milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio RC This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XX/XX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with TransUnion to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Portfolio RC went unanswered within the specified time frame according to the FACT act ( XX/XX/XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & PORTFOLIO RC with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( PORTFOLIO RC denied that they received anything during a follow up phone call ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress XX/XX/XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease

Complaint: The lease company Mazda capital services ( through Chase ) makes you set up automatic payments from your checking bank account to pay for lease. My lease ended on XX/XX/2017, but the automatic payments continued to be withdrawn. I noticed it in XX/XX/XXXX and called Mazda capital services. They said they can not refund my payment now, they will give it back in the next 10 weeks! I am without my money for 10 weeks, and feel they were taken fraudulently from me, as the lease ended, but the company continued withdrawing payments. If they do it, they have to pay interest on the money that they take from customers this way!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX on XX/XX/17 regarding a road toll debt I informed XXXX that because of this debt a DMV hold was placed on my plates, I asked if I could get a settlement on the XXXX she offered me XXXX. I called today XX/XX/17 to pay the debt, when I called and spoke to XXXX I adv her of the settlement offer and wanted to pay it. She informed me that the settlement offer was invalid since I had the DMV hold I adv her I told the original woman about the hold. I then spoke to a supervisor XXXX and she told me the same thing. I said I will report this but I had to pay the full debt to get the hold taken off my DMV tags. Then I was transferred to the payment rep and when I got over there and I said I wanted to pay the debt she took the payment. I then asked for a receipt of the payment and I was told they do n't send out receipts I asked to be transferred back to a supervisor XXXX and she told me it is policy not send out receipts and the rep was supposed to inform me of this before they took the payment ( She did not ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Consumer Loan (Vehicle loan) with Leaders Financial Company (NJ).
Issue: Managing the loan or lease

Complaint: I am disputing late payment entries that Leaders Financial had put on my credit report. It states that I was 30-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Shopping for a loan or lease

Complaint: This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires 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 explanation
Consumer complaint received 11/16/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Other

Complaint: Bank of America failed to pay debt promised when I purchased their Credit Protection product for my credit card. In addition, upon submitting my initial claim they increased the Finance Charge on the balance due from a variable 3.99 % -12.99 % to a fixed 24.99 % therefore effectively making any payment they made under their Credit Protection Plan to my account useless in terms of reducing the balance due on my account. Furthermore according to the order from the Consumer Financial Protection Bureau, they failed to reduce the balance due by the amount they charged in fees for their Credit Protection Plan and credit my account the total of those fees. Lastly, they are incorrectly reporting the amount of the initial credit limit to the XXXX major credit bureaus as well as the date of the initial past due amount which causes the statue of limitations to extend past the time allowed under the law for which state I live.

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 06-04-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Trouble during payment process

Complaint: We had some financial issues in XX/XX/XXXX and had to file bankruptcy. We had reaffirmed our home and had all payments caught up by XX/XX/XXXX. In XX/XX/XXXX CitiMortgage sent a statement indicating that we were still 1 month behind on our mortgage. I had contacted them by phone beginning that same month about the situation and they assured me that they had found the mistake and would correct it. Several months passed and every month I had the same discussion with them about the missing payment. I had finally sent them documentation by fax, email and certified mail showing that the payment had cleared my account and nothing was ever settled. I fell behind again in XX/XX/XXXX and by XX/XX/XXXX, I called to catch the payment up but the mortgage company would not except payment over the phone. On XX/XX/XXXX I mailed 3 payments to CitiMortgage. They sent the checks back to me stating that they received the checks on XX/XX/XXXX and my account was referred to the foreclosure lawyers on XX/XX/XXXX. I then asked them the amount that needed to be paid to stop foreclosure and reinstate my loan and they could not tell me at that time and that I would need to contact the foreclosure attorneys. I then contacted the attorneys on XX/XX/XXXX by phone and was told that they would have to review my case and it would 3 to 5 days to send me a reinstatement amount. I received an email from the attorneys on XX/XX/XXXX providing me with the reinstatement amount including several charges that I disputed. I sent a letter by mail and fax disputing the charges. I never received a response so on XX/XX/XXXX I wired the money in the reinstatement quote as instructed to the attorneys account to meet the deadline and stop foreclosure proceedings. I have attached some of the correspondence requesting information. <P/>Thank You, 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 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Please be advised that this complaint involves Citibank and my previous complaint case # XXXX. Please note that the person named answering the previous complaint XXXX XXXX XXXX XXXX is not the party that actually answered my complaint through the CFPB. I spoke with XXXX XXXX today on XXXX different occasions, where she stated she XXXX ) Is a private contractor hired to help out the Agency and Trust Department of Citibank XXXX ) She is not an employee of Citibank NA and XXXX ) she just returned from being out of the office for an extended period of time. At approximately XXXX I was contacted by XXXX XXXX colleague at Citibank, XXXX XXXX in California who claims she is a VP of the Agency and Trust Dept. at Citibank. She informed me that XXXX XXXX is not an employee of Citibank and there is no way that XXXX XXXX could have answered a complaint from CFPB since she is not an employee of Citibank NA. She stated she would forward my emails to XXXX XXXX to XXXX XXXX at XXXX XXXX. A consumer/homeowner should not be led to believe that a specific person from any bank entity is the party responding to a complaint, when in fact they are not the party at all responding. I have conversed with XXXX XXXX XXXX time today at XXXX and I have conversed with XXXX XXXX on XXXX separate calls today at XXXX. While there is no harm committed with regard to their response in that I should contact XXXX XXXX at XXXX XXXX, it is still misrepresentation that I am being led to believe that an accountable party from Citibank is supposedly answering my complaint, when in fact this is not the case. The fact is that someone else wrote the response and attached the private contractor XXXX XXXX XXXX XXXX to the response to my complaint. I would think this is a clear violation of the consumer protection law. Again, nothing is as it seems. The deceptive web is a finely engineered model, and its intent is clear. I do not blame XXXX XXXX, for how could she have possibly known without my contacting her! There has to be some accountability for this mistruth somewhere though! 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am trying to access my Free Annual Credit report with Experian and they, every time fail to deliver a report. Instead they prompt me with a form requesting I send in documentation, which I have completed on numerous occasions, and still do not have a copy of my free annual credit report from Experian. They are putting my at risk by not being able to validate the information on my report is correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling XXXX - 10 times a day bothering me at work also

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 02/20/2017 about Credit reporting () with TCF NATIONAL BANK (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: As of XX/XX/XXXX, Gateway One requested an inquiree on my report for no reason and without my authorization. I applied for an auto loan with this company XX/XX/XXXX. There should be no reason that my report should be pulled by this company 2x 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I had Citimortgage purchase my mortgage from my original mortgage company in XX/XX/XXXX I started paying and everything was going good in XX/XX/XXXX I lost my job do to my XXXX I still managed to make my payments even after they refused to help me, in XX/XX/XXXX my mother had XXXX by XX/XX/XXXX I tried to again get them to help and they again refused, in XX/XX/XXXX my mother who XXXX was diagnosed with XXXX and I was trying to cope and take XXXX again Citimortgage refused to help at one point in XX/XX/XXXX my grandpa died and they not only refused to help me all those times they harassed my tenants to the point on several occasions the payment was a day late or not even by the XX/XX/XXXX of the month and they had representatives at the door of the house at XXXX telling the tenant that I was not paying my mortgage and they would be evicted I lost good tenants because of Citimortgage I have been done so wrong by the company they have violated me so much and I am still blessed to have kept up with my payments There has been times I pay on time by the XX/XX/XXXX but their system reports it not paid I noticed a strong pattern of always posting a late payment here and there to keep me posted and deliberately hurt my credit so I wo n't be able to refinance since I owe XXXX and the house is worth over XXXX they want me to loose so they can cash in Please help I have requested all the errors to be fixed but they refuse I have a record of every payment and even if they are dead wrong they do n't fix the issue Please forward my complaint to any and all other governing agencies that can help Again because of XXXX it takes me a very long time to find help

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 06-10-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have lived in our house for 3 years and we asked Shellpoint Mortgage ( the current lien holder of our house to perform an appraisal, as we wanted to know how much equity we had in the house at current market value so that we can pay the difference to get it up to 20 % so that we no longer have to pay the PMI. The appraisal was done and we were charged XXXX The value of the appraisal was much lower than the amount on which the county was calculating our property taxes, so I asked for them to send me a copy of the appraisal so I could see where the discrepancy was. It took them nearly a month for us to receive this appraisal ( and I had to call several times to request it ). The appraisal finally came and my husband noticed that the square footage on the appraisal was XXXX, which was XXXX square feet lower than the XXXX that is on record with the county, which resulted in a valuation of our home that was {$10000.00} lower than it should have been ( assuming the same value/sq foot that the appraiser was using on the appraisal ). On XXXX XXXX, I called Shellpoint to request that the appraisal be corrected. Since then ( nearly 4 weeks ago ), I have been calling every few days to check on the status of the correction of the appraisal, and it seems things are not moving forward. They have had plenty of time to correct this straightforward error. Please help. Every month that passes that the appraisal is not corrected is costing us {$170.00} in PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there XXXX of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my infoWhen I receive a tax notice from the Commonwealth of XXXX using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year 2010 when that is n't true - this is something I 've just recently put XXXX and XXXX together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theftWhen I get a letter from XXXX Food Stamps agency that says my application file was accidentally opened and opened by an agency in a different county than mine...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.

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 01-09-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: The company in question is XXXX / Coinbase. 

I transferred funds to XXXX using a SEPA transfer from the XXXX on XXXX XXXX. The funds were showing in my XXXX account 2 days later - converted from GBP to XXXX. 

Due to changing circumstances, I need to transfer the cash back immediately - again using SEPA. Everything is in place for this to happen - my account is properly linked, and the balance is clearly showing. When I try however, I get the error message 'Insufficient Funds '. I have n't bought or sold anything on the exchange, so the money has been sat in the same place since I transferred it. I get the same error message if I try to withdraw a smaller amount, or even to trade on their exchange using my funds. In short - despite showing the full balance, XXXX are not acknowledging that the funds exist. Please see attached screenshots of the balance, and error message. 

I have tried emailing XXXX and Coinbase support multiple times. They have only responded once - with a reply completely irrelevant to my query - I 've also attached a copy of this - other than that no response despite emailing 5+ times, and spending hours on hold for their support team, only to be hung up on immediately after connection. 

I simply want my funds back quickly. Given the ease with which I could set up an account and send funds TO the company - the difficulty I 'm having withdrawing those funds, or even getting a reply at all - smacks of fraud. 

If you can offer any help, it will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies

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 08-11-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Recently reviewed credit report stating that I owe a debt with XXXX XXXX that being collected by National Credit Adjusters. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.

Company response to consumer: Closed with explanation