milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Letter was sent from Carrington Mortgage dated on XXXX received Sat XXXX stating that my Mortgage was behind 30 days and if I do n't pay XXXX in 30 day they will start forclosure procedures, I mailed XXXX payment also, that payment have not posted to account, I also made online payment today XXXX for XXXX a they put this on my credit report I have never been late on my mortgage in 16 years a check was sent and received by Carrington Mortgage and deposited on XXXX, The account # written on the check were to post payment. which they clearly did not do. I have read complaints on how carrington does business I 'm clearing unhappy, They have not sent mortgage coupon so I have to send check in regular envelope and write the account number on check for the to post to account ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX and I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are wrong, since the only names I have ever used are XXXX XXXX, at birth and XXXX XXXX. I have also never lived at : XXXX XXXX XXXX XXXX XXXX XXXX. This address belongs to my sister, XXXX XXXX. I presently live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and before that I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXX, XXXX, some of those addresses belong to my sister, not me. 

I am contacting you so that you may correct these errors and to make you aware of the fact that you are linking my financial records with my sister 's, XXXX XXXX, and my mother 's, XXXX XXXX. When we look at each others financial records we can see that we all share addresses and accounts that belong to one another. I have never had a XXXX XXXX credit card, but my sister, XXXX XXXX has. I need my financial account separated from that of my family, because of these errors, when I request a change of address, my families mail is also redirected, as it seems we are all the same person. I have provided documentation to prove my name and addresses, along with my mother and sisters information so that we may be separated from one another. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Citimortgage disbursed {$5800.00} out of my escrow account for my property taxes on XX/XX/2016. As of XX/XX/XXXX these taxes have not been paid. I 've called Citimortgage and told this is normal. XXXX County says they have not yet received the tax money. My money has been missing for 45 days now and the bank has made no effort to rectify the situation.

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 05/18/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a listing as XXXX XXXX XXXX on my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Ripple Labs Inc. (IL).
Issue: Money was not available when promised

Complaint: I purchased a total of {$500.00} US Ripple XRP 'S in XX/XX/2013 From Ripple Labs Inc. in XXXX XXXX, Ca. They were purchased with funds from my personal bank account through XXXX and placed into a Ripple 's Wallet : there were two or three transactions. It amounted to approximately XXXX Ripple XRP 's. XXXX credited extra Ripples for using their service. 

I was never notified of any changes and trusted this company explicitly to store my funds and be accountable. During the Spring of last year I found that the Ripple Wallet no longer existed. They directed Ripple XRP wallet holders to a new Wallet.  It was located overseas, I believe : called XXXX. They permanently shut their old Ripple wallet site down. 

I have followed all the instructions Ripple gave me on their website and have set up a XXXX Wallet. The migration directions do not work for me. I receive an error message that states my username does not exist. It should exist. 

An instructional e-mail stated I should use my secret key, which I have kept secured. I used the secret key as directed. I received an error message stating my secret key was invalid. My secret key should be valid. I never took any Ripples out. My Ripple wallet was never closed. 

Could you please assist me in receiving the Ripple XRP 's that I purchased in 2013. I will be happy to provide my username and password or the secret key or any relevant e-mails I have received from Ripple or XXXX regarding these transactions. 

Ripple has no way to communicate with customers with the exception of e-mail that does not answer the question as to what happened to my Ripple XRP 's. 

Please help me resolve this matter. 

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 11-08-2016 about Payday loan () with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: When I got the loan I was told I would pay {$150.00} finance fee for the {$600.00} I borrowed. It would be a total of XXXX payments of {$150.00}. Never got any notifications when payments were being processed for those XXXX payments, then got a notice that they were going to process another payment from my account. When I contacted them they stated that was the process and they apologized for the inconvenience but those payments were each finance charges because I had not paid back the {$600.00} yet. I believe this whole thing is a Scam. They originally sent me papers saying a finance charge of over {$3000.00} and when I talked to someone I said I no longer wanted the loan because that was crazy I was not going to pay {$3000.00} to borrow {$600.00}. And that when they told me I 'd only way the XXXX payments of {$150.00}. And be done.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: RE : Equifax data breach For 5 days now I have been unable to access Equifax breach website to determine my impact and to subscribe to ID theft protection. I can not get past XXXX screens despite multiple correct attempts. I have called help line and their response has been to try again later as site is experiencing high volume. I have tried over 5 days, multiple times each day and multiple ( as many as 10 ) times per access. Do they care? Are they allocating proper resources? Or are they experiencing a denial of service attack?

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried for several years to get access to my free annual report from Equifax. Each time it fails and they do not allow me access to my credit report. If I go to a paid site I am easily able to obtain my Equifax credit report information. Equifax is illegally stopping me from getting my free credit report and has done so for years. The other XXXX reporting companies have no problem with providing my report only Equifax and only when it is free.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX the virtual currency Bitcoin Cash was added to Coinbase & XXXX exchange. I had a balance of XXXX $ in my XXXX account at the time Bitcoin Cash was added. The price of Bitcoin Cash quickly began to rise so I put in a market order for XXXX $ at XXXX . ( I shouldve received at least XXXX Bitcoin Cash ) But due to the skyrocketing value my market order went through at a price of {$4700.00} $! ( Netting me XXXX Bitcoin Cash ) So I quickly went to sell because at the next moment Bitcoin Cash was at a price of XXXX $ on XXXX and coinbase ( I was supposed to have total XXXX $ if the trade went through successfully. When I went to sell I received the message post mode only. I even tried transferring XXXX coin from XXXX  to coinbase and received the message Bitcoin Cash sells are temporarily disabled the price remained at XXXX $ for about an hour then dropped to XXXX $ still not allowing any sells. The very next day the price chart on coinbase showed that the price of Bitcoin Cash had never even been to XXXX $ and not even to XXXX! So they allowed me to buy at an inflated price and not sell at an inflated price. As a multimillion dollar exchange this was a big red flag for me. So I have emailed and called customer service to try to get some compensation because this has not only resulted in XXXX $ immediate loss due to the malfunction but I have not been able to trade other crypto because they told me to leave my Bitcoin Cash there until a representative can fix the issue but havent given me any time frame to do so. I have screenshots of the price and the message when I tried to sell. It would be the best case scenario if they can honor my sell order of XXXX $ due to their mistake. But if they can not honor the sell then they shouldnt honor the buy either because they go hand in hand with one another and Id like a refund of my XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong name. XXXX incorrect. Not my name, please remove. Also length of credit history wrong. History is over 30 yrs

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
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: Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.

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 06-02-2015 about Credit card () with U.S. BANCORP (MN).
Issue: Billing statement

Complaint: I am a victim of identity theft and someone stole my US Bank Visa credit card and made fraudulent charges on my credit card account. I have sent numerous letters, police reports and copies of my personal identification to US Bank and informed them someone stole my US Bank Vise credit card and made fraudulent charges on my credit card account. US Bank informed me that I am responsible for the fraudulent charges. US Bank is violating the Federal Fair Credit Reporting Act. I wo n't send any further correspondence to US Bank in reference to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: A line of credit account was opened by BMO Harris without my permission. I did n't find out about the account until I received a notice that I owed {$25.00} for service charge.

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 11/30/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX is a debt-buying collection agency currently harassing me about an alleged debt. Their latest tactics include threatening legal action against me, which is a violation of the FDCPA. They have never validated this debt in any way and in no way is my filing a complaint an admission of this alleged debt owed. Since this debt-buying collection agency sent me a document via XXXX XXXX XXXX threatening legal action against me, I can only assume that they are also the same agency that repeatedly calls my home and cell numbers from multiple " spoof '' numbers, documented by my home phone company and wireless phone company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The company Trans Union had a system glitch that has violated the rights of their consumers under section 6.11 As a result I have been gravely affected and my score is suffering as this glitch result.No notice was ever given which is also a violation and I am requesting that ALL inquires be removed : XXXX Date XXXX/XXXX/2016 XXXX- XXXX XXXX XXXX/XXXX/2016 XXXX -XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016

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 09/21/2016 about Debt collection (Auto) with Viking Client Services, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was in an accident in a rental car. I submitted a claim to my credit card company ( XXXX ). The claim was settled. A third party company has called me multiple times over the last month claiming I owe the difference between the settlement amount and the damages despite XXXX confirming that the claim was settled and I do not owe the difference. When I have confronted them, they immediately backpedal and say it was a " mistake '' and they " see a note here '' that things are settled and fine. They quote a lot of numbers and try to be confusing, claiming they are doing everything to be " fair, '' that they record the call to make sure the consumer is treated fairly. This most recent time, when I asked for the caller to spell his first and last name, he would not do so and immediately told me that this was a mistake and he saw that I did n't owe anything. They changed the story from that I owed money to a story that XXXX had not yet settled. The first time they attempted this, I refused to pay until I had written confirmation from my credit card company that the claim had not been settled, and they kept changing the nature of the debt from a " service fee '' to a settlement charge. When I was adamant, they claimed there they just now saw a " note that this has been handled. '' It was clearly an attempt to get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: Loancare a XXXX company, have failed to pay my property taxes on my impound account. I contacted them back in XX/XX/XXXX, no resolution as of today.

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 04/18/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX issues : 1. I newly arrived the USA on an XXXX in XXXX, 2012, but could not obtain a Social security number until XXXX, 2012. I rented an apartment with XXXX, paid with my XXXX-based credit cards ( because I could not open a USA account. On XXXX XXXX, XXXX refused to accept payment by credit anymore and required that I pay through a bank account ; which I could not. 

Aside from this difficulty, the apartment was bug-infested. I made XXXX complaints in XXXX that I could not for medical reasons continue to stay in the apartment. After XXXX unsuccessful attempts to debug the apartment, I was offered another equally bug infested one. I moved out of my bugs-infested rented apartment. Residence management failed to attend legal arbitration when I reported bug infestation to the Maryland Attorney General. I signed out properly from the residence, assured that my rental agreement was mutually resolved. Yet, debt collectors have been on me since 2012, seeking to collect grossly overinflated claimed-default. Claims of a default have been listed on my credit report. 

2. I applied for a credit card with XXXX ( 5 ) times. On each occasion XXXX incorrectly reported that my credit score was XXXX ( XXXX ) ; even after I showed evidence to the contrary. I have had to close my account with XXXX because I never got any explanation for the erroneous credit score. XXXX credit enquiries within 1 year has affected my credit report, forcing me to secure credit at high rates. That is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my annual credit reports Monday XXXX XXXX, 2015. I was asked by the site " Annual Credit Report some question, most I think I answered correctly but when I pressed the next button, I was told my credit reports would not be fort coming. I seems that I did not answer all the answers to the computers liking. 
Many of the questions were really strange to me, such as what county 's have you lived in, I have lived in the county I now live in for over thirty years, one of the other questions was what make of car or cars have I owned. the County one got me for as you can see I have been in the county for over thirty years. 
When asked the questions that I was asked by Annual Credit Report, I am not sure what they want, since the really have no idea about me. They may try and lookup some information, but that does not me it is correct information, or that they have on their computer the correct information. 

I tried to call them but was unable to find a direct contact number where I would be able to talk to a live person and get this problem resolved. At the same time I tried to contact equifax and experian to talk to a live person, but constantly got told to go to their websites. 
I was able to contact XXXX XXXX an talked to a live person, and they told me that they would send a hard copy for both my wife and myself. 
At this time I feel that the Company that all three of the major credit reporting companies " XXXX, experian, and XXXX should be shut down, if I am having this much trouble trying to get my Annual Credit Report. 

Sincerely : XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting XXXX on my credit report enclosed this is not mine please remove it asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief