milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CHEMICAL FINANCIAL CORPORATION (MI).
Issue: Trouble during payment process

Complaint: Hello my name is XXXX XXXX - I am the POS for my dads property at XXXX XXXX XXXX XXXX, XXXX XXXX. MI, XXXX ( POA is attached ) I have sold the home and I have a XXXX dated from XXXX stating that the debt was released is attached, and the taxes on this are being paid via the proper filing on taxes with tax accountant who completed them to the federal government and the state of Michigan. The original loan was with XXXX XXXX XXXX which was acquired by XXXX XXXX they were bought by Chemical Bank. XXXX discharged the debt before Chemical Bank took then over and now has all of a sudden ( Chemical Bank ) now has tried recording their interest in the property ( until XX/XX/XXXX ) and there was nothing about the equity loan filed with county ( attached ). Chemical bank now is saying its a collection and we owe {$48000.00} when we have the paperwork attached from XXXX XXXX stating that the cancellation of debt dated back in XX/XX/XXXX and again attached is the XXXX cancellation of debt.
Regards, XXXX XXXX XXXX Email : XXXX I have also secured a Tax Attorney as representation to resolve this matter : 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 explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my XXXX, Equifax and XXXX reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX Bank. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company continues to contact my family and provides information about my personal situation with them. They called every one of my siblings and told them legal action was being pursued against me. This information should not be shared with my family. Each family member received a message on X/XX/18 with my personal information. I have previously sent a cease and desist letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This happened during the year of XX/XX/2016 where I had XXXX emergency visit to XXXX for XXXX. During the time, my insurance had my out pocket cost capped at XXXX dollars of medical payment. I have paid my XXXX dollars of out pocket and yet there are emergency room bills that should n't be charged to me at all still kept reminding me that I have to pay the bill. I have contacted the emergency service and my insurance multiple times and yet the bill still went into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: To Whom It May Concern, We have been trying to process a short sale on this property with Carrington Mortgage Services ( servicer ) and XXXX XXXX ( investor ). After the interior value was completed, we received a message asking for {$270000.00} net to entertain the option for a short sale approval. We provided evidence to the servicer and investor of the current condition of the property that is not being considered on the current value. The property shows signs of the following issues : 1. MOLD 2. Leak on the foundation causing damage to the foundation and humidity ( Mold ) 3. Electrical and Plumbing system are outdated and could represent a hazard The investor ( XXXX XXXX ) replied back to us that they require a {$270.00} net offer to move forward. We understand that they are not required by law to proceed with a short sale option, but we believe that this type of investor are abusing their power and the lack of regulations against this market makes easier for them.This a very common practice from this particular investor ( XXXX XXXX ) managed by Mr. XXXX XXXX, they overprice their properties to get the home owners out with a foreclosure. we believe these type of practices should be regulated by the federal government to avoid this type of abuse towards the people on a default situation that are trying to get a fresh start for them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: XX/XX/2015 I traveled to California. I noticed early Sunday morning ( XX/XX/XXXX ) that many fraudulent charges were made to my account. I tried to immediately notify Bank of America. They were closed so I had to wait a few hours until their fraud department opened. Once I reached them, the agent indicated that I had to wait for all of the pending and incoming transactions to actually clear before they could help me. So once they cleared, I had to call back again and get their assistance. 
It took a few days, but Bof A returned my money. I thought it was resolved. 

On XX/XX/XXXX, Bof A began taking my money out again. I called and after speaking with XXXX agents I was told that my claim was denied. I was told that BofA had written proof from each merchant that I made the purchases. The " proof '' indicated was my full address. 

Many of the charges are obvious - large sums of cash, the purchase of XXXX cell phones from different companies ( neither my current provider ), and multiple calls to a correctional facility. There was also an initial charge to XXXX a company that can pull all of my vital information ( address, birthday, email address, phone number ) which happen to be the items Bank of America claims they verified with the individual merchants ; this is the basis of their denial of my claim. 

I started contacting each merchant. Based on the limited information from my bank statement, the same limited information that Bank of America has, they can not find any evidence of the transactions ; which refutes Bank of America 's claim that they were able to prove that I made these purchases. If I ca n't get to who used my card and my own information, then how can Bank of America deny my claim based on that supposed information? 

I have now spoken with XXXX agents regarding this incident and have yet to be returned my {$1800.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have incorrect information on all the credit reporting agency, XXXX, XXXX, and Transunion. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX Transunion incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES

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 04-12-2015 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Transaction issue

Complaint: XXXX synchrony bank i purchased a tv online then called this bank to see if i got the 18 mo. no interest. they told me that online purchase did not qualify. i went back to XXXX to cancel well within the XXXX minutes they allow and before the item was shipped. i was able i thought to cancel. the next day i received an email saying it was shipped so i called synchrony bank the person told me to not take delivery so i did that. this is the description of that transactionXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Date XXXX/XXXX/2015Location XXXX XXXX XXXX, XXXX, AR, XXXX $ XXXX Number XXXX XXXX XXXX XXXX tv they said it would take 60 days to review, well after many calls i am no where near the end. they said the charge would remain in dispute without charge. i do not like to see this XXXX on my statement after XXXX days. i have paid my balance down early to get these people out of my life. i now have overpaid my account minus this charge. i also have a copy of the XXXX tracking of this item stating it was refused and sent back to shipper XXXX/XXXX/2015 which i told the bank. my thoughts are they are kiting this money at my expense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Century Finance, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX the manger at century finance did not communicate that he was in an attempt to collect a debt several times. As well as XXXX his employee contacted me at work with out the Mini Miranda script. I was unaware they were attempting to collect a debit. Century finance inc, in North Carolina would also call me more than 10 times a week after I told them I have had a hardship and I will contact them asap. They also called my job XXXX so they had to call several places to find me. I also stated not to contact me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CDI Affiliated Services, Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original debt of {$520.00} has been paid to the original creditor, XXXX, about a 1 1/2 years ago. CDI Affiliated Services insist I owe them a sum of {$260.00} of pure interest. There is no more principal because XXXX accepted my payment in full in order for me to receive services from them again. As far as I can tell CDI A.S. is in a violation of The Fair Debt Collections Act 808 15 USC 1692f Section ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
I can assure you no such agreement was ever established or authorized while creating the debt. CDI is not attempting to collect a single penny as principal, but rather {$260.00} of pure interest. Are they, or are they not in violation of this Fair Debt Collection Practices Act? They still currently show as owing XXXX {$260.00} on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: chase-credit limit not  XXXX  accounts with a balance   XXXX   still showing on report-  XXXX     XXXX   XXXX   card.   Age of credit history not current.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted this company on multiple occasions and I still have no resolution. I have been writing this company since XX/XX/2017 with no resolution. XXXX is station that I have a debt that is not mind. I have challenged the accuracy of this debt with no validation. This company bears no signature to verify this debt. XXXX states " I owe them {$380.00} and that the account has been placed in collection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: Hello thanks for read this! 
Have a technical trouble to accss to my account on coinbase. 
Explains the reason. 
Recently I change my contry of Living, I am travelling in XXXX for couple of months and I will Come back to my home in XXXX. I was living in XXXX for 1 years and of course had a phone number XXXX. 
Because I close this account ( phone number ) I cant  have access to my account because they send my a code for change my password. I didnt want to XXXX this password but I wouldnt access to my account on my computer ( dont know why because on my phone this password was working ). 
I decide to change this password to have complet access to my wallet in both system. 
I dont receveit the code so I need to change of phone number on the website and my account but doing this i Need to verify my account. 
That there have trouble too because they cant verify my passport and a selfi of Me ( maybe because in my account its not XXXX for the contry of residence ) but I can change this of course because of the password I cant  have acces to my account. 
I try to call them few time nobody answers, I try to send some email for explain the situation but they send my a links for verify my account. 
I invest more than 1000 $ in and now I dont know what going on.

All this happening 2 last week ago. 
I open a request but nobody send me nothing. 
I have the felling to have lost this money!! 
I have my passport and all What I need to get access to my account its frustrating. 
I Hope you can give me a way to done something and get back this money. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Non-federal student loan) with MOHELA (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My loan was in deferment/forebearance and MOHELA reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: From XXXX 2016 to present, Citifinancial has continued to report erroneous information on my credit report. I have attached the response I received from them. They state that I took out a loan, secured and defaulted with a property located at XXXX XXXX XXXX XXXX XXXX FL. This would not be possible, since I have never owned a property at such address.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AllianceOne Recievables Management (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: AllianceOne and XXXX are continuing to report incorrect information on my credit report regarding a bill that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NV).
Issue: Money was not available when promised

Complaint: Hello, I used Western Union ( WU PAY ) service to send money to XXXX for emergency on XX/XX/XXXX. I call WU on XX/XX/XXXX to see if they got money from my bank yet and they said due to technical issue so they have not received the money yet. I called my bank company to check if my money has been sent to WU and I was told that money has sent to WU. I called WU pay back and explained to them and was told to call back in 24 to 48 hours to check the status of the money. I called them back daily after the XXXX and until the XXXX I got an email like this : " Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. " I called them right after the email on the XXXX and was told my transaction has been cancelled and I will receive the refund within 3-5 busniness days. I questioned them why did not they notify me about the cancellation and the answer was : " you did not receive an email from us yet? I am so sorry if you did not " Today is XX/XX/XXXX and after spent 5 hours of talking, waiting from dept to dept I still have not received my refund yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with USA DISCOUNTERS LTD (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased furniture from USA Living in XXXX on XX/XX/2015. The purchase price was about {$4300.00}. They also added on a warranty and something called debt cancellation program totaling over {$1500.00}. No one explained what the warranty was for or what the debt cancelation was or why I needed it. Neither of these charges were explained in the contract to me. I was XXXX when I signed this contract. I have recently found myself being overwhelmed with debt. They have been calling me 2 to 3 times a day hounding me and harassing me for my late payments. They threatened to contact my chain of command. I finally met with an XXXX Personal Financial Counselor and I asked them to stop contacting me by phone.

Company response to consumer: Closed
Consumer complaint received 05-04-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have setup payment arrangements with a couple of my collection accounts. I have noticed on my credit report that it does n't show I make any payments. I make the payment on time and it still shows XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Consumer Loan (Installment loan) with 1st Franklin Financial Corporation (GA).
Issue: Managing the loan or lease

Complaint: Loan has been paid off since XXXX 2015, and is still being reported as an active loan on my credit report. When I contacted the company I was told that they have been working on the problem for over a year now. When I complained that my credit score was suffering, I was told " You and everybody else ''. They then told me that maybe it would be fixed in a couple of months. What can I do to correct this? My score dropped by XXXX points!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX Credit/Infinity XX/XX/XXXX - company unresponsive XXXX Credit/Northwest XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit Factual XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX/XXXX XX/XX/XXXX - never heard of the company - did not authorize

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