milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed a collection items reported by XXXX XXXX. Transunion has continued to report it ; however, has not provided an evidence that the account is mine. They have changed removed it twice and then changed the around twice. I have even showed them where I wrote to XXXX XXXX and the letter was returned back to me saying it was a bad address. I have reported this account three times and the only thing that has changed has been the dollar amount but no documents on why nor copies of signatures from the collection agency.

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 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX have charged me for services I did not owe due to their computer software change in XXXX and XX/XX/XXXX. I have been unable to communicate with XXXX accounting during those months to rectify their mistakes in accounting. Their accounting representatives and supervisors were unable to help in anyway, and I received multiple different answers to my disputed charges. I finally contacted XXXX to resolve my dispute. XXXX resolved the dispute in late XX/XX/XXXX. I thought the matter was closed. In XX/XX/XXXX, I received a letter from Caine and Weiner Collection Agency demanding I pay {$1600.00} for the debt to XXXX. I have disputed with both XXXX and Caine and Weiner to no avail. I must dispute directly with XXXX accounting. I have tried to do contact XXXX on XXXX XXXX, XXXX and XXXX, XXXX. I continually am directed to automatic answering telling me to leave my telephone number and account number and they will return my call within four hours. I do not receive return calls from XXXX. How can receive proof I owe or provide documentation I do not owe XXXX this debt if they will not communicate with me. This has now affected my credit score. I believe fraud is occurring when XXXX computer system was changing during the time their services were concluded with me. The charges are erroneous. Y

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (I do not know) with Investigative Concepts, Inc. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have received multipile robo calls from multiple numbers all correlated to a return number of XXXX. The number that shows up on caller id ranges all of the known us area codes. Same message, my name is an illicit person of interest, they are verfying my address and employer that day. Does not identify themselves in any way. Return calls to that number are greeted by a robo answering system, and a rude individual when one refuses to provide personal information without clarification as to what the intent of the caller is.

Company response to consumer: Untimely response
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX XXXX other than personal XXXX XXXX   XX/XX/XXXX XXXX other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.

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 07-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been asking my mortgage company GREENTREE LENDING for a loan modification several times and they deny me for no reason at all. They never give me the chance to fill out the application. They just say that they ca n't give me a modification. My payments are over XXXX a month. This is causing great stress. This is a XXXX account. I never wanted my mortgage with GREENTREE LENDING. However it was transferred right under my nose

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called Equifax on several occasions since XXXX and disputed items over the phone. To no avail. they continue to report inaccurate information on XXXX, re-aged accounts. Accounts that I have no knowledge of the debt. Debt aging back to 2009. I have sent them a certified letter in re-gards to the inaccurate reporting. They have damaged my credit rating and I have been unable to obtain a mortgage or new credit. This has cause me distress. They have lowered my credit score to XXXX when I have XXXX open accounts in good standing for almost a year. They refuse to acknowledge this and report a better credit score. They have really hindered me. I have tried unsuccessfully to get results from them. My next step is legal action. So I am reporting my claim to you as well and will disclose my final attempt for them to correct the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: When I first file complaint against TransUnion about information regarding my credit report. My FICO score was about XXXX with reporting to XXXX XXXX company. After a period of time information was deleted from my credit report but my rating went down somewhat. TU ( XXXX ) FICO On the complaint filed with Consumer Financial Protection Bureau case # XXXX section Desire Resolution I stated that " I want information removed from their credit reporting companies and XXXX points put back on my credit report with good standing. TransUnion did response and delet the information but the FICO SCORE was still to low.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
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: The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name SYNCB/ROOMS TO GO Status Paid, Closed.   Date open ed  XX/2014  Deta ils Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.

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 03/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I enrolled in a XXXX College course in 2007. My tuition amount was increased after classes had already started. Albeit I was told beforehand that it would n't happen. Several years after graduating and life experiences, I went through a hardship that rendered me homeless for a few years. As I 'm writing this, I am just recovering. Explaining this ordeal to a service rep seems to fall on very deaf ears. I was always offered a forebearance, never offered a solution that made sense, was suitable to my situation and that would help me be in good standing to allieviate the loan. Not a very pleasurable experience whatsoever. I am a XXXX, married man and father to a child under XXXX yrs of age. My desire is to improve and create a better quality life for my family. Thank you for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I get a call every day at approximately XXXX am on my work cell. I have to answer all calls on this phone. I informed them that they were contacting me at work and I demanded that they contact me only in writing by sending me a letter. The man on the phone became irritated and told me that the phone calls would not stop. I told him, that I am aware of my rights, I am clearly telling you to cease and desist all communication at work that I can not receive calls on my work phone. He told me again that he ca n't make the calls stop and they will continue, even if he sends me a letter. 

I received another call this morning from the exact same number. This is every day, multiple times a day at the exact same times.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have an offer on my home that would be a short sale. CitiMortgage is the XXXX lien holder and XXXX XXXX is the XXXX lien holder. CitiMortgage will accept {$470000.00} ( balance is approx. {$520000.00} ) and XXXX wants {$50000.00} ( balance is approx {$150000.00} ), This complaint is against CitiMortgage because they led us to believe that if we raised the {$50000.00} then the short sale could go through. We did raise {$24000.00} and was still working on it when CitiMortgage stated that any additional funds that we raised would have to go to CitiMortgage until the full loan balance was paid and THEN any additional funds could go to XXXX. Below is a Letter from CitiMortgage that specifically states that they would accept an offer of {$470.00} and the rest to help reach the {$50000.00} could then come from the buyer or seller. It does not state that the XXXX lien has to be paid in full! We have worked hard to come up with funds based on this statement from XXXX XXXX at CitiMortgage. Following is the letter that I copied and pasted from CitiMortgage to my realtor : Hello XXXX, We would still require an offer of at least $ XXXX regardless of HAFA or not. If HAFA is cancelled then we would allow 6 % to the XXXX lien and the rest to help reach the $ XXXX could then come from the buyers and/or sellers to satisfy the XXXX lien requirements. 

Sincerely, XXXX XXXXShort Sale/DIL NegotiationsXXXX XXXX *end of emailThere is no way we can pay CitiMortgage in full and then come up with {$50000.00} to XXXX XXXX . I am at my wits end as neither XXXX or CitiMortgage will help to resolve this issue and allow this short sale to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with JPMORGAN CHASE & CO. (ND).
Issue: Billing statement

Complaint: see attachment This is a complaint for assistance. Slate Chase improper posting payments. lnstructions were provided to post the XXXX for the XXXX due date. Now there appears on the statement a minimum payment due of XXXX which is incorrect ' Slate Chase have failed to response to email request and original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My original Home Equity Line of Credit was transferred to Ocwen from XXXX XXXX XXXX XXXX. 
The loan was paid in full on XXXX XXXX, 2014. 
Although many attempts have been made, and Ocwen promised to send me a satisfaction of mortgage, it has not happened to date. 
This has costs me many hours of time, effected my credit, prevented me from obtaining loans and is still shows up as a lien on my home.

Company response to consumer: Closed
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It all started when I paid off one of my old bills, which I did because it was a old utility bill from XXXX XXXX XXXX. I have XXXX XXXX XXXX now so I decided to pay it, even thou I did n't know it existed. We had moved from my old address which is noted on my evidence back in 2014 and I figured they would just keep my deposit for the balance which they did. I was n't aware of any residual balance until a few months ago, when it popped up on my Experian credit report. Eperian just reaged it to look like I new account.

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 01-05-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I paid my federal student loan off in full on XX/XX/XXXX with a payment of {$26000.00} to Nelnet. I watched my account each day to wait for it to clear. Apparently interest was still accumulating during the bank processing fee. On XX/XX/XXXX the charge had posted to my bank account but not my Nelnet account, so it looked like I had paid nothing, yet I was still accumulating interest! After I called them the interest went down from about {$20.00} to {$9.00}. They are charging me {$9.00} for interest on my loan I paid in full after the XX/XX/XXXX date. I took to XXXX and social media being very angered, because this is one shady practice, it 's unethical and it 's deliberate. If I submitted to pay my loan off on XX/XX/XXXX I should not being paying for interest on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I understand why they are doing it, you XXXX XXXX XXXX kids over for an extra $ XXXX- {$10.00} you can make a lot of extra money. But it 's unethical and wrong. It 's not about the money, it 's a matter of principle. Essentially I paid the XXXX loan off and they came back five days later asking for XXXX bucks, down to {$9.00} for the interest during bank processing time AFTER I paid the loan. Let 's see what your agency does, or if your are in with the corruption and greed. Believe me I will make the results of this known.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with WESTERN UNION COMPANY, THE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Paymap Inc, aka XXXX, and the CFPB reached an agreement XX/XX/XXXX ( AP File # XXXX ) and was to send a check to those involved with their company during the period XX/XX/XXXX and XX/XX/XXXX. I fell into that period & received a letter stating they had sent me a check that I never cashed. This supposed check was never sent. I called the # on the letter but got nowhere & was told to go to the website and email them. Did that but again another run around and jumping through hoops. Had to call # again to get a claim #, then back to the email routine ( this is not just a simple email here, you have many layers to go through just to send them an email ). Did all this XX/XX/XXXX as the notice said all claims for a new check to be sent must be requested by XX/XX/XXXX, 8 days after I received this letter. Did everything they asked me and have yet to see any check ( XX/XX/XXXX ). It appears the agreement was not honored by Paymap initially and they are doing everything they can to dissuade folks from trying to collect on monies they agreed to pay. The Redress Administrator in XXXX XXXX, IA has been sent a letter regarding all the problems I have encountered with this check re-issue. This matter needs to be moved up the line from just a consumer complaint to a full-blown court decision that will force they to comply with the agreement reached and make restitution to those affected. I would also like to see copies of all the checks that were supposedly sent out along with addresses to verify they were ever sent in the first place. 

A copy of the agreement reached between Paymap Inc and the CFPB would be appreciated so we know what the settlement was and how it was to be administered.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I ordered XXXX a cryptocurrency from Coinbase and have not yet gotten my order. The order was placed on XX/XX/XXXX and was promised XX/XX/XXXXand I have yet to receive the order. These cryptocurrencies are highly volatile and can cause financial loss. I have reached out to the company multiple times and have not gotten a response. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've sent multiple request for removal of fraudulent information on report.
There 's   XXXX   items that are still reporting when they 're not.
<P/>
  XXXX   XXXX     XXXX   XXXX       XXXX   XXXX   I 've sent my identity theft affidavit and police reports multiple times as stated earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Using a debit or ATM card

Complaint: I had a checking and savings account with HSBC. I am in the XXXX and had direct deposit go into those accounts. While I was XXXX overseas for the XXXX, someone used my debit card and made many transactions in stores and online. Once I found out about this I notified my XXXX who told me to notify the bank about the fraud. I called HSBC bank and reported the transactions which totaled over {$3200.00} of my hard earned money gone. I waited for some type of credit to my account so I could pay my bills. Three days after HSBC stated they would not be able to approve the claim. They did not even bother to investigating it. I was devastated and in shock because I really worked hard to save that money. Not only did they not investigate but they also notified the branch manager of the location that i opened my account to close it once my funds were depleted because my account was a victim of unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with US Bank at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with US Bank until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MN).
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: My Gap account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXXwith them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact Gap today XXXX and was transferred to SyncB. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my Gap tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX  and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that GAP is providing them. SyncB is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.

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