milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a QWR to BSI on XX/XX/2016 and have had zero response back. I can not log in to their system to check any balances to make a payment and I have not received a statement from them since XX/XX/2016. I want to pay my loan but they are still not applying funds correctly and doing whatever they want. I call no responses back. I write letters and emails and no response. They are clearly violating Respa and CHBOR. I want to answers and access to my account online. I want my loan and XXXX I sent them to be applied correctly. The fees that they were trying to say from previous lenders have all been disputed and XXXX also sent them statement that I owed nothing and still saying XXXX. I have sent copies of payments to them and still lying. I want this cleared up and to pay my bill online. I have never had any servicer go to lengths to never send out statements, block online access and no response. All Illegal and also copying lawyer and Attorney General so there is proof of every violation. This will be taken to court as these violations have financial recourse for BSI to pay me. I can make my payments but it seems they do not want me to.

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 01/23/2018 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. Ambulance Ride XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} {$1500.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX This companies reporting the same debt twice on my XXXX, XXXX and XXXX reports. They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with CREDIT WORLD SERVICES, INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After pulling a copy of my credit report I noticed this company reporting inaccurate unproven information on my credit report in which I have requested for a compliance check with the credit bureaus in which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I purchased $XXXX worth of Litecoin on XX/XX/XXXX at approximately XXXX XXXX Eastern Time.  My debit card was charged, but never credited to my litecoin account.  I have E-mailed numerous times, and have not received a resolution to my problem.  It is now 19 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent in a mortgage payoff to Specialized Loan Servicing, XXXX, Colorado. It was rejected because the funds were n't certified. I sent in certified funds. I received a call that the payoff was short because of interest and that I could pay it off with a credit card over the phone. I asked first for a letter saying that this would pay it off in full. They refused so I did n't pay it. I just got a letter asking for additional funds to pay off the loan that says if the funds are not received by XXXX. on XXXX they will return all the money received. 
XXXX problems : I received that letter on Saturday afternoon, XXXX which meant a run to the bank and to XXXX to send it off in time. I missed the XXXX deadline. Problem XXXX : It seems to me they are deliberately making it difficult to pay to maximize interest. Why would n't a company accept a check and bill for the remainder if it were interested in a payoff? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I called capital one on XXXX/XXXX/2016 because there was XXXX in unauthorized charges. They asked if I knew a XXXX XXXX. I have never heard of this person and all transactions were in South Carolina and I live in XXXX. A month later the charges were still on my account. They NEVER opened a fraud case. So they finally opened one 2 months later. But instead of refunding the money they double charged it. Ive called five times!!!! They cant get this fraud right! I know crap happens but fix your mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently relocated to the US in XX/XX/XXXX. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under XXXX and 5 under Equifax ).  This was done without my approval and without even informing me. 

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XX/XX/XXXX which is the date I was in the dealership.

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 Convergent Resources, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX of XXXX, I asked for validation of a debt reporting on my credit file by, XXXX XXXX XXXX XXXX . However, Convergent failed to validate this debt. Responding with a letter stating the debt was valid, along with a copy of a XXXX bill. This document serves no merit, my signature is not attached to it, nor does it has an actual contract with proof of ownership attached. However, I 'm in the process of buying a home and wanted to take care of this matter, because it is hurting my credit score. Even though I do n't owe this debt, I needed it handled. I reached out to XXXX XXXX on XXXX XXXX, XXXX to speak about handling the incorrect information on my credit report. I came to an agreement with the company to settle the debt for {$280.00}, set to come from a checking account on XXXX/XXXX/XXXX. This payment was set up by XXXX XXXX XXXX. However, on XXXX XXXX, XXXX I cancelled this payment with XXXX XXXX XXXX until further notice. As I needed to do more research on the bill. XXXX XXXX XXXX assured me the payment had been cancelled. On XXXX XXXX, XXXX an alert was sent from the bank stating a charge of {$280.00} was sent from XXXX XXXX This company initiated funds from my account without my permission! This is 100 % against the law! I have spoken with XXXX XXXX on the matter, and the problem has still yet to be resolved! Convergent is now reported to my credit report account, as legally paid and or paid less than full balance. This is incorrect information and I demand it be removed from my credit report. This incorrect information has caused a tremendous blow to my credit score, due to this inaccurate information reporting. I have spoken with XXXX XXXX management on several occasions. Head manager XXXX XXXX has not helped me in anyway! He only offered a simple, I 'm sorry and this should not have happened! It will not fix the stress this incorrect information has caused. I am requesting that XXXX XXXX, cease all reporting to my credit profile. This company is very unprofessional and untrustworthy. They have caused me grave stress from this inaccurate information reporting. Your help would be greatly appreciated. 

Thank you kindly, 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 01/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit 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 04/19/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 02/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: i have another name on my account and i have other addresses that i dont live at anymore

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We make monthly payments on both private and Federal loans for my student loans and Navient keeps mis-posting payments to the wrong accounts and making phone calls to us to " collect '' on the bills even though we are paying. They are also charging late fees and making us pay these fees on the account when we should n't have to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Chase is illegally and incorrectly reporting cancelled debt ( for XXXX credit accounts XXXX Chase is continuing to report debt cancelled as open account with debt still due to Chase to credit reporting bureaus XXXX XXXX XXXX and telling me this is still legal debt they can report and collect. This is wrongly and adversely affecting my report and score with accounts that are closed reported as open and balances due that are no longer due as the debt was cancelled. 

I defaulted on XXXX Chase charge accounts XX/XX/XXXX, Chase closed the accounts few months after and XX/XX/XXXX issued me XXXX Cancellation of Debt for each of these accounts. And in addition to this even the amounts became income and I paid taxes on it. They can not say they cancelled debt and then still claim it is open account with debt still due and report as current account and balance to credit bureaus. They ca n't have it both ways when they cancel the debt, it is then no longer debt owed, and that puts me in double jeopardy paying twice on same debt. 

I have been trying to deal with the credit bureaus and Chase for about a year now and it 's getting me nowhere they are handling this illegally and need to be stopped, and my credit reports need to be updated to have this taken off it is no longer debt. I have been able to get it taken off the credit bureau reports with explanation as above and submission of the XXXX. But it keeps coming back to the reports as Chase keeps reporting it each month and I have had to go through this process multiple times and need to have it stopped at the source, Chase should not be reporting this. Right now XXXX accounts are still showing as open with balance due on XXXX, best I can tell right now it is not showing on XXXX XXXX and XXXX but I have no way of knowing for sure I can only order report once a year and it could come back at any time on any of the reports as it keeps being re-reported.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: They continue to call my job phone at least 12 times a day. They call the front desk of my job asking to be transferred to me. I have asked them not call my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Balance transfer

Complaint: To Customer Service Team From XXXX XXXX Account XXXX XXXX/XXXX/2016 I am notifying BARCLAY in writing on XXXX/XXXX/2016 XXXX PT -- I took out a balance transfer which is now due for payoff on XXXX/XXXX/2016 in the amount of {$1000.00} ( XX/XX/XXXX ). I am being told instead of being able to pay off this amount directly, BARCLAY will apply my intended payment to the amount balance due on my NON-BALANCE TRANSFER purchases. BARCLAY is punishing me financially for continuing to use my card for additional purchases and PREVENTING me from complying without penalty to the BALANCE TRANSFER transaction. This is equivalent to loan sharking and consumer fraud. BARCLAY puts me in a position to be liable for interest I am trying to avoid by paying off the BALANCE TRANSFER amount early/on time. If this is not corrected, I will cancel my account and I am also notifying ALL Consumer Credit Agencies of this practice of penalizing consumers who want to pay their debt in a timely manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX and XXXX XXXX we obtained sometime in XX/XX/XXXX.  Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with EQUIFAX, INC. (GU).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello I tried applying for a loan on XX/XX/2017 and when XXXX XXXX XXXX checked my credit score from equifax it appeared as my dads name.it also showed his date of birth Please get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 am having the most difficult time with Equifax, I recently received a copy of my Equifax credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about fraudulent inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete 13 inquiries on my credit file. Equifax sent me a letter on XX/XX/XXXX regarding my dispute and advised the inquires are factual record and to contact the creditors. Equifax did not provide me with any verifiable proof that these inquires are factual, I asked in my certified letter that the send me verifiable proof. I understand that Equifax should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Equifax has not provided me any proof or resolution to my concern. 

Inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (MD).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX I filed a claim to citi bank regarding unrecognized debit {$8000.00} which debit on my account # XXXX on XXXX XXXX, XXXX. The claim number is XXXX. Customer has asked CITI bank to return {$8000.00} to be back immediately. The debit {$8000.00} was deducted from my account on XXXX XXXX, XXXX. No one from Citi bank to call customer to verify this transaction. Also according to recipient 's claim : they NEVER received this {$8000.00} so far. It caused me immediate attention that CITI bank has made error. I can not tolerate this at all. CITI bank never brought me any benefit instead all losses : such as lost interest at least {$7000.00} from XXXX XXXX to current XXXX ; Promotional bonus {$500.00} and XXXX thank you points ; Whole property damages {$400000.00} due to bill pay caused problem ; all disputed transaction can not be honored ; customer 's privacy such as all transactions were released.

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 03/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX out of my XXXX student loans with navient I made a lump sum payment to pay off the entire loan. I was able to settle of approximately {$5000.00} less than what I owed but paid in full. The amount that I paid was still more than the original loan taken out due to high interest rates. During the settlement navient stated that this would show paid in full on my credit report and not hurt my credit score. I have never missed a payment and all other accounts are in good standing. But this shows as a potentially negative item because is states paid in settlement and in the comments states paid in full for less than full balance. They added the less than full balance which is causing the negative item. Because of this I have been denied for a couple of things including XXXX who I am trying to consolidate my loans with.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In  XXXX  of    2017 I re ceived my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX  /2017.  It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease

Complaint: Chrysler Capital has charged me a late fee for 3 months in a row even after I presented them cancelled checks showing that I made payment on time. Have written them about this and they have just ignored me. Will not be doing business with them again

Company response to consumer: Closed with explanation