nor do they care for the small consumer!

Company response to consumer: Closed with explanation