milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have, for the past 4 years tried to get an Equifax Credit report. I have had no problem with XXXX. It seems that a whole lot of people are having the same problem. After you input the info ( on XXXX ) instead of getting a report you get a page that says one can not be issued online and you have to mail a copy of your drivers license, social security card, paystubs etc. and they will mail you a copy. I did that last year and I still have not received a response and I feel acutely uncomfortable mailing out such private information and have no idea who now has it. On top of it, when you go to their website, they give this number : XXXX EQUIFAX. Now, if you notice, that is too many numbers. It seems to me that they do not want to issue a yearly report, much less talk with anyone about it. I went in on an open forum and XXXX people are having then same issue with them. Please investigate as to why they are making this impossible to do. They are being remiss in their obligation to a free annual credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I refinance my VA backed mortgage with XXXX XXXX XXXX , XXXX A wholly-owned subsidiary of XXXX. When we started the process the sale point was to lower my interest rate. I was told because I have a VA loan and the Safe Harbor Act I could not get an IRRRL. Which I did not understand why because, I was not or had been 30 days within 6 months late on any of my debts to include the mortgage. 

I am a XXXX Veteran, at the time I was under a lot of stress and went along with what I was told. The loan was transferred to 360 Mortgage Access for servicing. Then my nightmares began. My loan started out with a payment of {$1200.00}. In XX/XX/XXXX, 360 conducted n escrow analysis and lowered my payment. However they left out my city and county taxes. Once they caught their mistake, my payment went to {$1600.00}. Because they had to recoup the negative escrow amount from their mistake. When I called to workout a different payment arrangement for the negative escrow amount because it caused me a severe hardship. The customer services reps on more that one occasions told me to short sale my house ( with a giggle ). I did not see the humor nor did I think it was professional for them to have such an unprofessional approach to my issue. I suffered through XX/XX/XXXX paying the extra amount by borrowing from friends and relatives. XXXX would not consider a HARP or any other solution. Either XXXX or 360 Mortgage Access or both have predatory business practices. If I was not a Veteran this would not have happened. Now, the most egregious is the fact 360 stated they would conduct another analysis in XX/XX/XXXX and my XX/XX/XXXX payment amount should be lowered ... AS today the action has not taken place. They are still billing me for the extra escrow amount!

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Credit determination

Complaint: I signed up in 2014 for a secured credit card and placed {$1000.00} up for colleteral. At that time I was told I would be switched to a unsecured card after 12 months of good payment history.It is now been a little over 2 years and have n't seen any change in that status.I was also told after a banker called the credit card office that it is periodically reviewed.I feel I was lied to on several occasion, being the first, which has been I havent XXXX converted as well I dont see on any of my reports were I have been reviewed by wells fargo for consideration in the unsecured card.I have over outstanding payment history with my bank as a card holder and bank account owner as well.I do feel valued as a true customer and dont being lied too.I do understand they take other things in consideration upon review as well, but the main concern should be my good business with the bank.Why bother putting money into a bank and the bank isnt willing to take a small risk with me as a customer.My report will show I have not had any missed payments on any accounts over 5 years or so and will show a lot of inquiries which arent not mine, but I being penalized for them, not your fault, I do have XXXX open accounts in good standing and a lot closed in good standing as well as good personal loan payments and auto.

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 05/30/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company Professional Debt Mediation contacted me today about an account that I am not responsible for. The guy whom I spoke with was very rude and very unprofessional. I tired to explain to him that the property   XXXX   XXXX   I never stayed in. However, I did apply but my credit was never ran and the property manager   XXXX   XXXX   advised me that I had nothing to worry about because he did n't run my credit and asked that I paid him {$390.00} under the table in order for him to approve my application without running my credit. So, today I get a call about an unpaid balance of {$1500.00} that I know I do n't owe. I advised the guy to cease and desist he still proceeds to collect information. I called back to get the company name and some guy refused to tell me the name other than PDM, I asked several times the meaning he refused and hung up on me, unprofessional. I will be seeking an attorney, and I will file a suit against Professional Debt Mediation along with   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 12-12-2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Contract Callers Inc. is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Contract Callers Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Contract Callers Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Student loan (Non-federal student loan) with Windham Professionals, Inc. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My student loan XXXX XXXX ) were sold and/or transferred to XXXX on a date unknown to me. Pursuant to XXXX XXXX XXXX XXXX ( F ) ( iii XXXX XXXX was in fact a debt collector. I placed a complaint with the CFPB [ XXXX ] for the companies abusive practices in addition to failing to validate the alleged debt owed. I recently received a Dunning Letter from Windham Professionals dated XXXX/XXXX/2015. XXXX and Windham Professionals are making multiple enforcement claims on the same [ XXXX ] ote. Possession requirement in XXXX XXXX [ of the XXXX XXXX is to protect the Debtor from multiple enforcement claims to the same [ XXXX ] ote. Upon information and belief, XXXX and Windham Professionals lack Judicial standing, having no economic or beneficial interest in the [ XXXX ] ote, and no complete dominion over it, including entitlement to enforce the [ XXXX ] ote pursuant to the XXXX XXXX and UCC XXXX. In addition I have never applied for, neither received any services or credit from Windham Professionals. I also have no account and/or signed contract with Windham Professionals, nor do I wish to contract with Windham Professionals. Windham Professionals has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX XXXX ) and or Representative XXXX XXXX ) are frivolous. I have a lawful right to receive any information in regards to the promissory note and or other admissible evidence of the alleged debt. '' XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX 1947 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 explanation
Consumer complaint received 03-04-2017 about Debt collection (Medical) with HOVG, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company was told that I was a XXXX veteran and needed to be transported to the VA.They told me the VA would not see XXXX patients and took me to a civilian hospital.The civilian hospital did not know how to properly treat me and I had to be hospitalized by the VA within days.The staff at the VA were angry that I was not brought to my hospital and my care team as I am highly at risk.This company was given the information for the office that handles paying for my care years ago.This credit company just started trying to charge me for this by phone in the last 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Trouble during payment process

Complaint: The original purchase price of the house was XXXX and we put down XXXX. We were told by the lender that we would have to pay the PMI at first and by the second year it should be removed because we gave more than the 20 % down needed and therefore the ratio of what is owed and what the house is worth would be below the requirement to have it removed. Ive called the bank, Ive placed numerous requests and they say that they will charge the PMI for the next 7 years because thats what they are allowed to do. But now the house is worth XXXX through last view on realty website and we owe XXXX which is well below the 78 % requirement to remove the PMI. Even if the house still appraised at XXXX its still below the 78 % because we put so much down. We just want the PMI removed, thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: With the Equifax leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with Equifax and have to wait an unspecified amount of time for an email to come from Equifax to finish the process with them. ) Went to XXXX site from a search engine, ( Security Freeze - XXXX ). The link ( XXXX XXXX XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products XXXX and with a bunch of caveats, works. ( XXXX XXXX XXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 currently have an open automobile account with XXXX XXXX XXXX and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now Equifax removed the account from my Equifax report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00} with no reason after I called XXXX it shows that is incorrect! I want equifax to put the account back on file as it was and XXXX XXXX   to correct the amount owed to XXXX XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I had an account for an IRA with a company. The company said they showed no record. I lost probably eight thousand dollars plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: Hi i have been working with SPS since  XXXX / XXXX / XXXX , to complete a short sale on my property, it took til  XXXX  of  XXXX  to get approval, The buyer I had from  XXXX  hung in there til  XXXX  of  XXXX , his lawyer called and said his clients finances had change d 2days before  we were to close  XXXX   XXXX   XXXX , and we could not close, we relisted and by the grace of  XXXX  we found a new Cash buyer on  XXXX   XXXX  the day I was to close, we submitted all documents, for review, i was told it would not take as long as the first time i had already been approved, and the offer was more than what had been approved weeks before, I now I 'm having to repeat and resend over and over documents, each week there is something new, if anyone had half a brain, they would of just resubmitted the offer to the lender for approval. There is no one that has authority, that you can speak to at SPS, and the ladies can only tell me what is needed to move forward.   This is not right my offer should be submitted to the person or company for there approval, I should not have to go thru this again, I was approved to have a short sale done and the offer is more then was approved, already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (I do not know) with MarkOne Holdings, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: MARKONE FINANCIAL LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MARKONE FINANCIAL LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MARKONE FINANCIAL LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Security Credit Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed this account with the company and they have verified the amount. furthermore they have posted that we have agreed on the account as being a debt, I have no knowledge of this creditor nor have gotten any contract stating I owe them. Either show something in writing that I owe on this account or please remove from my credits reports

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Other transaction problem

Complaint: InXX/XX/XXXX, a transaction in the amount of {$100.00} was processed to my credit card without authorization - from Coinbase.com. Coinbase had my credit card information on file from purchases of bitcoin made inXX/XX/XXXX, but as evidenced from security logs showing logins to my account, I clearly had not authorized this purchase. Furthermore, the bitcoins that were purchased for {$100.00} were soon after transferred from my account to an unknown bitcoin address. 

Since I was unable to find any contact information for Coinbase, I called my credit card company ( XXXX XXXX ) onXX/XX/XXXX to let them know of the unauthorized transaction. A dispute was filed and sent to Coinbase and is currently pending. However, instead of accepting that this case may be a fraudulent transaction, Coinbase conducted another transaction from my credit card in the same amount, {$100.00} onXX/XX/XXXX. I contacted XXXX XXXX again today,XX/XX/XXXX, to dispute this new transaction. 

Coinbase 's security logs show that I did not login to my account inXX/XX/XXXX, orXX/XX/XXXX, and that I could not have possibly authorized these transactions. 

Additionally, {$60.00} in bitcoin had been sitting in my Coinbase account since my authorizedXX/XX/XXXX purchases and were transferred out of my account on the same day that the total bitcoin from the first order was removed from my account - and it was sent to the same bitcoin address. 

I believe that Coinbase has knowingly and intentionally removed funds from my credit card account without authorization twice, and transferred bitcoin from my Coinbase.com account to a private bitcoin address, likely owned by a Coinbase employee. Coinbase intentionally makes it difficult for their users to contact them and provides no way to do so through their website or phone lines. XXXX XXXX informed me that even Coinbase.com 's vendor file has no phone number attached - meaning Coinbase operates with a high level of privacy. Add to that the difficulty of tracking bitcoin transactions, and an incentivized and lowly-regulated company would have an easy time taking money from its customers. 

I appreciate your time and hope that the CFPB will investigate Coinbase.com for these two unauthorized transactions, plus the transfer of my personal bitcoin funds to an unknown bitcoin address.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Credit card) with Alliance Data Card Services (IL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They call all day long even after XXXX. The call while I 'm in class and I 've been kicked out of class several times because they call back to back and it disrupts my class! They all weekend as well!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: REGARDING CITIBANK CREDIT CARD # XXXX CITIBANK APPROVED MY CREDIT CARD FOR $ XXXX AND WITHIN 7 DAYS CITIBANK CLOSED MY CARD ON NO REASON GIVEN, THEY ARE PUNISHING ME FOR A SIN THAT I DONT KNOW WHAT WAS MY CRIME. THEY RAN MY CREDIT AND THEN UPON INQUIRING THEY WROTE ME " WE REGRET WE ARE UNABLE TO ASSIST YOU FURTHER ''. THEY ARE BEING UNFAIR ON NOT PROVIDING ME A REASON

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 07/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am looking at my Credit Report for the first time in a very long time, and I am shocked by the things that are reported that are not of my doing.

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