milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2016 about Mortgage (Other mortgage) with CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (CA).
Issue: Application, originator, mortgage broker

Complaint: OneTrust Home Loans is actually the fictitious business name of Calcon Mutual Mortgage, LLC, a XXXX LLC headed by CEO XXXX XXXX ( XXXX ) and his brother XXXX. On XXXX/XXXX/2016 I recieved a solicitation telemarketing call from one of the employees, XXXX XXXX from his personal cell phone at XXXX. I asked XXXX how he obtained my personal cell phone number. He stated that he got it off of one of the tax returns of his mortgage loan client. I was shocked. I said " seriously you got ta be kidding ''!!! He actually pilferred confidential information off of a clients tax return. XXXX!!! 

If you use these wierdos your privacy is gone forever. To steal information off of a clients tax return and use it for telemarketing is beyond bizarre, it is likely criminal. 

Now for the wind up ... my cell phone is on the do not call list. I am registered. These OneTrust guys can not be trusted with your information and they do not follow the laws. It is in fact a crime to violated 47 USC section 227. The crime is listed under 47 USC 501. It is also a crime to violate XXXX Business and Professions code 17200. 

I filed a complaint with the Department of Business Oversight. I doubt the government will do anything to stops these mental nutcases. But you can do one better, do n't use them tell your friends to not use them either. Protect your privacy and get rid of scum telemarketers, use a different mortgage lender to get your loan. 

If you want to tell XXXX what you think of his racketeering enterprise, then email him at XXXXXXXXXXXX. But be prepared to be chewed-out like he did to me. 

The headquarters is at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to pull my Equifax report at annualcreditreport.com. went thru the entire process to and then was kicked off the system. I went back in to try again and it told me I already pulled one as of todays date and cant get another for 365 days. There is no person to talk to at annualcreditreport.com and no one would help me at Equifax. they just referred me back to annual credit report.com 's XXXX # where you cant talk to anyone and said its just what it says I have to do. Horrible waste of time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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'm a business owner. We often borrow money and we are always asked to sign personal guarantees. The loans never report to the credit reporting agencies since they're commercial loans. We currently have one reporting with Experian for a commercial loan or in this case a merchant cash advance with XXXX XXXX. Experian has refused to remove it from reporting as a loan on my personal credit report. I sent them the loan agreements for the loan, the incorporation and dissolution filings with the secretary of state. Those documents showed the loan was made out to a corporation that was also dissolved. Experian denied my request after requesting the documents be sent to them for review. They actually stated to me that XXXX XXXX  was their customer and they had an agreement with them.

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 01-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found through XXXX XXXX that there was a collections posted in my name on XX/XX/2016 by Professional Debt Mediation. I was never notified in any form of anything that was sent to collections and therefore was never given the opportunity to dispute. It is also a false claim from an apartment I was renting. I have been out of it for nearly 2 years now, and when I left we were in agreement that everything was taken care of. That is after I had to prove with receipts ( that they should have ) that I fixed the things they were claiming were dirty or damaged with no proof. Now my credit score has been damaged in the middle of buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the Credit Reporting Agencies about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX XXXX XXXX XXXX and have been told they do no delete hard inquiries even though I did not authorize the inquiry. I called back Transunion to advise them of the statement from XXXX XXXX XXXX XXXX. I have disputed and written letters and I have been continuously told by Transunion the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX XXXX XXXX XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.

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 03/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I am being forclosed on by Wells Fargo. I have been in my home for XXXX years, my mortgage has been traded or sold a few times. When Wells Fargo had it, they gave me a line of credit which they said was like a XXXX mortgage. I was having some financial difficulty because of a theft and tried to refinance. WF took that line of credit and my XXXX mortgage a put them together telling me it was a modification.They told me the interest would be a lot lower than 12 % and I would be paying less what I was paying at the time. They instead brought the interest rate up to 12.02 % and {$1100.00} a month and told me I did n't have a choice in the matter and I should have read the fine print. In XX/XX/XXXX I lost my job of XXXX years becuase my boss XXXX. I was on unemployment for a XXXX in which they temporarily reduced my payment. They told me they would work with me and make it so I could still afford my home after the unimployment was done. I have applied and reaplied. They will notwork with me. I can not afford the 12 % interest and {$1100.00} payments since I only make {$XXXX} an hour now. They refused me a Hamp Loan or any other plan because they say that I got my loan after XX/XX/XXXX which is not true. They even tried to sue me for the title that they lost. The people bullied me and were very rude. The woman that I talked a few times keep calling me and telling me that I needed to just turn over the house to them and after my surgery I could die then it would be a problem for them to get the house settled so just turn the house over to them before I went to the hospital.. At the moment I am trying to find a Lawyer that can help with this. I did have a Mortgage counsiler from the State that spent XXXX hours working with me and WF trying to resolve this. She said that she had concerns of their predatory nature of thta loan. I do not want to lose my home. I am trying to get the loan where I can afford it at an resonable interest rate. Im not sure where to turn. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Payoff process

Complaint: Describe what happened so we can understand the issue ... 
In a nutshell, I had a Chase bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. ( SEE ATTACHED LETTER dated XX/XX/XXXX ). I paid them, PER THEIR TERMS, and received confirmation from them via a mailed letter dated XX/XX/XXXX, that they are ... .. 'pleased to confirm that they received the payments to complete the terms of the settlement agreement ' ... ... ( SEE ATTACHED LETTER dated XX/XX/XXXX ). 

Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms stated in their letter to me, but are reporting : " charge off '', no mention of any settlement, and " settled for less than full balance '', etc ... paid in full for less than full balance, etc. ( see attached letter dated XX/XX/XXXX ). THIS IS NOT THE SAME THING AS THE XXXX WORDS I WAS PROMISED- " SETTLED IN FULL ''. 
I did not agree to " settled in full, for less than full amount '', or any similar term. The point of trying to settle this account was to clear the negative trade line! 
Chase insists they have no control over how the XXXX CRA 's report on this, and they are reporting this correctly. 
I see a BIG difference in an account being noted as SETTLED IN FULL vs. " paid in full for less that full balance changed off ''. 
I feel that their collection practices are fraudulent and I feel that I was tricked into trying to resolving this account, with false promises made by them about how the account would be noted, once paid per their terms. 
They also state that they can not delete information from my credit report, which is also a bold lie ( see attached letter dated XX/XX/XXXX ). They are the ones who reported this to begin with and, they have the power to correct this, or even just delete the whole trade line, since it is being disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I do have a Mortgage with NationStar Mortgage. After having them modified the loan in XXXX 2013 where I started making payment. On XX/XX/XXXX of the same year I have my XX/XX/XXXX payment returned. When I contacted them, they informed me it was because the mortgage went up and my payment was not sufficient to pay the new mortgage amount. I have never received any letter telling any thing about me that. Since then, the account is a mess and they have no desire to fix event though I made several request for that. Now I am afraid because I do not know when they will come and kick me and my family out of the house. To finish with this situation and have, my family and I, peace of mind, I decided to sell the house. It is at this point that I was informed that I have second mortgage on the house which I have never requested and know about it. Even if I sell the house for the amount of {$290000.00} I can not pay off the loan that was originally for about {$180000.00}. I like my house and it is the only one I have to live with my XXXX ( XXXX ) kids. I need help to solve this situation that last too long due to a miscommunication on the part of the lender. I did all I can but with no solution because the Mortgage Company does not want to find a solution even though I can pay for my mortgage. I work so does my husband. And with both income we can easily make our monthly payment, but NationStar Mortgage refuse all my proposition for solution. 
I have more to say about this Mortgage Company, but I save them for later.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with Colony Brands, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have mailed certified le tters to Swiss Colony, a nd   XXXX   regarding this account.     XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to  XXXX  They claim I owe {$240.00} to an account that is not mine, or related to me.     I have asked numerous times for documents/contracts bearing my signature and they refuse to provide.      Swiss Colony sen t a letter to me  X/XX/2017    asking for information from me including a signed affidavit. I do not need to provide them a thing, and they continue to say things are mine, and  XXXX  is not deleting and claiming they verified account with  Swiss Colony with no signature.

Company response to consumer: Untimely response
Consumer complaint received 09/18/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: I mobile deposited a check that I received to be a mystery shopper into my USAA XXXX account on XXXX XXXX. I called USAA and they assisted me registering for my account. On Saturday, the XXXX my husband contacted USAA and inquired if the check had been deposited and if the funds were available. We were told that they were. At no time we were told that due to being customers that they released the money. On Wednesday the XXXX of XXXX, I checked our checking account on USAA and found that the check was fraudulent and that the money had been withdrawn from our account. We were never called or emailed. After doing research, we discovered that the mystery shopper was a scam and that the Department of Treasury issued an alert to all Banks about this bank and the routing number. We have come to find out that USAA does not protect its consumers against the fraud alerts issued by the Department of Treasury. We asked USAA to take some responsibility for us being out of {$2800.00} and were told that the depository agreement means we are responsible for all money deposited. We called USAA and we thought that we asked all the right questions, but we were never told that the funds were released because we were good customers. I would have waited to see if the check cleared before withdrawing the money. In addition, because we did withdraw a large amount of cash we were never questions. These should have been all red flags to our banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XX/XX/XXXX6. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX GET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... 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 explanation
Consumer complaint received 09-03-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: The account is locked, i can't buy new bitcoins, ethereum, etc.
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Case ID: XXXX Updated: XX/XX/XXXX XXXX PDT Created: XX/XX/XXXX XXXX PDT
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XXXX XXXX.
XX/XX/XXXX XXXX
why are my buys disabled?
Coinbase Support
XX/XX/XXXX XXXX
Hello and thank you for contacting us.

Our records indicate that you may be writing in to us asking about a cancelled order or the inability to buy digital currency using our platform.

Cancellations and account restrictions are applied by our automated software, and sometimes in error. If your account or an order you placed has been negatively affected by this, we sincerely apologize.

We definitely want our good customers to be able to buy digital currency with us easily. If you feel that a cancelled order or account restriction was made in error, or you have another issue that needs to be addressed, please reply to this email letting us know.

Also, please take a moment to ensure that you have verified your ID with us. You can double-check this by navigating to https://www.coinbase.com/XXXX and checking to see if your ID document is on file with this. Please note that we may not be able to review your case until that document has been uploaded.

Thanks for your understanding as we continue to grow and improve our services.
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XXXX XXXX XX/XX/XXXX XXXX
I Think there is an error.
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XXXX XX/XX/XXXX XXXX, "Coinbase Support"  XXXX XXXX:
XXXX XXXX
XX/XX/XXXX XXXX
Hi, any news? buys are still disabled!!!

Too much time to solve a simple thing..i think i will move to another platform.
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XXXX XXXX XX/XX/XXXX XXXX
Hi, my buy are still disabled.
What can i do?
It's one month that i'm waiting for a reply and If i will not have it in
few days I think I will close my account.

Best Regards XXXX XXXX -------------------------------------------------------
XXXX XXXX XX/XX/XXXX XXXX
I've uploaded 2 documents but it says that only one is present but in the page there are two
------------------------------------------------------- XXXX XXXX
XX/XX/XXXX XXXX Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
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XXXX XXXX.
XX/XX/XXXX XXXX
Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
-------------------------------------------------------
XXXX XXXX
XX/XX/XXXX XXXX
document re-uploadedI've tried to contact them 
i'm still having this issue since months and no one from the support have fixed it..
I've tried to reupload my documents but nothing has changed.
I'm seriously thinking about closing my account because of the lack of support.
Will someone answer to my questions? thanks

Best regards,

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Three weeks ago I deposit  ed a check in branch. There was no immediate access to any of the funds ( not even {$100.00} ). The check was not deposited into my account until 7 days later.
No proper reason was given by Citibank.

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 10-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Approximately XX/XX/XXXX my son attended XXXX XXXX College. One of his loans which was a private loan through XXXX XXXX was in my name. Payments were automatically withdrawn from my account on a monthly basis. In XX/XX/XXXXI went online to check the balance of the loan and could n't sign on so I called XXXX XXXX and it was at that time I found out that my loan had been taken over by a company called Navient. I called and spoke to several representatives trying to get information about my loan but no one was able to help me. I asked to speak to a manager and was told that there was no manager, this was on XX/XX/XXXX I made five calls to Navient with negative results. I stopped the automatic payments thinking that if they did n't get my monthly payment that maybe they would call me, but I have n't heard from them and they have n't asked for any payments. I find that really strange however they ( Naivent )  were automatically deducting my money on a regular monthly basis and when I started asking about my balance they could n't or refused to give me information. I would like to know if Navient owes me any back pay or if I still owe on this student loan. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a credit report from XXXX XXXX 2016 where Transunion shows that there are XXXX inquiries on my credit report. Then, on XXXX XXXX, I pulled another credit report and Transunion has placed XXXX inquiries on my credit report. They claim it was a glitch, but when I called, the representatives lie and say my credit report was not affected, but I have the proof. I was hung up on by XXXX representatives who refused to transfer me to a manager, or anyone in the USA. 
The violated the Fair Credit Reporting Act, Section 611 ( B ) ii which states any deleted information ca n't be re-inserted unless they notify a consumer in writing within 5 business days. I was never notified. They just blatantly broke the law. 
These are the inquiries that were deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 08/25/2015 about Debt collection (Medical) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was put on file for XXXX services that I had not received and owe more than a XXXX for services I had not received or requested.

Company response to consumer: Closed with explanation