milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Checking or savings account (Checking account) with Nationwide Financial Group (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I open an account with  Nationwide  Bank on  XXXX   XXXX , in  XXXX   XXXX  my daughter received a check for  XXXX  dollars from her taxes, I place the check on my account. The bank cashed the check and frozen my account. I sent them all requested paperwork, proof of address, my completely life to the email provided, and asking to please open my account to be able to withdraw my daughter money or to reverse the transaction to the original check sender. My daughter lost the  XXXX  tax money return. On  XXXX   XXXX  they reopen my account and I find they taken $  XXXX  monthly maintenance fee for the account, for about 12 months, I sent to my daughter via bill pay {$1000.00 } (  same name on the original check cashed by the bank ) they frozen my account today, again and start asking for the same paperwork I s ent one year ag o. I promptly sent all to them including the original check in my daughter name copy. Nothing at the moment, they have my money about  XXXX  in hold. These people are thieves, they account said they accept third part checks, I never overdraft this account. I need to recover my money, I do n't have money for hires a lawyer. Every time I call they told me I will receive a response within 2 days, is not true, the last time they told me that the bank keep my money in hold for 12 months!   I sent them my address proof, citizenship proof, the original check images, in my daughter name, also I have all correspondence via email from and to the bank.   Please help me!

Company response to consumer: Untimely response
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I just received yesterday 2 separate letters from experian credit reporting agency. I am uploading the letters. Experian states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why experian and XXXX are not removing it but I am frustrated at the fact experian sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.

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 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid of this debt, with documentation, and it is still on my credit report as balance not paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NRS has continued to attempt to collect a debt from me thats not mines, I never established a contract with NRS and they are stalling in removing the negative reporting items from my credit reports and they are in complete violation of the FCRA law and my name is being slandered. The are also violating the stature of limitation law in which the debt is not collectable. Account numbers # XXXX # XXXX # XXXX # XXXX, and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I canceled my XXXX account in XXXX 2014 and just yesterday received a letter from Convergent Outsourcing located in XXXX, WA, saying that I owe {$130.00}. I contacted XXXX and they told me that they do n't have any record of me owing any money and my account balance is $ XXXX..I spoke with XXXX XXXX over at Convergent and she was extremely rude like I was inconveniencing her for asking questions and told me that she 'd send it back to XXXX as a dispute and when I asked how i 'd be informed about what 's going to happen, she said that I just would n't get anything else in the mail about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: ON XX/XX/XXXX, WE WERE HIT BY HURRICANE IRMA. OUR HOUSE WAS DAMAGED AND WERE UNABLE TO WORK FOR THREE WEEKS WE WE WERE WITHOUT POWER FOR TEN DAYS. ONCE IN THE HOUSE, IN XX/XX/XXXX WE CALLED ALL THE CREDIT CARDS TO EXPLAIN THAT OUR STATE WAS DECLARED DISASTER ZONE AND IT IS MY UNDERSTANDING THAT ALL THE CREDITORS AGREED AND ARE SUPPOSED TO GIVE YOU ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS, AS PER AN AGREEMENT BETWEEN THE GOVERMENT AND THE CREDIT CARDS AND BANKS. 
WE HAVE AN ACCOUNT WITH BANK OF AMERICA, WE CALLED THEM AND THEY AGREED TO THE ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS. 
ALL THE CREDIT CARD DEFERRED THE PAYMENTS TO START TO COLLECTING THE PAYMENTS DUE IN XX/XX/XXXX AND TO WAIVED ALL LATE FEES AND ONLY COLLECT ONE PAYMENT PLUS THE ACCRUED INTEREST. 
NOW I RECEIVED A BILL FROM BANK OF AMERICA, THEY ARE NOT ONLY COLLECTING THE INTEREST, LATE FEES AND THREE PAYMENTS AT ONCE, THEY REPORTED ME TO THE CREDIT BUREAU FOR BEING LATE OVER 60 DAYS!

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Earlier this year I wrote all 3 credit agencies to and sent them the paper work veryfying my information and all except 1 Trans Union continue to report this Tax Lien information on 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 03/20/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This complaint is regarding XXXX and information derived from the credit breauras. One of my issues is that i am constantly denied housing in the XXXX XXXX- XXXX XXXX XXXX . Public information is being reported about me that is either inaccurate, Can not be proven or is either out dated. For instance, This XXXX charge " XXXX " case # XXXX occurred in XXXX/XXXX/XXXX which is beyond the statute of limitations which is ( 7 ) seven years to be reported.However, its being reported more than a single instance on a report. Also, The charge of " XXXX '' case # XXXX dates back to XXXX XXXX XXXX, The charge of " XXXX " case # XXXX too dates back to XXXX/XXXX/XXXX, and the charges of " XXXX '' case # XXXX, XXXX case # XXXX and the charge of XXXX case # XXXX are all outdated information that is still being reported. Also XXXX and exquifax are not accurately reporting my current mailing address properly which is XXXX XXXX XXXX XXXX North Carolina XXXX. I ask not to be judgmental i was a innocence man XXXX and is attempting to restore order to his life.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Navy federal credit union, refuses to release my fund 's. She called me out of my name. Very rude to me. I just want ti close my account and be done. ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed individual items on my credit report before, however, this complaint is specifically regarding the re-aging of accounts. Transunion has re-aged accounts on my credit report that should have aged off of and of of reporting on my credit report. I would like for Transunion to scrub my credit report and remove any aged out accounts being reported, as well as removing any accounts that were improperly re-aged which should have no longer been reportable.

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 08/13/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Struggling to pay mortgage

Complaint: The alleged servicer has been wrongfully denying me for a loan modification. I had a HAMP, FNMA, XXXX XXXX underwriter look at my loan modification and stated based on all the documentation I have submitted to the bank and the guidelines, I should have been approved for HAMP. I also qualify for inhouse modification based on guidelines. I am not even sure that the servicer that sent my payoff actually has the right to service my loan. The foreclosure plaintiff is XXXX XXXX XXXX. There is no assignment to the current servicer that has denied my loan modification and supplied the payoff. I am also XXXX, so being put out into the street is unjust. I make enough income to to afford my home. There also is equity in my house, so I could have sold it for a profit in order to find a new home, however due to my XXXX, it is much easier to live within my current home. The servicer is not calculating income that I have provided and also refusing to further review me for a modification. Please help. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Auto debt) with AUTO TRAKK LLC (LA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In XX/XX/XXXX I have asked this company to stop contacting me and gave them a verbal cease and desist. They broke this cease and desist on today XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been a victim of identity theft, made multiple calls to the bureau explaining to them the situation and for them to removes the accounts that do not belong to me. No actions have been taken upon my request even with proven documents. I have sent more than 5 time all the documents they have requested like ; a notarized affidavit, id, social, bank statement, and police report. Those accounts do not belong to me, If you can please remove the accounts i would really appreciated. 

ACCOUNTS NOT BELONGING TO ME ARE THE FOLLOWING ; XXXX - XXXX XXXX XXXX - XXXX 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 05/14/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: I have been trying to get Carrington Mortgage to resume Reporting to the credit bureaus the mortgage payments after my Chapter XXXX Bankruptcy for quite some time with no success. I have already provided the signed letter and borrower authorization within the same letter to permit Carrington Mortgage to resume reporting to the credit bureaus by my attorney. Numerous attempts have been made to get someone on the phone who can help me in this urgent matter in a timely fashion. To my surprise no progress has been made just empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have submitted XXXX different letters on XXXX different dates requesting items on my report be verified with documents with my original signature per the FRCA which STATES Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Paraphrase : The information in the credit bureaus files ( not the creditors files ), mentioned above, is the information that they store in their computer base on every consumer. Then 610 ( a ) ( 1 ) [ 1681h ] identifies the proper identification required ( driver license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. They refuse to show you anything because they do n't have anything in their files to show you. Instead they tell you to request these documents from the original creditor. 
2. Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section -- Paraphrase : This says the same thing as above ... they will disclose the information requested to the consumer. 
3. Page 37 ( 2 ), ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 

each time I have been sent a letter stating information has been updated but I have received no documents. today I spoke with XXXX and her supervisor at Transunion and was advised that as long as the creditor keeps updating they do n't have to verify my records and will not be removed I want all items that do n't have original documentation removed!

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 10-06-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (TX).
Issue: Struggling to pay mortgage

Complaint: I filed for a Loan Modification in the month of XXXX XXXX. I only received 2 denials by letter when I was told by one guy there on the phone there were over 25 programs and surely, I qualify for one. I was also told that they were easier to get a loan modification from than XXXX. On XXXX/XXXX/XXXX, I called them and asked what was going on totally expecting to get a lone modification. I was informed I was denied. I was then told that they felt I could afford the house. 
I HAD PROVED THAT AFTER THEY RAKED ME OVER THE COALS IN SEVERAL VERY HEATED CONVERSATIONS WITH MY INCOME. THAT THERE WAS NO HARDSHIP BECAUSE I COULD AFFORD THE HOUSE SO THEREFORE NO LOAN MODIFICATION. I HAD BEEN IN 2 WRECKS WHICH I SENT THEM ALL THAT INFORMATION. THIS WAS A 49.3 MINUTE PHONE CALL ON XXXX @ XXXX, WHERE I ARGUED WITH THEM. MY HOME WASNTHEN SET UP FOR FORECLOSURE ON XXXX/XXXX/XXXX. 
I FEEL I HAVE BEEN DISCRIMINATED AGAINST, AS A SINGLE WOMAN TRYING TO KEEP MY HOME. 
I WAS BERATED AND TOLD I COULD NOT AFFORD MY HOUSE SO NO LOAN MODIFICATION. THEN I PROVE I CAN AFFORD IT AND I AM STILL DENIED. 
I HAVEN BEEN DENIED ALL HARP AND/OR HAMP WHICH EXPIRED IN XXXX. I WAS ALSO DENIED THE PRINCIPAL REDUCTION MODIFICATION PLAN OFFERED BY FANNIE MAE. 
I was denied a loan modification of any kind, loan reduction, Principal reduction, balance forgiveness and loan term extension. I have been put through XXXX, ruined my credit by filing bankruptcy to keep my home over and over. The stress has affected my health and I was still healing from the wreck. I am on pain meds and muscle relaxers daily. Instead of offering me a solution they put my house for AUCTION and they blamed it on Fannie Mae and it was their decision, THAT I WAS NOT APPROVED. 
My loan PAYMENT WAS RAISED SEVERAL TIMES ON AND OFF WITH NO NOTIFICATION. 
I would also like a review of what is owed. They sold it when it was scheduled for auction on XXXX/XXXX/XXXX. I was never notified of the cancelled auction. 
In have no family, but my children. This is my home. My credit is ruined. Im severely stressed. I HAVE BEEN ON A ROLLER COASTER WITH MY HOME AND AM NOW IN BANKRUPTCY AGAIN BECAUSE THEY SOLD IT TO XXXX XXXX. 
THESE EMPLOYEES AT XXXX AND SETERUS GET PAID BONUS FOR GETTING PEOPLE OUT OF THEIR HOMES. XXXX ALWAYS TOLD ME THAT IT WAS ALL FANNIE MAE 'S DECISION AND NOT THEIRS. EVEN THOUGH XXXX TOLD ME THEY PUT IN THE INFORMATION IN THIS HUGE MACHINE/APP AND IT FIGURES IT OUT BUT TAKES 30 PLUS DAYS. I ALWAYS WAITED ON PINS AND NEEDLES WITH BOTH XXXX XXXX  XXXX AND SETERUS. I HAD TO GO THROUGH ONE BANKRUPTCY BECAUSE XXXX  UPPED MY PAYMENT {$XXXX} RIGHT AFTER I SIGNED THEN LOAN. 
I HAVE BEEN TERRORIZED FOR THE LAST 4 YEARS AND SUFFERED THROUGH LAST 9 TRYING TO KEEP MY HOME. 
THERE NEEDS TO BE NEW LAWS TOO MANY LOST THEIR HOMES AND WERE TREATED UNFAIRLY.

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 06-08-2016 about Payday loan () with Big Picture Loans, LLC (NE).
Issue: Charged fees or interest I didn't expect

Complaint: Received letter for easy loan, thru Big Picture Loans ... did online app and received phone call to verify shortly after. On call they advised me I would pay interest of XXXX on the XXXX dollar loan I was approved for, in which first payment would be on XX/XX/XXXX of XXXX. Now I am told the XXXX payment will be automatically withdrawn every 2 weeks for 58 payments totally almost XXXX!! I was never told of an interest rate being 780 % or I would have NEVER agreed! When I called to discuss the service rep was very rude. I do n't dispute the validity of the loan or the XXXX interest I was told, but no way will I pay 780 % interest on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my debt ... Account was never verified ... They refuse to take it off. I was XXXX XXXX when the account opened.. I like to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (I do not know) with ALLY FINANCIAL INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Ally bank continues to call my cell phone, after numerous requests to stop, asking for someone that is not me or anyone in my household. In order to find out exactly who they are, because they only provide their first name, I find out they are from Ally bank. They call at XXXX at night and throughout the day. I 've asked several times for them to stop calling my number. I get, " we will put this in your record. '' How do I have a record at Ally bank? I do not bank with Ally bank. I have never banked with Ally bank. I do not have loans or debt that I am responsible for with Ally bank..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, 2017 I received notification from the credit bureau about a past due balance of {$4200.00} for the breaking of a Lease by XXXX XXXX/ XXXX . I received no notification in the mail from either party. I received no right to dispute from the collection agency, and they immediately hit my credit. So I called the number listed on my credit report and spoke to a XXXX XXXX. After asking him to provide documentation of the debt, he raised his voice, told me I just do n't want to pay my debt and hung up on me. I called back and asked for his manager. She spoke to me in the same tone, however agreed to send me paperwork in the mail. Once I received the letter just stating the amount owed, paperwork from XXXX stating it would not be sent into collections until XX/XX/2017 ( paperwork which I have ) and a unsigned letter from XXXX stating the balance owed, I called XXXX XXXX back on XXXX XXXX,2017. I told him I will pay what I can when I received my bonus from work in XXXX. Flash forward to XXXX XXXX, 2017. I called XXXX XXXX to let him know I would be paying for the debt my next pay period with my bonus. He stated verbally the settlement amount was for {$2100.00}. XXXX XXXX called me on XXXX. I stated I would mail him a check for the amount of {$2100.00} and he told me that is no good. I have to pay by phone know in order to settle. That as of XXXX XXXX 2017 that settlement price may go up. I want to settle the account for the amount they told me and the only way I can pay is VIA check. I called back and paid and settled the debt. ( I have documentation. My credit should of never been hit. I have a letter from XXXX showing I had until XX/XX/2017 to pay the balance. It is now settled and it is still showing on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Information that should have been added to my credit profile as i have requested was not and it should be added in order to show positive history and payments just as creditors have the right to report it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Confusing or missing disclosures

Complaint: The company I am filing a complaint against is Coinbase. In XXXX XXXX, I was traveling to XXXX for vacation, and when I tried to log into my coinbase account, it was immediately closed due to suspicion that I may live in XXXX. After multiple attempts to contact support, there has been no response at all, and my account is frozen along with XXXX dollar in XXXX.

Company response to consumer: Closed with explanation