milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Debt collection (Federal student loan) with Ceannate (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i 'm force to pay money I do n't owe, I have money taken out of my check. I care for husband with XXXX this service has refused my notices, letters ect.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (WA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase ; XXXXXXXXXXXX is the account ID : Bank reversal from XXXX weeks ago in the amount of {$410.00} has locked all of my funds now in Coinbase where I have {$1000.00} XXXX Coinbase support still has not unlocked my account to let me buy sell to cover the {$410.00} bank reversal. So, I put the {$410.00} onto a card for Coinbase to get. Coinbase said they were going to take it off card but did not and account is still locked. I told them they can also just take it out of my account as I have enough to cover it. I NEED MY ACCOUNT UNLOCKED TO GET TO MY MONEY! 
In attached copies of emails, you will see that XXXX guy ( coinbase support ) told me to replace the digital funds ... which would now cost me twice the amount. NO!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Enhanced Recovery from Direct TV in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! YOU ARE XXXX COLLECTION AGENCY TRYING TO COLLECT A DEBT THAT HAS BEEN TAKEN CARE OFF YEARS AGO! THIS DEBT WAS PAID THROUGH CENTURY LINK AS A BUNDLE!!! REMOVE THIS OFF MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX ( 3 mos ) {$920.00} MIDWEST RECOVERY SYS ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Medical group billed the wrong insurance on multiple occasions. Correct billing information was provided repeatedly. Spoke to multiple representatives who all confirmed they billed the wrong insurance company. Spoke to my insurance who confirmed they did not file a claim and asked them to fax it for immediate processing, which the medical group claims they can not do. Always maintained constant contact with the medical group and now received a letter from collections agency for full amount of bill and confirmed AGAIN that claim was NEVER filed with my insurance company. Sounds like fraudulent attempt to collect 100 % of cost instead of discounted cost required through insurance. Why else would they not make every attempt to bill the correct insurance company ... .even when they 've been given the option to FAX the claim in?!

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 12/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have advised this company before that my identity had been compromised and they still fail to keep me safe. Everything on my report looks correct as far as i cal tell with the exception of a couple accounts that are not mine, however the purpose of this complaint is because i have not been seeking any credit yet i see inquiries on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX submitted my information to XXXX XXXX XXXX for not paying for homeowners insurance coverage. XXXX never insured my home for the duration that I have owned it. XXXX  alleged they covered the home from XX/XX/XXXX to XX/XX/XXXX. I was not the homeowner. I purchased the home onXX/XX/XXXX I provided XXXX XXXX XXXX with documents showing I closed on my home XX/XX/XXXX. XXXX XXXX  is committing fraud. I can not legally insure a home that is owned by someone else. XXXX is requesting that I prove I did not live there during the month they are claiming they insured it. Home owner 's insurance can only be secured by the owner. My credit score has dropped because they falsely reported me to the credit bureau. I contacted XXXX for a quote with the anticipation of closing on XX/XX/XXXX. We did not close until XX/XX/XXXX, at which I went with another insurance company. I could not file a claim with XXXX XXXX on a house owned by someone else. If the house would have burned down, I would not have been able to file a claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: Yes i have a checking s account at regions bank. I am opt into the program that allows the bank to pay your checks if you exceed a few dollars. Regions have been charging me overdraft fees and funds that XXXX for the checks clearing. They are crooks. if Im opt into the program why are they charging XXXX charges of XXXX for each merchant. if I go to my account and look at a XXXX charge it cleared the next two days they rearranged the draft and let other checks clear to make me have to pay more XXXX chrges. example :. wrote a check for XXXX on XXXX/XXXX/2015. several small merchants checks has cleared my account on XXXX, then later, I check my account the date of XXXX/XXXX/2015 has changed to a later date and the XXXX check cleared on XXXX/XXXX/2015 and the several small amounts where considered as overdraft and non-sufficient funds-with a date of XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In the best non-detailed description of what I am going through starts off with me applying for a job position with a company in the middle of XX/XX/XXXX. During the process of the interview I was giving my social security number to the HR Manager to input to her system to send to, what I eventually see through a letter in my mail, a " XXXX XXXX XXXX XXXX XXXX '' During the interview process however, I give the HR Manager a wrong SSN due to memory and she unfortunately submitted the file already before I could tell her my correct SSN a few seconds later. Two weeks go by and I hear nothing from the company that I applied to and the letter comes in my mail from them with the company they use for background checks. It has my name, address, date of birth, and WRONG SSN that produced the report mailed to me. 

Note that with the information I provided the company for a background check, everything seems to be " Full matched '' and used by this background check company " by the following identifiers : Last name, First Name, Middle Name, DOB '' as well as my address and WRONG SSN in easily readable format with criminal charges personally I never been charged with. Two scenarios are in my head with my concerns. First, the background check company that is able to manipulate a LEGAL DOCUMENT WITH NUMBERS THAT IDENTIFIES YOU FOR THE REST OF YOUR LIFE, with most likely a date of birth and of course a name associated with it, AND CONFUSE IT WITH ANOTHER LEGALLY IDENTIFYING NUMBER THAT IS VERY IMPORTANT. Secondly, if my First Name, Middle Name, Last Name, and DOB has a criminal charge on file that someone inputted, who is to say I do n't have another one or when I 'll have another one?

I am investigating my situation first thing in the morning with the companies involved since the day I write this is the day I found out.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit card () with PAYPAL HOLDINGS INC. (NH).
Issue: Late fee

Complaint: While on an extended vacation from XXXX XXXX 2015 to XXXX XXXX 2015 traveling across several states I did not receive my PayPal Credit statement with a balance due and subsequently on the next Statement that I did receive was billed a late fee of {$25.00} with interest charge of {$2.00} ( {$27.00} total ) for a purchase totaling {$62.00}. I submitted one XXXX web site contact email requesting to have the late fee and interest removed, have received no response from XXXX. I subsequently submitted an email to the Director of Investor Relations of XXXX requesting the late fee and interest to be removed with no response. This is the first and only time I have been late in making payments against my PayPal account - we use other credit cards extensively without ever triggering any late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I went to XXXX XXXX downtown to trade my car in and purchase a new vehicle..While under the impression my car was being traded in, i found out i now have 2 car loans on my credit..Now that the new car is repossessed, I'm having a hard time trying to get my credit fixed when i told the manager that i was under the impression that it was a trade in.. I feel this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX of 2015 I went into a DriveTime dealership. They advertise being able to assist with low credit situations in which they GUARANTEE vehicle approval based on income. I feel that ever since I set foot into the dealership I was steered the wrong way due to a desperate situation. I am a new father with a XXXX week old newborn. We needed a safe vehicle prior to delivery of our newborn. They preyed on me in this situation and gave me like a 28 % interest rate on a XXXX. Prior to purchase XXXX stated vehicle was valued at about {$10000.00} which drivetime purchased at auction. Vehicle had previous accidents in which the AUTOCHECK report was designed to not tell you all about the accidents. LONG STORY SHORT, I was sold a vehicle at around 22 % interest but only after providing {$2200.00} cash down. The payments are costing me a WHOPPING {$430.00} PER MONTH ON A XXXX!!!! DO NOT GO WITH THIS COMPANY! IF DRIVETIME WOULD LIKE TO ACTUALLY ASSIST ME IN RESOLVING THIS MATTER THAN I WILL GLADLY MARK CASE RESOLVED. OTHERWISE STAY AWAY EVERYONE! THEY WILL TAKE ADVANTAGE OF YOU AND YOUR SITUATION. THEY 'RE QUICK TO REPOSSESS TOO AND THEY WILL CALL YOU A XXXX TIMES THE DAY AFTER A PAYMENT DUE DATE. THEY HAVE ALSO VIOLATED DO NOT CALL LISTS MULTIPLE TIMES IN WHICH I COULD SUE FOR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (NJ).
Issue: Settlement process and costs

Complaint: Started the refinance of home mortgage process with cash out option on XX/XX/2016. Necessary documents were submitted by XXXX. After initial review, got good faith estimate with loan amount and closing cost. Based on this estimate, a deposit of {$350.00} was made towards appraisal. Appraisal came with lesser amount by {$5000.00}. Agreed to reduce the loan amount to that extent. However, got a revised estimate which was less by {$30000.00} and with additional closing cost towards points etc. In between got numerous revised estimates with different loan amounts and closing cost. It took more than 2 months to reach any definite closing document. Hence, want to get back the deposit of {$350.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted loan modification but they denied it. They said I have other option which is Short Sale with HAFA. I have submitted and qualified for HAFA. They sent me letter and asked me to list the house as the price they approved and told me they will postpone my sale date until they complete marketing period. My agent informed me that the sale date is on XXXX/XXXX/2015 and she tried to contact negotiator but no response. I could not understand that we do have paper show they will help to postpone the sale

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (FHA mortgage) with NETWORK CAPITAL FUNDING CORP (VA).
Issue: Application, originator, mortgage broker

Complaint: There are some mortgage companies that pulled my credit with out my permission and it want all of them off my credit report i did not give permission to have my credit pulled i am working with one lender and now it did not though casue of all of this other being pulled it is not right i wan this fixed as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX our mortgage was transferred from XXXX XXXX to Carrington Mortgage. We started to get all the paperwork regarding the transfer and on XXXX XXXX we got some more information. On the XXXX XXXX at XXXX I called XXXX. The call lasted 6 minutes and 37 seconds. I will be attaching a screenshot of that phone call log that I took on my phone. What I was calling to ask about was how this works as I have never had a mortgage change financial institutions before and there was some verbiage in there about 60 days and I needed to know what that meant. When I asked about this letter and what the numbers meant I was told i had 60 days to make a payment. Which would make it XXXX XXXX my first payment was due. The lady on the phone confirmed and repeated that. So I took that as i did not have to make my first payment until XXXX XXXX. Fast forward to Some time in XXXX and I get a letter that we are past due on our first payment. I then called in to ask about this letter and I explain to this person that I called back in XXXX and was told my first payment was not due until XXXX XXXX. They said that was incorrect and that it is due now. The person on the phone said they would start an investigation into this. I did not hear back for a month. I called back and they said they never found that call on my account. I had to gather all my evidence and send it to XXXX XXXX fax ) which was their research team. I got on XXXX XXXX from their research team that they received my request. It also mentioned that we owed XXXX Soon after I got a letter from their research team saying they can not find my call. We then agreed that i would make payments to catch up and it would go into an unapplied balance and when that unapplied balance reached the amount due it would be used to pay that. So now fast forward to XXXX and me and my wife are trying to buy a car for her that gets better mileage as she will be driving to school a couple times a week. We get our credit report and our score is very low. Turns outs Carrington Mortgage has reported us 3-4 times for being late on payment even though they agreed that would n't be the case as long as i made these payments. This in turn has killed our credit and is stopping the ability for us to get a good loan for a car for my wife to go to school in. I had to borrow money to pay off the rest of the loan now that I know that they will keep reporting me. Carrington Mortgage has lied to me to many times and they are not trustworthy. I do n't believe they have my best interest and hope to get out as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed XXXX medical bills on my credit report. XXXX and experian investigated the accounts and the accounts were removed ( collection agencies could not verify accounts ). Equifax is still reporting the information incorrectly on my credit report. Equifax now reports XXXX of the accounts as paid and the third account as owing a balance. I explained the errors to Equifax and informed the rep that these same accounts were removed by transunion and experian. The Equifax rep stated that they can not remove the accounts for 7 years and that I needed to contact the collection agencies myself. After further discussion, the rep then offered to dispute the bill that showed a balance owed. I informed the rep that I disputed all three items on XXXX XXXX and I should not have to give the collection agency another 30 days. The rep repeated that they could not remove the items for 7years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (GA).
Issue: Trouble during payment process

Complaint: Flagstar Bank issued a check to me dated XX/XX/XXXX in the amount of {$2200.00} ( attached ). There was no documentation attached. The check notated " For Misapplication Reversal. '' I contacted Flagstar Bank on XX/XX/XXXX for more of an explanation, and was told the check was in error, further stating that XX/XX/XXXX mortgage payment was reversed and must be paid again, in lieu of the check received. Note : XX/XX/XXXX  mortgage payment is XXXX. I suggested sending the check back, and was advised this is not a good option, as it would slow the process down, or result in reissuance of the same check. Meanwhile, XX/XX/XXXX  payment incorrectly reflected as " unpaid. '' To avoid negative reporting history, I deposited the check on XX/XX/XXXX and paid XX/XX/XXXX  payment for a second time. Bank payment receipts are attached. 

Upon researching " For Misapplication Reversal, '' I located United Stated of America Consumer Financial Protection Bureau Consent Order document File No. XXXX against Flagstar Bank. I am a consumer improperly denied a loan modification in XX/XX/XXXX. As a result of denial, and Flagstar 's unwillingness to assist my family in the financial hardship following the loss of our child and wages, we filed Chapter XXXX in XX/XX/XXXX. The Chapter XXXX was discharged XX/XX/XXXX. 

Additionally, Flagstar Bank recently sent inaccurate documents regarding late payments. The latest dated XX/XX/XXXX is attached. When inquiring with Flagstar, responses were that the documents were sent in error and to disregard. 

Due to the numerous non documented errors by Flagstar and awareness of Consent Order, I am requesting an investigation to ensure that any monies owned to me by Flagstar are properly paid. 

Thank you.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09/20/2016 about Credit reporting () with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.

Company response to consumer: Closed with explanation