milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: For several days this week (XXXX XXXX, 2018), I've been trying to lift a freeze I placed on my credit with Transunion last year during the XXXX security breach. Trying to speak to a live person resulted in five dropped calls (on overseas lines). I have forgotten my pin and Transunion provides no on-line avenue for retrieving a lost pin. What they do is ask for a letter including all types of personal information that include a current address, However, the reason I need my credit freeze lifted is that I've relocated and am unable to get a car insurance quote because of the freeze, so I can get the insurance I need to get a new license and registration in the state to which I've moved, which will evidence my current address. I finally spoke to an overseas rep who said the company was snail mailing my pin to me. I have no way of knowing if this is true. I was able to ascertain from an XXXX  rep that they had placed no security freeze on my credit, and XXXX provided me with a way to retrieve my pin and lift my freeze with them. There's absolutely no reason why I shouldn't be able to retrieve a forgotten pin on line with all of the private personal information this company requires just to speak with you. What I initiated as a way to protect myself is now impeding my ability to establish myself personally and professionally in another part of the country. Bottom Line: Individuals should be able to retrieve their own PINs and lift a security freeze without the communication contortion I have experiences.

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 07/29/2016 about Credit reporting () with CL HOLDINGS LLC (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have called the company Jefferson Capital Systems and when I spoke to them on XXXX/XXXX/XXXX I spoke to XXXX women. I asked the first woman if the reporting could be deleted from my credit report and she advised me that it is the policy of Jefferson Capital Systems LLC to not delete their reporting for any consumer. I asked to speak to someone more senior and the representative told me she is XXXX. I was transferred to a second lady, whom was identified as a supervisor, and I asked if they could remove their reporting due to extenuating circumstances. The supervisor even specified that a " homeless mother of XXXX '' could not have the reporting from this company deleted on her report. I consider their reporting to be harmful to me. It is difficult to get a representative from this company. Often when I call, I will receive an automatic message after holding saying, " Sorry, at this time we can not accept your call. Please try again later. '' This company did not offer or allow me to dispute their reporting and denied my requests to delete their reporting. 
I paid an outstanding bill XX/XX/XXXX to Jefferson Capital Systems LLC to pay a debt being collected for the original owner of the debt XXXX XXXX from XX/XX/XXXX. The matter is closed and was reported paid to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Through the HSBC Bankruptcy Department I have been making mortgage payments since XXXX. I received a letter dated XXXX XXXX, XXXX from HSBC that the Life Insurance coverage for my mortgage has been terminated due to Past Due Insurance premium remittance. The optional life insurance premium is a part of my mortgage payment that I make monthly so how is this premium past due? I have been contacting them since XXXX XXXX to get some sort of resolve through the HFC Research department. They have sent to me useless and outdated information in the form of a history of my account, and in no way addressed this matter. I have no other recourse but to involve this agency to assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Payday loan debt) with D2 Management LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: COLLECTOR KEPT CALING ME FOR XXXX XXXX XXXX AND IS COLLECTING ZOMBIE DEBT THATWAS SOLD TO XXXX XXXX XXXX AFTER THE SOL EXPIRED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Managing the loan or lease

Complaint: I took a loan out for {$3600.00}. 
My bank deposited the check in another 's persons account. 
Once they corrected the problem I had lost out for the reason I needed the money for ... So I repayed the {$3600.00} before the first due date ... Now the institution I borrowed the money from says I owe them {$340.00} by XXXX ... that 's only 7 days they have me to pay the {$340.00} when I just payed {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We paid off our Citizens Bank home equity loan in XX/XX/XXXX. We paid off our Citizens Bank HELOC in XX/XX/XXXX. Citizens Bank never sent us discharge notices. Citizens Bank never sent us the original notes stamped PAID. Citizens bank never recorded the discharges with the registry of deeds. Now, we are trying to refinance our current HELOC ( which is held by a different bank ), and we are blocked from doing so because the discharges for the previous loans were not recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacted me at my work place on XXXX/XXXX/2015 at XXXX and I told them that I could n't speak due to me being at work and that I would contact them when I was XXXX to speak on the phone. I get a phone call from my brother at XXXX am telling me that he just got off the phone with the debt collelctor and that they disclosed who they where, what compant they work for, and that they where looking for me to try and collect on a debt that is owed and by what company the debt was for. They asked if he knew of away to contact me and that if he could pass a message along to me as well. I called them back at XXXX am asking why they disclosed confidental information to my brother and why did they contact me at my place of work. They told me that since they are collecting a debt that they can contact whoever they need to. I asked them to please not contact me at my place of work anymore becasue my manager has a problem with it and I got written up at my job because of there call. She told me that it was n't her problem and would n't explain to me where in the FDCPA that it says thats acceptable. She got very rude and nasty started to shout at me before hanging up in my face. Before she hung up on me she told me that collection methods would pressme the way that they have been doiong them and that if I did n't call them back by XXXX eastern time today that they where going to send my file to my local state office for writing a bad check.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 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: Account information incorrect

Complaint: XXXX, XXXX and Experian are reporting misinformation On my credit report. XXXX XXXX should show a XXXX balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX  balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (SC).
Issue: Managing the loan or lease

Complaint: My girlfriend paid off a personal loan at Wells Fargo I had. The next month I got a statement in the mail from them with reversed charges and reversed payments which then left a balance on the account that should have closed when she paid it off. That was in XXXX. I just got another statement with a balance of {$460.00}. I tried to get it resolved when the account was paid off, but was told I just need to pay it or it will go on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (I do not know) with EQUIFAX, INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a collection opened on XX/XX/2016 fro XXXX dollars. 
I have no idea what that is ... .... but I do not want to be affected by that. 
I always pay my bills on time

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My exhusband has XXXX tax leins on his credit. Because we were married from XX/XX/XXXX to XX/XX/XXXX ... hisbtax leins show up on my credit report as negative impact. He just paid them off this summer and i have sent all the information to the ihio attourny general office. The lwins hve been released..but still show on my credit report. Is there any way to remove the negative information from my credit because the debt was kot my own debt ... but my exhusband local tax debt? Thank you. XXXX XXXX ph # XXXX XXXX XXXX. Address # XXXX XXXX XXXX. XXXX ohio XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home XX/XX/XXXX and never was behind in my mortgage. Unfortunately I became involved in a predatory loan with XXXX XXXX, loss my job XXXX XXXX and then Hurricane XXXX hit. I had XXXX feet of water in my first level. My flood and homeowners insurance paid me but Indy Mac would not release the money. I stopped paying my mortgage and fixed my house. I began filling out loan modification papers for years, then they sold my loan to OCWIN ( XXXX # XXXX ). Again kept filling out loan modifications only to be told the lender does not due loan modifications. I 've hired a lawyer who tells me there is nothing we can do and they are foreclosing on my home. I 've worked XXXX jobs my whole life for this house and its being taken from me. Please help me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Other type of mortgage) with Select Financial Services, Inc. (LA).
Issue: Struggling to pay mortgage

Complaint: In XXXX Id fallen behind on my mortgage and was working on a modification with XXXX XXXX  that was taking forever.XX/XX/XXXX  there was a huge flood in XXXX XXXX that took at least 65 thousand homes including mine with 4ft. of water taking everything I owned except clothes on my back and truck I left in. 
Still going through modification, gutting house, finding new place to stay and get life back on track - not easy after all this. 
XXXX XXXX insurance finally payed for damages but because house is in modification the mortgage co. will not release the funds to repair the house. XXXX XXXX Changed its name to XXXX XXXX and sold my loan to XXXX XXXX and the modification process had to start all over. Going back n forth with paper work the loan went back into foreclosure status. On XXXX XXXX I received a letter asking for more paperwork and on XXXX XXXX house was sold in Sheriffs sale with no knowledge by me. Getting home on XXXX XXXX finding a letter on my door stating home was sold and I need to vacate in property ASAP. 
Talking to the flip company that bought the house in sheriffs sale informed me I should be intitaled to the insurance money sense the mortgage co. and I have no more ties with property. Ive contacted XXXX XXXX   about this and I get hung up on, told dont know what your talking bout or just given me the runaround between departments. 
Should the insurance money be available to me because of the situation? 
Please help!!!!

Company response to consumer: Untimely response
Consumer complaint received 07/23/2015 about Debt collection (Medical) with JOSEPH R. HARRISON CO. LPA (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The Joseph R. Harrison Company emphasizes that they are attorneys and will take legal action, frightening me, since I would have to make difficult choices such as not paying my rent and/or utility bills, then facing eviction and/or disconnection of electricity and gas to my home. 
I have contacted XXXX XXXX XXXX several times seeking financial assistance, and they have not responded to my applications. 
The first collection claiming that I owe {$1800.00} would have beenpaid by my health insurance at that time, XXXX XXXX. 
The collection letter for {$280.00} I have no idea what that charge is for. 
I am XXXX years old, have a documented XXXX, and I am a XXXX individual ; and currently I have no health insurance coverage at all ; because I can not afford coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (NE).
Issue: Closing/Cancelling account

Complaint: I opened a joint-owner credit card with the Pentagon Federal Credit Union in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} XXXX XXXX in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and XXXX and PenFed came back with both credit limit as correct and the account is still open. When I called PenFed, they agreed the card was closed but refused to correct their mistake.

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 07/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: We paid our Mortgage in full in XXXX of XXXX. 
I sued this crminal entity in XXXX for fraud. In discovery Ocwen admitted All payment made in 13 years were never paid to a XXXX. Unfortuately NH allows such fraud to continue because homeowners can not challenge the fact that the loans are never placed in the trust allowing servicer to pocket the money owed to the trust. I filed suit because Ocwen filed XXXX different lien releases with the registry. Ocwen release, sand canyon, and XXXX XXXX? Interestly enough the lien is released by from a trust that was never paid a dime. 

After the case was dismissed by the court in an effort to further damage my credit Ocwen in XXXX of XXXX falsely began reporting to XXXX, XXXX and XXXX that I had aquired a new mortgage serviced by Ocwen in the amount of {$60000.00}. It is listed as a home mortgage joint account interestingly enough the account only appears on my credit report. I found this out after i had aquired a new car the net effect of the current fraud is a high interest rate, higher downpayment and higher life of loan cost and lower credit score. I was recently denied a loan because i owe to much on a mortgage that does not exist. 
I will be filing a new lawsuit at least now i can challenge this criminal entititys frauds. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX 2016 I was sent a permanent loan modification agreement from Nationstar mortgage. I signed and sent back these papers on XXXX XXXX, 2016 via certified mail back to Nationstar Mortgage. I made numerous payments, both the trial payments and afterwards. In XXXX they returned my payment and threw me off the loan modification because they say they never received the paperwork. This is incorrect. The paperwork was sent certified mail back to them. I am not going to start over again, because I have made the trial payments, I will lose my interest rate. I want my modification honored. It is their fault that somebody lost the paperwork, NOT MINE. I sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I disputed these addresses online and I have not heard anything from Equifax at all. I have faxed in information over and over again. And still they refuse to delete these addresses that are not mine. I only have been at XXXX XXXX XXXX XXXX, XXXX GA XXXX. The other addresses need to be deleted ASAP. Never have been affiliated with them. My drivers license is attached XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Delete this Employment GA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: My account was frozen on XXXX XXXX,2017. Paypal Promised to release my funds at 180 days and they have not done so.Please release my {$420.00}, so I can withdraw. My case : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: Wells Fargo continues to allow credit/debit card purchases to go through, despite my opting out of overdraft protection. These were not automatic charges and no other debit hit my account aside from debit card charges. I have just paid XXXX in fees due to this. Also, my wife recently made a deposit at the drive up, and as she was, the bank teller, using the intercom, told her the account was overdrawn. My wife is not on my account. This was a violation of my privacy. Not to mention all others in line can hear as well.

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 monetary relief
Consumer complaint received 08-04-2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (IL).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle from XXXX XXXX XX/XX/XXXX, A XX/XX/XXXX Sonata. Regional Acceptance financed the vehicle for XXXX months at 16 percent interest. I have had the car for 4 years making monthly payments of XXXX. As of today XXXX payments have been made totaling XXXX dollars. Regional Acceptance says I still owe XXXX on the loan, which is not correct and impossible for a loan that is 48 months into the XXXX month term.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Before I file a lawsuit against Midland my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. Midland Credit Management Inc. has been harassing me since late last year on my credit reports XXXX. ( XXXX United States XXXX section XXXX ( XXXX ) ). I have been in contact with them multiple times sent certified letters to them as well XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference MCM account from your credit file. '' But no action was taken my credit report XXXX currently still shows MIDLAND FUNDINGAccount NumberXXXXAccount Type & gt ; Installment & gt ; Terms & gt ; 1 Month & gt ; Date OpenedXX/XX/XXXXAccount Status & gt ; Closed & gt ; Payment Status & gt ; Paid & gt ; Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. Midland violated XXXX XXXX XXXX ( XXXX ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Other transaction problem

Complaint: This problem is with Coinbase, LLC ( www.coinbase.com ) On  XXXX   XXXX ,  2017 i trie d to transfer  XXXX    XXXX    from my Vault on their system, the transaction was not working and was stuck in a " Approval needed status, so i cancelled the transaction and recieved a confirmation the transaction was cancelled, however the amount was still subtracted from my balance putting me into a negative balance situation.     I Immediatly opened a case with coinbase support and have asked for updates daily since then with absolutely NO response from them and the account is still in a negitive balance situation.     i Hereby request that the  XXXX  transaction be removed since it was cancelled and should not be showing on my account.

Company response to consumer: Closed with explanation