milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A derogatory record appeared on my account posted by CBNA indicating a card over limit. I do not have any cards with CBNA and none of my existing cards are over limit. 
The credit report is posted incorrectly and must be removed from my credit reports immediately.

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 09-05-2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This collection agency continues to increase the amount owed by large amounts. It took me a while to figure out why they never put the balance on their statements. In just the past couple of months ( see-attached ) they increased the balance {$530.00}. The balance was {$6500.00}. I called to get the balance mailed to me. I was told on the phone it was {$6900.00} and when the statement comes in the mail it 's now {$7100.00}. They have done this to me previously. Just because I ca n't afford an attorney does n't mean that they can continually steal from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I purchased an item from ebay.com Marketplace in the amount of {$32.00}. The item was a trunk lid cover for my XX/XX/XXXX Mercedes Benz E320 wagon and according to the seller 's listing, should have fit my vehicle ( see attached ). However, it does not and I do not feel that I should bare the responsibility of paying to send the item back to the seller. I made the purchase in good faith and expected what was advertised. This is false and misleading advertising as well as a common scam with ebay sellers. 

I am still in possession of the truck lid cover as I refuse to pay for shipping to return the item. According to the seller 's ebay ad, he/she assumes all responsibility for their listing. As a buyer, I presume this to mean responsibility and accountability for making statements which are false and/or misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 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: Information belongs to someone else

Complaint: violation of hippa and cra inaccurate information

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 09-11-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I want to open an Virtual Wallet checking account in PNC but they did n't allow because their system shows that there is a Fair Credit Reporting Act in my consumer report. So I called XXXX XXXX and got my consumer report but it only shows basic information of my previous account in XXXX. The report does n't contain anything wrong with my personal credit. Then I went to the XXXX XXXX XXXX to check if there are something wrong with my previous account and they told me I do successfully closed that account 5 years ago as well as did n't owe any money. Now I went to PNC again and they were still not allow me to open a new account since their system has such a " Fair Credit Reporting Act ''. I am really confused and could you give me the reason why I ca n't open a checking account in PNC. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have already described what had happened in complaint number XXXX. I probably needed to elaborate more but you guys were on the wrong and you guys filed and incorrect response to consumer reporting agency when I feel like I was stalked by someone watching what I do because I am and have an executive level bank through bank of America and my name is Under XXXX XXXX XXXX under the Private Reserve in the Federal Reserve Bank.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: When applying for a mortgage back in XX/XX/2018 or something as simple as getting our gas/electricity transferred to the new home, I am told by multiple companies that I don't exist when they use the credit report company Equifax. Companies that used XXXX  and XXXX have no issues with finding me under my social security number. I contacted Equifax and was told multiple times from multiple people that I don't exist or my number pulls someone else 's name up so they can't help me. Even after I tell them XXXX  and XXXX do not have this issue. I would like this inconvenient issue fixed. Many companies have denied me service because they use Equifax to check my credit scores and it pulls up someone else 's name under my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Consumer Loan (Installment loan) with VANDERBILT MORTGAGE & FINANCE, INC (NM).
Issue: Managing the loan or lease

Complaint: I have a loan for a mobile home with Vanderbilt Mortgage. In XXXX 2014, about {$5000.00} were added on my billing statement as " service fees. '' I have no idea why this was added or what it was for. Despite me paying my regular monthly payment each month, this {$5000.00} shows up as a past due amount. I have never been given an explanation for the {$5000.00}, despite my attempts to communicate with Vanderbilt. I have attached my billing statements, a letter I wrote to Vanderbilt and a letter that New Mexico XXXX wrote. Vanderbilt has not responded to any letter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Federal student loan) with GREAT LAKES (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XX/XX/XXXX, XX/XX/XXXX, they said I had a zero balance on my student loans because of proof of a XXXX. Every year they open it back up again after I sent them medical proof and my social security XXXX proof of XXXX. I am suppose to have a XXXX balance on all of my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (SC).
Issue: Problems when you are unable to pay

Complaint: I purchased a XXXX Cheverolet Cobalt back XX/XX/XXXX when I was XXXX in the Air Force in XXXX Georgia XXXX. The car was overpriced and they charged me a very high interest rate. The payments were paid via an allotment directly from my paycheck. I paid the payments faithfully while in active duty. In XXXX I XXXX could no longer make the payments. I contacted Security National XXXX to see if they would defer my payment until I could find employment, but they refused to work with me. The eventually repossed the car and resold it to another buyer. I have not seen or heard anything from them since, but they have added this to my credit report as a charge-off and have an outstanding balance of {$8300.00}. I feel that this is unfair especially since the car has been resold and I did pay for the car faithfully when in the Air Force and did try to work out an arrangement with them, which they refused. I am asking CFPB to please assist me in getting this removed from my credit report. I would like to purchase another vehicle but this has prevented me from gettng approved for financing over the years. I appreciate any help that your agency can provide. 
Thanking you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We are currently under chapter XXXX bankruptcy and have our mortgage withOcwen. I received a phone call from Ocwen on a Sunday, XXXX, andwas told we owe them over {$9000.00}. I 've since been told by Ocwen that ourpayment went up from {$1200.00} to {$1500.00} XX/XX/XXXX and they have also told methat I was not notified of this increase, nor was our attorney or the chapterXXXX trustee. How can you indebt us for something that we were never notifiedof in the first place? I also received documentation stating my payment wasgoing to increase XX/XX/XXXX from {$1200.00} to {$1300.00}. I spoke withOcwen yesterday and was told my payment is supposed to be {$1500.00}. Also, we are under a loan modification which lowered our payments to somethingwe could afford, so why do they keep raising our payments?? In addition, when I go onto Ocwens website, it does n't show any increase XX/XX/XXXX and itshows the current amount due as {$1000.00} with a due date XX/XX/XXXX. 
How can I be liable for Ocwens mistake especially since their website is n't evencorrect??? Additionally, is n't it illegal to try and collect a debt from me while I'I 'm under chapter XXXX bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Credit card) with WELLS FARGO & COMPANY (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo calls from XXXX to collect on a credit card. They are calling my work number after I expressly told them not to. This is violation of the FDCPA.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I completed a loan modification a few years ago and i still paid the minimum payment on my account. The company reported that i was late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and in fact after 2 certified letters asking for validation have changed their correspondence address and reported this account with new dates. Please note that they have not provided me with documentation showing any type of agreement between me and the party. I have never had a agreement or any type of credit with this company EVER. After doing research on this company I noticed that Midland has been to court several times with various states and agencies. The court documents stated that Midland claimed to have a copy of the consumer agreement for all consumers who owe them. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. Theyre known to bully consumers and sue consumers all the time. I have attached a copy of my letter to them along with signatures. Please be advised that Midland has FAILED TO respond to me as outlined below : 1. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of  the original creditor in writing, the collector must cease collection efforts until he verifies the debt, or identifies the original creditor and mails a response to the consumer. If the consumer 's request for verification of the debt was made in accordance with Section 809 ( b ) of the Act, the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that " the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. '' In situations contemplated by Section 809 ( b ), the Act imposes the obligation to furnish verification before the collector resumes collection efforts. In the event the collector decides not to pursue the collection efforts, there is no requirement to furnish the documentation of the indebtedness to the consumer. In the event that collection efforts are resumed, the requirement to furnish verification to the consumer prior to resumption of collection remains. <P/>Once again please note that Midland has failed to respond to my requests or provide any documentation to the validity of this reported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We suffered a XXXX at a rental property, unfortunately the mortgage holder is OCWEN. We had difficulties with this company for payments miss-applied before. This time, they are holding the funds that are needed to pay for the repairs and adding more requirements to release the funds. I am forced to borrow money to pay the contractor doing the work. One such requirement was an inspection at the end of the repairs, now they are changing that to an inspection at XXXX %. We already completed XXXX % and they are still requesting documents before they schedule an inspection that was not agreed on nor communicated clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Closing/Cancelling account

Complaint: Macy 's has repeatedly asked me to pay money to them that I do not owe them. I paid off my Macy 's credit card in full and they continue to add on fees to my {$0.00} balance. I had the account closed, and even after this, Macy 's claimed there was interest due on a residual amount. So I paid this amount. Then Macy 's continued adding fees onto a {$0.00} balance. This has continued for two years. They repeatedly call my parents to harass them over this " debt '' even though I have repeatedly informed them that I do not live with my parents. I have no account open with Macy 's, I have not bought anything with the card I previously had, and Macy 's continues to add on fees to a non-existent balance on a non-existent account. I have spoken with Macy 's numerous times and told them I want any account I have with them closed, and they told me my account was closed.

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 monetary relief
Consumer complaint received 02/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: It is the second time that credit report companies XXXX and Transunion insert incorrect information on my Credit bureau. Right now as of XX/XX/2017, it appears a debt in collection from XXXX for a total of {$700.00}, apparently from an early default from XXXX. I have never got services installed with XXXX in my life. And this situation of having incorrect information and/or possible identity theft have been a nightmare for me. I have to resolve issues every time because this kind of information is appearing constantly on my credit report, affecting myself deeply. I request that the collection reports that appear on my credit reports to get removed. From a previous case, there is a police report ( see file attached ) in all XXXX credit reports, stating that I was victim of identity theft and have to perform this for a previous case. I need this issue to be solved at once, because right now is affecting my possibilities to own a home thanks to the collections that incorrectly appears on my credit report. I would like to please help me out with this issue, because it is been a complete nightmare to deal with this issues by myself. I really do not know what else to do.

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 03-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've tried to increase my amount for payment with Naviet, which is virtually impossible. I am paying interest upon interest, and have called to her crease my amount which I can not separate towards principal. I have had automatic draft but I can. It change my draft date so it is drafted the same day and thus if it takes 48hrs to post I am then added additional fees that are then capitalized. I 've called to ask to have my draft date changed and they say they can only change to due date not the draft date. It 's unfortunate to have such a deceitful could no any taking advantage of so many college students. This process should not be that difficult, but they make it all most impossible to be able to reduce your debt without any penalties or red tape. I hope this company is investigated for all their corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Coinbase.com is withholding hundreds of millions of dollars worth of Bitcoin Cash ( BCC ) from their customers after Bitcoin underwent a hard fork on XX/XX/2017. They claim that they are simply not interacting with the chain, but that is not logical.
This is hundreds of millions of dollars we are talking about, possibly even into the billions. Unfortunately like many of the businesses in silicon valley their level of ethics and integrity are questionable at best, illegal at worst.
According to the company : https : //twitter.com/coinbase/status/XXXX We need the someone to step in and investigate what exactly is happening. Without committing my own overtly illegal action or spending a large amount of money to litigate, we, the public, are left at their mercy. It should be noted that other Bitcoin exchanges have credited their clients holding Bitcoin with their RIGHTFUL Bitcoin Cash.
COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Regardless of the fact that these " crypocurrencies '' are possibly the next great Tulip Bubble in the making, people are being wronged and someone needs to step in. The best analogy would be a stock spinoff. Imagine if XXXX XXXX decided not to interact with a stock spinoff -- that would be a crime ; there is nothing different occurring here.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the Equifax security breach. Equifax did n't take the proper steps to insure their " customers '' information was secured. After the cyberattack, Equifax tried to dupe effected customers into signing up for " XXXX '' which waives any rights to sue Equifax or be a part of a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Mortgage) with UNITED GUARANTY CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called XXXX. The next morning I called them, they claim to be collected for a company called United Guaranty XXXX Lien and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to United Guaranty XXXX Lien, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither United Guarantee nor XXXX is taking responsibility for adding that mark on my credit report. XXXX XXXX XXXX is asking me to pay them 22000 to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MO).
Issue: Application, originator, mortgage broker

Complaint: Applied to US Bank for a refinance of original US Bank mortgage and a US Bank equity loan ( all inhouse products for them ) on XXXX. They required me to write them a {$1900.00} check for Escrow of insurance and taxes even though I had a {$2200.00} escrow balance with them on the existing mortgage. As of XXXX/XXXX/15 they have yet to refund my original mortgage escrow balance. They sent correspondence that any balance due would be issued in approx. 30 days. The first due date was on XXXX and they have had more than 30 days to issue funds. These funds were also in their possession so they could verify the funds with no issues and no third-party. It appears they are using consumer funds to create quite a substantial " float '' without paying any interest on these funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation