milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. CMRE did not report the deletion of the account to XXXX, the other consumer reporting agency that it reported the account to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in the event legal action is warranted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.

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 06/17/2015 about Debt collection (Medical) with OUT TECH, INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have medical XXXX welfare and he covers all medical bills XXXX hospitals bills ) during that time I do n't have any outstanding. and I told that to the collection office XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX XXXX XXXX in XXXX, OH from XX/XX/XXXX-XX/XX/XXXX. I had multiple issues finding a job as many others have. When I graduated in XX/XX/XXXX I owed {$41000.00} in loans. At this writing I owe {$39000.00}. It is astounding that in 8 years, I have only reduced my loans by {$2000.00}. The private loans, according to multiple discussions with XXXX XXXX then later Navient, are not eligible for deferment. You can get a forbearance on these loans but you have to pay {$50.00} per loan. And to be quite honest, I am not even sure I signed up for these type of loans. They were not explained to me at all and when I had questions about what I was signing, the financial aid advisor rushed me through the process. I paid {$160.00} a month for five years on my private loans on a graduated repayment plan. I have been paying $ XXXX monthly on my private loans since XX/XX/XXXX and {$130.00} on my federal loans when I could no longer defer them. I want it noted that I have never once went into default with these loans. I want it observed that the total payments I have made on my private loans alone, over an 8 year period and in the evidence I have submitted, is {$15000.00}. How have I paid almost {$16000.00} over 8 years? 
XXXX uses deceptive recruitment practices to lure students into enrolling to receive their federal financial aid. These students receive none of the valuable career skills for which they enrolled in the program and they leave with enormous amounts of debt. Subsequently, they ca n't find a job, they default on their loans, and taxpayers ' dollars are wasted in the process, all while these companies continue to profit off of student loan debt and federal financial aid. Only by my wife and I working together, and the grace of a higher power, we are not in the situation many people we talk to are in. I can not go to a regular school and get an actual valid degree because I simply can not afford to. This whole experience has left a devastating impact on me and I am afraid for my own child to go to college. 
I will not dispute that I owe the government money. I did go to school for two years. But I do believe I was deceived about the type of loans I had and the promise of the career path I chose. It was all lies and I have paid a heavy price for these lies. Again, over 8 years I have paid almost {$16000.00} for my mistake, more if you would like to count my federal loans. 
XXXX built an empire on broken promises and shattered dreams. And they used federal monies to do it. I feel I have more than paid for my degree and am requesting discharge of both my private and federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX ,    2017 I received a letter ( c opy enclosed ) advising me that m y Sears  Credit Card account had been closed effective  XXXX   XXXX ,    2017. According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned the m who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me  in 3 to 5  business days.     I FEAR THAT TH IS MAY  BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      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 non-monetary relief
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a checking account with Citizen 's account for over 25 years and to assist my daughter 's college endeavor, I took out a Home Equity Line of Credit ( HELOC ). It was paid by auto-withdraw b the Bank every month for which I have statements from my checking account # XXXX which the bank did illegal activities i.e. not ever providing me with a statement, therefore, I may NOT owe anything anymore!!!? They REPORTED ME FRAUDULENTLY AND  MALICIOUSLY TO THR CREDIT BUREAU AS NON- payment giving me a bad credit score!!!! 
Now, I call the Bank and am told that I do not have a HELOC which is leading me to wonder WHY did the Bank report me and XXXX XXXX from the Office of the Chairman wrote that I paid late there ( 3 ) months in 2015 and provided me with a phone # to contact her if I have questions yet I called over TWO DOZEN TIMES to no avail?! I want the fraudulent/malicious report to the Credit Bureaus REMOVED and the paperwork/statements of my HELOC which the Bank tells me I DO NOT HAVE?!?!?! Copies of my bank statements can be provided if/when necessary as I do not know how to attach or make copies of 25 or the many pages as I am not working in the professional capacity set up for secretarial circumstances but I do have my checking account XXXX statements reflecting withdraw of money to my HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX, I submitted a letter to TransUnion in reference to two ( presumably ) credit card accounts from the same company, with the following language : " The listed items are completely inaccurate and/or incomplete, as I have never held any type of accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' On XX/XX/XXXX, I submitted a letter to TransUnion in reference to an account listed under a creditor named XXXX XXXX XXXX, with the following language : " XXXX XXXX XXXX continues to report inaccurate information on my credit report with TransUnion, without sending in proper documentation as proof that the account is in fact my debt ... .Your credit bureau has failed to protect me as a consumer and has not followed the proper guidelines in place to verify debts on my consumer credit file. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' Also on XX/XX/XXXX, I submitted a second notice to TransUnion in reference to another debt collection agency, XXXX XXXX, XXXX, with very similar language. 

As of today, XXXX XXXX, I received a notice from TransUnion stating to contact the creditors directly. TransUnion also failed to inform me of the necessary steps they took to verify these erroneous accounts. I have reached out to TransUnion numerous times regarding various reporting errors, including unknown employers and addresses. I have not received any assistance from this credit bureau regarding any of my requests. Attached are all the letters mentioned.

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 11-02-2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017 Midwest Recovery Systems placed a opened collection on my credit report for a Debt owed to XXXX XXXX XXXX XXXX. I have not been contacted by Midwest Recovery Systems regarding the collection. To my best knowledge the company they claim I owe the debt too is no longer in business per the BBB website and was a non licensed payday loan company. I have never taken out a payday loan with this or any company. My credit report shows that owe them {$860.00}. I have tried to find contact information for XXXX XXXX and have not been able to locate it. My main concern is why did Midwest Recovery Systems place this on my credit report in the first place? From a company, that in all my research, seems to be a unlicensed closed business?

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank, which acquired my mortgage from XXXX XXXX XXXX, will not decrease my monthly mortgage payments despite my on-time, correct-amount payments. I called the company to complain and its representatives could not coherently explain to me why my mortgage payments do not drop every month as payments did when mortgage holder was XXXX. Property in question is condo at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In 2010, my check book was stolen unknowingly because I do n't use checks for transactions but at the time I thought it was wise to have some since i can get them free from my bank. This particular checks that were stolen was from an account that I already closed but forgot to dispose of the checks. However, whoever that stole the checks was allowed by XXXX and and XXXX to transact business without proof of identification. I have called and informed XXXX about this matter but nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I faxed as well as supplied the clerk of courts in XXXX county XXXX XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received XXXX letter from them at the correct address which was valid up to XXXX XXXX, XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating XXXX laws.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries listed below be removed. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 01/29/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Confusing or missing disclosures

Complaint: On XX/XX/XXXX I bought {$100.00} of bitcoin via coinbase. On XX/XX/XXXX I authorized coinbase to transfer {$87.00} from my Coinbase account to my XXXX account. The money was transferred but it also debited me another {$87.00} as if I requested another {$87.00} out of my bank account. There is no {$87.00} pending in my Coinbase wallet. I have no idea where that money went.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: As of XX/XX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX XXXX CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all 3 credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Payday loan) with Oracle Financial Group LLC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My daughter received a phone call today from a XXXX XXXX, Oracle Financial XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was 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 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had phone service with XXXX years and years ago. I worked at a company that I did not get service with for the whole time I was there. I wrote to them and advised them that they were not filling their part of the agreement/contract and if I could not get service at my job. I had XXXX other accounts in which I tried to utilize at the job and to my avail they did not have signal either. At that time my contract with XXXX became null and void. I advised that I could have a family emergency or anything that could transpire while I was away from my family and could not be contacted on any of the phones I tried there at the office. XXXX agreed to discontinue my contract with any fees included to be removed considering I had been a previous customer for about 7 years. It was n't a personal decision they could just satisfy my need. They have since taken off the fees and what was owed added them back taken them off and then added them back again. When they add information back to my credit report it is always in a different amount. It went from {$780.00} to {$640.00} and now {$390.00} has been added back to my credit report. I do n't understand how they agreed to have any charges credited from back in 2011 and now every time I lookup there is a different amount being added to my credit.

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 11/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: account from XXXX is over 5 years old. This should have been taken off my credit report already and it 's keeping my score down and hindering me from purchasing my first home. I attempted to dispute it with Transunion and the company took more points of my credit score and they reported it again. Please remove from all XXXX credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (DE).
Issue: Managing the loan or lease

Complaint: This is my second time filing with the CFPB. Nissan was supposed to pay off a residual balance when I purchased my new car. They did not pay it off as promised and I received a bill for over 2k. After being threatened by their management staff to call the police and have me arrested for asking them to pay off the bill ( as they promised ) I contacted the CFPB. They then back peddled and stated they would have this bill taken care of. I am not receiving collection calls about this bill, because they have yet to pay it off completely. I settle on a mortgage in 1 week and now this account is placed in collections. I am contacting an attorney and looking for some sort of compensation on this matter. Hours on the phone, credit being affected, threatened my father and myself of being arrested after questioning their management staff and now possibly affecting my upcoming settlement on my new house. This is not the first time Nissan has messed up. A year ago they applied my auto-debit payments to a car that I no longer owned and reported me delinquent to the XXXX. Nissan allowed someone to purchase my old car that I turned it and they broke traffic laws and I received the bill and had to prove it was not me. This is a joke, they are supposed to be a professional reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Trouble during payment process

Complaint: Mortgage Payoff Nondisclosure of Recording Fees : I contacted Mortgage company for payoff information of my mortgage on Wednesday, XX/XX/2018. The representative advised me of my payoff amount for XXXX different dates disclosing if I wired the funds to Mortgage company there is a {$15.00} wire/processing fee but did not disclose any additional fees to me. I called again Thursday, XX/XX/2018 to confirm my payoff amount for the date I was wiring the funds and again was informed of a {$15.00} wire/processing fee and no other fees. 

XX/XX/2018 I wired the payoff amount plus an additional {$42.00} and change to round to the next XXXX dollar. When I checked my account to confirm they received my wire the amount was recorded minus {$65.00} of the full amount I wired. Upon contacting Mortgage company to question the missing {$65.00} I was told there are recording fees of {$25.00} and {$40.00} that was never disclosed to me on any previous calls or conversations. 

I called XX/XX/2018 to speak with a supervisor regarding the nondisclosure of the recording fees and I felt they should be paying the recording fees since it is Mortgage company 's responsibility to record the release of mortgage and any other required documents. Also, since the {$65.00} of recording fees was never disclosed it was company 's failure to disclose that they should waive those recording fees. The supervisor was not interested in " the customer is always right '' motto and proceeded to defend company and that I was responsible for the recording fees. 

I am a XXXX XXXX XXXX in 2 states and if I fail to disclose some of the simplest charges or information to the public I am accountable and can encounter reprimand and or fines from governing commissions or agencies. I am under the impression with the tightening of the rules & regulations ( Dodd Frank ) that disclosure was not only necessary but mandatory.

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