milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receivables Performance Management is showing a collection on my credit reports for a bill/balance due to XXXX XXXX. This is not mine, i do not have XXXX service, never had it, and do not want it. 

I previously contacted them, and issued a dispute and re-investigation per the information listed on your CFPB website, and i have heard nothing except for copies of a bill or statement mailed to me. The bill has a name that matches mine, someone with a similar name, yet i live in XXXX, not XXXX. 

I disputed again, telling the collector this info and have received no response. This appears to be mixed up, or merged by accident on my credit report. I asked the collection agency to send myself the proof they are saying verifies this, and all i get are statements. This is not mine! I never signed up for XXXX, i never allowed ti to be signed up for under my name, and i never signed a contract or agreement at any point. 

I want this erroneous account removed from my credit reports asap due to the extreme negative effect it is having on my credit score please. 


RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/2016 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$520.00} Date Updated : XXXX/XXXX/2016 Original Amount : {$510.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : XXXX {$520.00} 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 07-03-2017 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: Account information incorrect

Complaint: Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I initiated a withdrawal from coinbase ( withdrawal reference XXXX ) on the XXXX XXXX XXXX for the sum of XXXX. The money should of cleared in my account by the XXXX of XXXX XXXX but the money seems to have disappeared. 

Several attempts have been made to contact customer support but all attempts have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Received letter dated XXXX/XXXX/2016 'last ACH payment returned unpaid '' & to contact loan counseling dept. 

According to my XXXX : XXXX/XXXX/2016 Payment processed for {$820.00} from your XXXX account XXXX XXXX XXXX. 
Estimated arrival date for this payment is XXXX/XXXX/2016. 
XXXX/XXXX/2016 Single payment to Bayview Loan Servicing was scheduled to be processed on XXXX/XXXX/2016 for {$820.00} from your XXXX account XXXX XXXX XXXX. 

XXXX # : XXXX This is happening for the second time & Bayview still has n't explained how they XXXX up the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Payday loan) with Big Picture Loans, LLC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a call from a XXXX XXXX from XXXX @ XXXX Ext XXXX stating that I owed {$400.00} to XXXX, but they wanted XXXX however they would take less. I asked for a validation of debt he transferred me to someone else who got made because he wanted me to go online & I was at work & told him now was not good to give me a number & I would call at a better time. He got mad & said he was going to tell the debtor I did n't want to pay. Now today XXXX XXXX, 2015 XXXX XXXX had come called people from my XXXX page saying I had used them as a reference. They will now not return my calls as I stated they I was going to make a complaint about their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Other mortgage) with RESIDENTIAL WHOLESALE MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX, XXXX # XXXX & XXXX. Cost me a purchase transaction as he was telling my borrower he had to cross qualify with his lender. My borrower refused and had a pre-approval letter from Residential Wholesale Mortgage , Inc & XXXX. This is a violation of the Privacy Act and the CFPB takes this very seriously. The lender XXXX XXXX at XXXX XXXX would not accept our pre-approval letter. This cost me time and money and we are still looking for a home. 

XXXX XXXX XXXX, XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I initiated a dispute with Experian, XXXX and XXXX on XXXX regarding inaccurate information reported on XXXX of my student loan accounts. As of XX/XX/XXXX the information had still not been updated despite the fact that the creditor had updated my accounts and sent out updates. On XX/XX/XXXX I requested cancellation of the disputes with all XXXX bureaus and sent documentation from the creditors directly to XXXX and XXXX in an attempt to have my file updated in order to be approved for a home loan. I was not able to do so for Experian. I spent over 90 minutes on hold, explaining the situation again and again, I was transferred 5 times and told my only options were to upload documents to the website or to mail the documents. The website was not working and no one would help to resolve the issue. I attempted to upload in pdf, with a file size of XXXX, which per the websites instructions was perfectly reasonable. I attempted XXXX different browsers on XXXX computers, I renamed the files, I tried to scan the pages individually. Nothing worked. Not a single representative with Experian provided me with a phone number, an email address, a name or anything else to assist me in sending these documents. The accounts in question should never have been reported as delinquent and are preventing my husband and I from making an offer on a home as we can not obtain a pre-approval. I am beyond furious that on top of being penalized and having my FICO driven down by erroneous late payments ( 3 years of late payments being recorded while these loans were included with a bankruptcy by the co-borrower on the account, not even me! ) and now I can not even update the credit file in order to obtain a home loan and not a single person with Experian lifted a finger to try to help me in resolving this quickly. It had already dragged on for more than 2 weeks. I am quite sure there are other secure methods for sending information, or someone within the company who could have assisted. Further, if their website is n't going to work then someone should be taking responsibility for ensuring there is either an alternative method that can be used besides mail ( seriously, you want me to wait ANOTHER 7-10 business days on top of the 10 I 've already waited because YOUR website is n't working?????!!!! ) to send information securely. As it is, we will likely lose the home we are trying to make an offer on due to mistakes that are not mine because no one was willing to help me.

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 07-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX 2015, I mailed Transunion and the XXXX other bureaus my request for an investigation into several erroneous accounts being reported by creditors and collection companies alike ( see attached dispute letter sent to Transunion ). The majority of these accounts were called upon by me and the creditors were not able to verify the ssn and my date of birth. Almost all accounts were subsequently removed by XXXX and XXXX. However, I received a bewildering response from Transunion dated XXXX that all accounts had been verified ( see attached dispute results ). When I called Transunion, I was told that all items were legitimately verified, however when I asked for the contact information of the individuals they contacted, Transunion was unable to give me any such information. Transunion it seems has not conducted any comprehensive information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Co-signed loan. Date of loan XXXX-XXXX-2010. Loan amount is {$10000.00}. Seven years later, the unpaid principal is {$10000.00} and the variable interest rate is 14.25 %. The interest and late fees are creating an installment loan that will never be paid off, thus my sons loan will perpetually haunt my credit. Im XXXX. I would like to retire one day and buy a retirement home. But due to Navient and this loan, it will come at a higher cost. Even if i give in and pay off this loan for my son, i still have an adverse event on my credit until I am XXXX years old. And what will that teach my son about responsibility for his own actions? I see he made payments on time. Seems like i should be able to get a release now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: My obligation to repay the money borrowed for my real property was not properly secured by a valid deed of trust because the document was notarized in XXXX XXXX and the money was borrowed in XXXX XXXX. Specialized Loan Servicing has been continuing to collect the debt based on an acceleration by XXXX XXXX XXXX which resulted in a non-judicial foreclosure. Acceleration and non judicial foreclosure are only permitted if there is a valid deed of trust recorded securing the interest of the lender in the property. I am attaching the first XXXX pages of the deed of trust and the last page which is the acknowledgement page because the entire deed of trust is too large to upload. The statute of limitations has run on this unsecured debt as the last payment was made in 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 08/24/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX mixed up my account with another XXXX XXXX living in XXXX who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for XXXX months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX as opposed to the XXXX where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I took a loan with Wells Fargo. The principal is paid in full but they are still looking for {$320.00}. they are claiming that i was late paying but even if that was the case, i did make the payments and they should have gone towards late fees. instead, they added fees to the late fees ....

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 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Notified company that statement was NOT received. Disputed late and extra interest charges applied. Statement date was XX/XX/2015. Company responded by filing a complaint on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied snd these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have never lived in Texas. The address in Texas is not me. Thanks

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted experian about reporting a bankruptcy on my credit file. I spoke the bankruptcy court, they informed me they never received a request from experian. Experian is reporting incorrect information on my file. They used second hand company to get incorrect information. I never filed a bankruptcy, I sent a letter to experian asking them to remove all incorrect reporting. They sent a letter back stating verified.

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 07/21/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have 2 store cards with XXXX XXXX and I lost my job on XX/XX/XXXX and havent been able to pay the minimum balance. On one of the cards I suppose to have the CC protection that would protect me if I lost my job. I talked to XXXX around XX/XX/XXXX or so to ask for some type of payment extension because I otherwise pay early or on time and I pay extra. They refused and now I get at least 25-30 calls a week from unknown numbers and numbers with area code ( XXXX ) and ( XXXX ). It has gotten so bad to where I had to block the number and now I have 31 voice messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Since XX/XX/XXXX, I had a XXXX IRA Money Market acct with Bank Of America. From then until XX/XX/XXXX, I earned a total of {$130.00} in interest on a initial {$1000.00} deposit. Recently the interest rate was so low, that I decided to move the money to XXXX XXXX. I contacted BOA and they said they would not do a transfer. They would either send me a check or I could get XXXX to do the transfer. At no time during this conversation, did BOA mention a fee for making this transfer. Since the IRS has strict rules about taking the money from an IRA and moving it on my own, I decided to ask Ally to do the transfer. Once the transfer was complete, BOA notified me that they withheld {$50.00} from the transfer, calling it a processing fee. I contacted them and they said that they told XXXX about the fee and that XXXX should have informed me. They also said that this fee is stated on my quarterly statement. XXXX said that if BOA had told them about this fee, they would have instructed them to relay the information to me and that it was n't their responsibility to inform another bank 's customer of their fees. In addition as you can see from the attached statement, there is no mention of this fee on the quarterly statement. I have XXXX and XXXX and keeping track of all of a bank 's rules are difficult for me. I thought by calling BOA at the beginning of this process, I would be making sure that I made an informed decision about how to proceed. I do n't have a lot of money and they ended up taking XXXX % of the interest it took me 7 1/2 years to earn. Also, why are they entitled to a processing fee, when they refused to initiate the transfer and XXXX was the one who did all of the work? I spoke to several customer service people at BOA after this occurred and they maintain that they have a right to charge this fee. They may have this right, but is it fair, especially considering how small of an account this was. I also think this is unfair because the IRS recommends an account to account transfer to minimize tax problems and BOA is using this to their advantage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX. Last Payment date is not being reported properly after I sent the letter from XXXX. account should be removed immediately. i have sent them numerous letters and faxes to have this corrected and account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: TeleCheck doing business as TRS RECOVERY SERVICES, INC attempted to collect money for the following fraudulent charges. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$33.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$58.00}. 

I am disputing fraudulent charges using my name, for checks written from XXXX in the amount of {$23.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX, 2014 Reference Number XXXX for a total of {$48.00}. 

I called XXXX the bank where the the checks would have been issued from and there was no record of a checking account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: In the middle of XXXX I requested a loan modification, due to getting hurt on the Job and I started to receiving XXXX benefits. I went through the trail period and successfully completed. According to Quicken loans I was late for the Month of XXXX XXXX and XXXX XXXX. Which was not true, They instructed me NOT to pay for those two months, and the proof are in the recordings. Please instruct Quicken and Loans to please provide all phone recording from XXXX XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage serviced by Seterus. Over time the payment changed and we were not aware of it but continued sending the original payment. Over a period of months the shortage accumulated to about {$1500.00} - {$1800.00}. We requested that Seterus add this amount to the back of the loan. They requested paperwork, and we supplied them, but nothing was done .We never missed a regular payment. However, now they are saying we are behind six ( 6 ) months, and sending us default notice.

Company response to consumer: Closed with explanation