milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NC).
Issue: Trouble during payment process

Complaint: My Husband and I Have a 20 year fixed note and we took out the loan in XXXX and the maturity date is approaching which is XXXX within 4 months to be paid off and we received a statement from Citimortgage saying that we owe XXXX which looks like a balloon payment and its not, it is a fixed 20 year note. 


I spoke with Citimortgage on XXXX/XXXX/XXXX yesterday and the representative that I spoke with said they took out more interest than principal and I asked to speak to his manager and he put her on the phone and she said to me so the explanation he provided to me was not to my satisfactory and I said no and i would contact the COB and CFPB and she said she noted my account with that information as they were no help to me. He also said if we did n't have the {$15000.00} to pay this loan in full in XXXX that we would be directed to a special department who would arrange for payments which will look like it is in a default status and my husband and I have great credit ratings in the 700 score range and that would hurt our credit. Please investigate this as I believe all these years our account has not been handled properly and they applied more interest than what was suppose to be applied?

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 11-07-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: According to a new collections account on my credit report from Midwest Recovery Systems, I apparently took out a payday loan from XXXX XXXX on XXXX XXXX, 2012 and defaulted on it in XXXX. I am contesting that this is inaccurate, I never took said loan. This fraudulent activity is now part of my credit report and is a misrepresentation of my score. In addition, Midwest Recovery Systems never sent correspondence to our address prior to reporting it to the credit bureaus. As a matter of fact, I have never heard of either company before, and am reading nothing but complaints and investigations involving this same type of situation. Midwest claims to be a XXXX party collection agency that reports to the credit bureaus, and apparently continues to get away with scamming innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am in collections with XXXX for a charge of {$2200.00}. The debt collection was sent over to Amsher, who then sent it over to their attorney office, XXXX XXXX located in Alabama. First off, I have never received anything through the mail from any collection agency regarding the debt they are trying to collect. Once I received notice that their was this collection against me through checking my credit report, I called Amsher in order to dispute the debt. Amsher told me that I had to go through XXXX for anything further since the account was transferred over to them. I have now been in contact with XXXX for about three weeks and they have been very unprofessional. I sent over a police report on XXXX XXXX, stating that the phones were stolen out of my vehicle back in XXXX and they stated that in order for the account to be settled that they had to send the police report over to XXXX. I have called XXXX today and they said they never received anything. I then called XXXX 's office back and the individual I spoke to was very improper using slang and profanity towards me, then hanging up on me twice. While talking to him each time I asked to speak with a supervisor the two different times that I had called and the same man I was transferred to stated that there was not one for 48-72 hours and that he would not transfer me to anyone else. All I was asking for was an email of some sort of dispute validation that I asked for back on XXXX XXXX and the man keeps informing me that they are not able to send out anything to me stating that I am disputing it. He said I need to ask XXXX for that, but XXXX 's corporate office is stating that since the account is in XXXX 's hands that they need to be the ones to send me a dispute validation. XXXX 's customer service is refusing to send me over any validation that I am disputing the charges, claiming that they sent over the police report to XXXX, while XXXX is stating that they never received anything, and the customer service representatives are being very unprofessional and ending the phone calls on me without giving me the proper information and not giving me answers to any questions that I ask. I am trying to receive this validation of dispute so that I can get this taken off of my credit report as soon as possible because it is affecting it drastically and also because I was in the process of purchasing a new home and this is effecting the process. I want to see if I am able to get my debt transferred over to anything collector or if I can just receive a dispute validation at the very least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with Westlake Services, LLC (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am attempting to pre-qualify for a home purchase. I was informed that my finance company for my vehicle ( Westlake Financial, XXXX XXXX, CA ), did not submit credit information for my vehicle purchase to the XXXX credit bureaus. Westlake Financial told me my credit report with XXXX showed a discrepancy. I was instructed to secure a Numi-lite letter from the Social Security Administration, but they no longer do these. I was then told by Westlake to have the XXXX credit bureaus send me letters showing a correction. I secured it and sent the information to Westlake, however, when I tried to follow up I was given XXXX different versions of the amount of time it would take to correct it. It 's been 32 days since I forwarded the corrected information to Westlake and its been over 2 months since this whole process began. Westlake still has not completed a review and forwarded my car purchase information to the credits bureaus. They indicate it could be another 2 to 4 weeks ( total review time of 6 to 8 weeks ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My Experian credit bureau was pulled by  XXXX   XXXX   XXXX  on      XX/XX/2015 .   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice a few months ago from Linebarger Goggin Blair & Sampson, LLP and I immediately returned a letter to them disputing the debt. Today I received a XXXX collection notice as if they just ignored my first letter disputing the debt. The alleged debt is a Toll. I do not have a car with the license plate identified on the notice nor do I have a car in my name that has ever been to Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NE).
Issue: Money was not available when promised

Complaint: Dear CFPB, I withdrew XXXX Litecoins from Coinbase as a sell and wire transfer to my bank account on XX/XX/XXXX. I figure that it might take a couple days to process and go to my bank checking account so i waited to check. I then went back on coinbase to check the process on XX/XX/XXXX and found that the wire transfer was processed on XX/XX/XXXX to my bank on XX/XX/XXXX, but no funds were in my checking account. I then went ahead and sent Coinbase an email on XX/XX/XXXX expressing my concern. I heard nothing from them in the next couple days. I decided to give my bank a call to see if they were holding the wire transfer and was told that there was no pending wire transfer into my account. I then decided to send Coinbase another " Follow Up '' email on XX/XX/XXXX since i did not hear any response back from my previous email on XX/XX/XXXX. I was looking for some assurance that my funds were not lost. I did not hear anything from them to this date XX/XX/XXXX. I called my bank again and they said that there are no wire transfers in the amount of {$2100.00} ... I also did a support request on Coinbase including all the information of the withdraw i made about a week ago and still have not heard anything back from Coinbase. I have even sat on the phone with them for 40 mins trying to speak with an actual customer service person over the phone before hanging up because of the wait. Please help me get an answer from them so i can receive my funds from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (I do not know) with Alorica Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I want to pay off student loan. West Asset Management attached my wages. XXXX is responsible for loan according to IRS. Ca n't dispute Ca n't get a detail history stating all fees and charges add onto loan. Called XXXX in XXXX 2016 to request this information. As of XXXX 2016 no payments have been taken out of my pay and fees are being added. Do n't know who to make check out to or where to mail a check to completly pay off loan. Several diffent collection agencies have added fees onto this loan, but I do n't know how much. West Asset Management and XXXX collection servies. I just want to pay what I owe and be done with this. Who do I need to contact? How can I get the information I requested from XXXX and West Asset Management?

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE has failed to respond to my letters. I have requested a validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from CMRE and they continue to report it on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with Colony Brands, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: seventh avenue at XXXX XXXX XXXX XXXX wi XXXX first off this is not my debt and also it has been put on my credit report. I called the company and several laws were broken due to FDCPA, the rep did not verify who they were speaking with, disclosed a debt that did n't belong to me also there was no call discourse done which are clear violations of the law. this company has put this on my credit report in 2007 for a XXXX debt. I have advised them it was not me and I am DEMANDING the trade line on my credit report is removed or I will be pursuing for laws that have been broken by there management staff and I would suspect it would cost a lot more than XXXX when I hand over the recording. also I would suggest that the owner or COO or board of directors contact me due to the fact that over XXXX and a law suit that would coast much more would probably not be acceptable, also I will be going to the news, social media about this situation. bottom line REMOVE THE TRADE LINE FROM MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Unable to complete dispute on Transunion site. Credit card charge off is not mine and I did not apply for it. It belonged to ex spouse and is part of her bankruptcy claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: An account that was in collections with a company called Enhanced Recovery Company for an old cell phone through XXXX was re-aged on my credit report. I contacted ERC and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called XXXX XXXX XXXX and they have a date or account being opened as XX/XX/2017. I attempted to contact XXXX by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by ERC and it seems they not only re-added the account they sold it to another company and that company re-aged it.

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 08/18/2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (NY).
Issue: Managing the loan or lease

Complaint: I returned my mini cooper XXXX on XXXX/XXXX/XXXX and was recently contacted by MINI that upon my lease end inspection I owe a staggering amount of money. They charge a flat fee of {$750.00} for having the service light on even though I took my car in for its annual service and was only within XXXX miles of needing service. I did not even know the service was due having had gone into the digital menu to check. They charged me {$950.00} for external " hail damage '' to my car, the pictures that were provided do not clearly show the " damage ''. Since getting my yearly inspection I would think my tire tread would have been checked and replaced if not having met requirements but instead they charged me {$200.00} because my tire tread was not thick enough, even though I was significantly under my mileage requirements. I believe I am overpaying and will have a hard time affording this extra monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Payday loan) with Filings and Claims Inc. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: People are calling my family threatening to have me arrested saying they have to get ahold of me for a court summons They leave this phone number XXXX and a case number. They call my family everyday and have even threatened to throw them in jail if they do n't find me. XXXX family member received XXXX calls in one day. The loan was over 3 years ago. I 'm now on XXXX and ca n't afford anything right now.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: One day past due on the payment so Conn 's calls 10 or more times a day. Ive asked them to please stop calling me so many times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a 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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Per Certified Credit Reporting Report # XXXX, XXXX, XXXX, and Experian have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - aka : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this 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 non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Disputing the fact that Experian investigated properly, they claim they verified the reports, well great, I sent a demand letter wanting the proof of all verification supported with proof of documentation sporting my signature on each verified account. XXXX is a medical collection, they at no time ever got my consent in writing to share or obtain my medical records. accounts were not marked disputed, and Experian actually sent me a letter stating they had no intention of re-investigating my dispute, they also failed to remove old addresses in accordance to my written letter to them.

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I want to file a complaint on Trans Union Consumer Reporting Agency in XXXX, PA XXXX. In XX/XX/XXXX my credit score was lowered and, I was denied a mortgage loan due to the lies provided to the lender by Trans Union Credit Reporting Agency. For the past 6 & years Trans Union has been reporting incorrectly that my XXXX XXXX Visa account is an adverse account & that it was included in a XX/XX/XXXX bankruptcy. This information reported on my TU credit report regarding XXXX XXXX is false! 

My First dispute letter to Trans Union regarding this matter was XX/XX/XXXX, the second request was on XX/XX/XXXX. 
TU said they contacted XXXX XXXX both times and confirmed that Adverse account information was correct and it would remain on my TU credit report! THIS WAS A LIE & TRANS UNION WAS NEGLEGENT! 

The information reported on my TU credit report regarding XXXX XXXX   is false. My account with XXXX XXXX is NOT NOW, & NEVER HAS BEEN ADVERSE, but IS open and in good standing, and has been since XX/XX/XXXX. My account was NEVER closed or included in a bankruptcy in XX/XX/XXXX, because it is a SECURED ACCOUNT BACKED BY MY DEPOSIT! As a matter of record I have been over paying my XXXX XXXX accounts before the due dates since XX/XX/XXXX. 
I have spoken to XXXX XXXX on XX/XX/XXXX, ( XXXX XXXX XXXX ext XXXX ) XXXX XXXX have assured me that they NEVER AT ANY TIME REPORTED TO TRANS UNION that my account was ADVERSE OR INCLUDED IN ANY BANCKRUPTCY!

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 10/26/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Advertised on Bank of America 's website was a promotion for opening a new savings account. I opened an account and deposited the money ( >  {$150000.00} ) on XXXX/XXXX/XXXX. 

After meeting the terms of the promotion, I noted the promo money ( {$500.00} ) was not deposited into my account. I phoned BOA on XXXX. After being on the phone for one hour with the representative, she located the promotion and told me the amount would be deposited in my account within 3 days. 

On XXXX/XXXX/XXXX BOA phoned me and advised that I would need to bring a copy of the promotion to my local branch as " proof ''. I complied. The branch manager ( XXXX ) scanned it into the database and I received a call today ( XXXX ) from XXXX that the marketing department was refusing to pay the bonus because the promotion was only for targeted customers. 

The promotion was advertised on the public website so I am unsure how the promotion can be only for targeted customers. There is no mention in the promotion that only certain humans qualify. The copy of the promotion is attached. This is yet another example of the nefarious practices of big banks.

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 02/14/2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt from optimum outcomes for the amount of. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had been having difficulties with XXXX XXXX and suddenly get a letter from Midland credit management saying I owe them almost 4 thousand dollars because of a XXXX credit card with a limit  of only XXXX dollars.

Company response to consumer: Closed with non-monetary relief