milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Payday loan () with Main Street Personal Finance (IN).
Issue: Charged bank acct wrong day or amt

Complaint: I took out a payday loan and went on payments. When first payment was due I was unable to make the payment. I contacted the institution and told them I had XXXX and was short on cash due to being out of work and unable to make the payment. I was told they would submit the check to my bank and once it was returned I could call and make payment arrangements. So that check was presented to my bank, returned nsf ( charged fees ) and then I called and made payment arrangements. They accepted a payment arrangement from me for XX/XX/2016 on my next payday. On that date, they ran my check through again and my bank cleared it with nsf fees. I do n't think it 's lawful that after accepting a payment arrangement from me that they could run my ck through for full payment. They never disclosed to me when I made the payment arrangement that they would run my check though on my next payday. They had accepted a payment arrangement from me and turned around and resubmitted my check, now my acct negative and I am unable to pay my utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Mortgage debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,  XXXX  we moved in this apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX , TX.  XXXX  and moved out to  XXXX , TX. on  XXXX / XXXX / XXXX , we paid everything that they required under the leasing contract, we had a walk-thru with th e Property Manager   XXXX   XXXX  and delivered her the apartment in top structural and sanitation condition, we signed a release form with her and moved out, to our surprise, abo ut 3-4 months later we got a letter from her stating that we had a balance of {$120.00} due to carpet damage, cleaning of tub and hangers ; we delivered the apartment in a very good condition, the carpet was shampooed and no tear or spots on it, the tub and hangers were totally clean and disinfected by us . We think that since we were selling some items to avoid transporting and braking them, we had offered her our new TV set for a price that she did not want to pay and she was hoping that we were going to let her have it for peanuts. We did not sell it for such a low price and decided to bring it with us, so she got upset and later started this false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XXXX ''. It is now XXXX, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Want to dispute account need full validation that's on credit reports by XXXX XXXX XXXX   Date : XX/XX/2018 Amount {$1000.00} Date is incorrect Company continually adding to report and contacting from a 3rd party agency Need full validation of account being accurate

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: We have tried to get this company to do the correct thing in removal of in correct items off our Credit Reports ; to only encounter prolonged wait times and each time taking an additional 30 days when the item was not investigated properly for removal. Supportive Information being sent over and over to not get the results due the consumer. Often this keeps score lower than they should be and incorrect denials of Credit due to inaccurate items on your Credit Report. You should not have to wait an additional 30 days once the initial complaint is filed this should get this investigated for automatic removal an a re-score sent to the company that rejected the consumer with a explanation as to what happened with your 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 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I got an alert from Transunion about a collection account filed from XXXX XXXX , XXXX for {$300.00}. This account was deleted from XXXX on XXXX/XXXX/16, an XXXX request to delete was submitted, why is this account now showing in Transunion. The compliance offer from XXXX XXXX said this is a mistake and should be removed, you can reach him at XXXX XXXX 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 03-01-2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to Chase and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors (XXXX, XXXX XXXX, XXXX / XXXX) rest all are not recognized and authorized by me.
So these hard inquiries should be removed from account. 

I tried calling Transunion but they said they won't take care of it and cannot delete these hard inquires.

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 04-09-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (MS).
Issue: Credit decision / Underwriting

Complaint: Greentree mortgage keeps calling me on my cell phone and leaving messages on my voice mail for a XXXX. I have called them several times and told them they have the wrong number. I also emailed them today, but still got another call. The last caller could n't even give me my phone number. She asked me is this you number XXXX times and neither was my number. The voice mails ask XXXX to call XXXX. Today the call returns have showed XXXX and XXXX. I do n't think they believe me. They have previously called me a wk to a month ago and I called them back and told them my number was not XXXX 's. Also, when I call their numbers back the automated system always wants to know my last XXXX of my ssn. I will not give that. The XXXX said I should file a complaint with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Experian is currently reporting a reinserted debt on my credit file from  XXXX   XXXX . It was first reported in  XXXX  ( report #  XXXX   XXXX . I disputed the debt with  XXXX   XXXX  through the CFPB on  XXXX / XXXX / XXXX . it was then deleted. now in  XXXX  the debt is re-reporting on my credit report. This is a violation of my rights and the credit laws. I tried disputing the reinsert with Experian was given the response that it was verified. I contacted  XXXX  and was never given a  XXXX . this account is not mine, i never opened an account with  XXXX . i have not received a response from  XXXX  and the dispute was submitted on  XXXX / XXXX / XXXX . This debt was removed from all other credit bureaus but Experian is still reporting it after it was previously deleted in  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 09-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( Wells Fargo ) contacted me with a letter saying that they were going to start the foreclosure process on my home I own. I contacted them and they told me that I missed my XX/XX/XXXX payment. I told them that was impossible since it comes out of my account automatically. I then furnished Wells Fargo with an official letter from my bank ( XXXX XXXX ) with a trace # showing that the payment was made back on XXXX XXXX. To this day they still have not resolved the issue and my credit is suffering due to their mistake. Today I received a call from a lady saying they needed more information from my bank and that I had to get it for them. I told them to email me what they needed and she said they did not do that. I called my case manager who has been handling this for almost a month now and he is away for the weekend. Enough is enough now. My credit is suffering and I am getting collection calls from the bank because of their error!

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 01/14/2016 about Consumer Loan (Vehicle loan) with PENTAGON FEDERAL CREDIT UNION (GA).
Issue: Managing the loan or lease

Complaint: I have an auto loan with PenFed that they refinanced for me in XXXX. The loan was refinanced from XXXX XXXX and I have now received a letter stating that PenFed has raised my interest rate from XXXX to 14 % since XXXX did not release the title to them. My husband has contacted XXXX numerous times as the title was in his name and they have stated they have released the title to them. My husband also contacted PenFed about the issue in XXXX and they stated this was an error and my husband even opened a checking account with PenFed the same day. This is a fixed rate loan that should never should have been raised and PenFed before releasing a check to XXXX for the payoff of the vehicle should have obtained a copy of the title before doing so. I can not get them something I do not have and will not be held at fault. This is completely unethical. I am very saddened as PenFed has always been a good company to me but this is the worst financial injustice I have ever encountered in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan was in deferment because I went back to school after  XXXX . I needed to extend my deferment because the initial length was not long enough. Reason being I was enrolled in a   XXXX   XXXX   but decided to get a  XXXX    XXXX   through a program at my work. I called Navient multiple times to try and get my deferment period fixed and got little results.  XXXX  mishandled my paperwork and did not file my request. The result ended up being my deferment ending pre-maturely, the accrued interest from my deferment being applied to my loan principles then a day later my deferment started again. Essentially, they messed up my paperwork, added thousands of dollars to my loan balances and when I asked for a recording of my phone calls to them for my recorsd since it was clear they had made mistakes they at first said " Yes, we can absolutely send you copies of the calls '', then the woman went off and spoke to her  manager and to ld me if I wanted the call recordings I would need to get a subpoena from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested our mortgage lender, OCWEN Financial, cancel our PMI because we should be qualified to do so at this time. I have emailed them 3 separate times and they have continued to ignore my requests. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with Smith, Rouchon & Associates, Inc. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have called place of employment in spite of being told in past no calls to place of employment. 
Called CELL phone, in spite of being informed cell phone is company cell phone. 

Multiple calls to home phone, and with call blocked, will turn around and call multiple back yo back times. 

Have NEVER first received and kind of notification of debt that are trying to collect via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Confusing or missing disclosures

Complaint: I am trying to remove a cash balance from my Coinbase account - USD Wallet. My bank is n't listed in their list of banks. Ca n't contact support because they are on some sort of crisis mode and my problem is not listed on their priority list. Went through all the automated support options to no avail. It is under {$10000.00} so I can not do a wire transfer. They took their fees and all I am getting is a wall. Just want my money in my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Other

Complaint: I bought kitchen backsplash tile from Lowes on XXXX/XXXX/2016 and had it installed on XXXX/XXXX/2016 by a subcontracting company called XXXX XXXX. The job was botched and confirmed by XXXX XXXX. The company offered to fix the job but I wanted a full refund. I 've been following the formal complaint procedures for 2 months and still do n't have a refund of {$1800.00} against my Lowes credit card.

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 04-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I lived outside the United States for XXXX years until XXXX 2014, for this reason I had no existing credit rating, even though I was born here and had a social security card. I now find that while I have a XXXX passport, drivers licence and registered to vote and for health insurance ... ..I can not get a mobile phone contract because Experian is giving the impression that someone else is using my social security number. I have uploaded documents to their site, mailed them documents. After waiting for two months and no response from Experian whatsoever, I was only able to finally contact them via XXXX and was then directed to a call center in Texas that took more than XXXX minutes of hold time to actually speak to a representative. He told me I would have to go to the Social Security Adminstration for 'verification ' of my number. I called them and they say the do not issue XXXX. I am between a rock and a hard place. I have no delinquencies. I have XXXX active credit cards but it seems they do not report to Experian. There seems to be no solution on offer ... .and I appear to have a false black mark on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Medical) with Keynote Consulting, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt belongs to XXXX. We were separated for 2 years and in divorce preceedings prior to her getting medical services for her XXXX with another man which was deemed to be her and the fathers debt by the court. 

The court ordered that all debt from this XXXX be paid by XXXX. 

The court order preceeded the debt collection. 

Some how the debt collection agency is allowed to put a collection debt on my credit report. After speaking with the collection agency, they are unwilling to remove this debt from my credit reports even though mine and XXXX divorce is final and I 've received notice that the funds in our divorce trust will be released which includes the {$300.00} for XXXX medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: After XXXX 's security lapse I froze my credit account through an online automated system without the help of a real person. I have tried and tried and tried to speak to a real customer service representative at XXXX to temporarily unlock my credit but get nothing but automated responses. After an hour of truly agonizing and frustrating calling of various phone numbers posted, I got nowhere. I 'm sure you as the reader of this complaint have been in the same situation with some corporate giant. These companies must be held accountable and easily accessible since they control our lives. Please help force these companies to be responsible not just profitable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America modified my loan in XX/XX/XXXX. I made my payments as scheduled in the amount due shown on the notarized form. Almost a year later, Bank of America sent a payment back to me stating I was n't paying the correct amount and that they were putting my home into foreclosure. I have had problems with this mortgage company ever since. Bank of America was most recently supposed to be " working with me '' to modify my home loan to prevent foreclosure / remove my home from trustee sale slated for XXXX. Bank of America asked me to submit documents, which I submitted and I have been waiting for more information from Bank of America. Today, I found a " written demand of surrender and possession '' notifying me that my home was SOLD at the trustee sale on XXXX. I have contacted many people this morning at Bank of America, to no avail. They have told me to " call the foreclosure attorney '' listed on the notice. I contacted the person listed on the notice, who is not an attorney, who states I have 5 consecutive ( not business days ) to vacate the premises. The contact person states " this happens all the time '' - the Bank tells the home owner they are going to work with them and then they sell their house. 

I have had ongoing issues with Bank of America since they purchased my loan. I only want to pay my mortgage / stay in my house that has been my home since it was built in XX/XX/XXXX - and now I 'm told I have 5 days to vacate and there 's nothing I can do about it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed a collection account from XXXX XXXX XXXX because the information was unfamiliar therefore inaccurate. I submitted a dispute via XXXX mail and I received an email from Equifax stating that the account had been " verified. '' None of the original creditors info was included as far as dates payments, date of XXXX delinquency, a signed original contract between me and the original creditor, a contract between XXXX XXXX XXXX and the original creditor giving XXXX the rights to collect on this debt. I asked for all these things in my letter and they were not provided from Equifax nor XXXX XXXX XXXX. Attached are the results of there investigation, this does not validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Medical) with Audit & Adjustment Co. Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been trying for over a year to get this account off my credit file and I have been unsuccessful. This account is not mine and it has been removed from my credit file at XXXX of the XXXX agencies but it remains on the XXXX, 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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 requested validation of a debt listed on my credit report from XXXX XXXX XXXX also listing their information as XXXX. I have never borrowed any sum of money from the XXXX and I have asked them numerous times to prove the loan source. None of this information is listed with the XXXX XXXX XXXX which is the actual lender for school settings.

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