milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of 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 11/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with FIRST CITIZENS BANCSHARES, INC. (CA).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX we ( my wife and I ) opened a fixed rate second mortgage with First Citizens Bank for an amount of {$67000.00}. The terms were 4.74 % for 15 years. This account has always been in good standing. ( loan request summary attached ) On or about XX/XX/XXXX I called First Citizens Bank to acquire a HELOC for an amount of {$150000.00} for home improvements. On XX/XX/XXXX a representative from First Citizens informed me that they would approve us for {$75000.00} with an adjustable rate of prime minus 0.26 % for a period of 25 years. We accepted those terms and signed the HELOC loan documents on or about XX/XX/XXXX. The closing statement ( attached ) clearly showed that {$15000.00} was paid to me directly and there was {$60000.00} in undisbursed funds. 

When I contacted the First Citizens representative for instructions on how to receive the funds, she sent me a screen shot of her computer ( attached ) showing we already had a balance due on the HELOC of {$66000.00}. When I asked her how could that be, she said they paid off the original second loan balance of {$51000.00} with proceeds from the new HELOC. 

ON XX/XX/XXXX I sent the email below to First Citizens representative, XXXX XXXX ( XXXX ) XXXX Ext. XXXX Phone " You are going to have to show me something in writing, either from one of your emails, or the on the closing documents that shows that $ 51,000+ of funds from the new heloc were to be paid to First Citizens to pay off the existing 2nd. The Disbursement Request and Authorization form states that {$15000.00} is to me paid directly to me by lenders check ( where is that, I do not have it ) and there is {$60000.00} in undisbursed funds. 

There is nothing in the loan docs that shows funds were to be used to pay off the original loan. '' First Citizens Bank did NOT have our permission in written or verbal format to close our original loan from XX/XX/XXXX. At no time did First Citizens Bank verbally or in written format inform us that proceeds from the HELOC would be used to pay off the loan from XX/XX/XXXX We now have virtually no funds for our home improvement project, ( which was already started ) and the fixed rate, 15 year loan, that we were four years into converted to a 25 year loan with an adjustable rate. 

First Citizens has not worked in good faith to fix this issue. The best they have offered, verbally, is to write a new loan for {$120000.00} for 25 years at 6.04 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection agency company LVNV Funding LLC has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe {$350.00} to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company LVNV Funding. Do n't matter the original creditor have the same account number as the collection agency, XXXX account that XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under to different companies on my credit report which neither provided proof of documentations bearing my signature associate with the account number under my social security number. If no signed documentation bearing my signature stating that I owe {$350.00} then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it does n't prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report.A person or persons should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court in my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for {$5000.00} in damages 1 ) defamation 2 XXXX negligent enablement of identity fraud 3 ) violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit card () with BARCLAYS BANK DELAWARE (ME).
Issue: Identity theft / Fraud / Embezzlement

Complaint: We contracted with an auto transportation company to transport our vehicle from XXXX to XXXX. A contract was signed under false pretenses. The misrepresentation from the transport company resulted in us being charged {$740.00} by our credit card company. The transport company never transported our vehicle. We attempted to resolve this issue with Barclaycard, but they were unwilling to refund the amount. However I digress. XXXX XXXX XXXX lied to us, so we canceled the contract. The contract had a " non-refundable '' clause. This is what Barclaycard is using to withhold our refund. The contract was executed in XXXX. XXXX Statue section 817 Fraudulent misrepresentation stipulates : Under contract law, a plaintiff can recover against a defendant on the grounds of fraudulent misrepresentation if ( 1 ) a representation was made ; ( 2 ) that was false ; ( 3 ) that when made, the representation was known to be false or made recklessly without knowledge of its truth ; ( 4 ) that it was made with the intention that the plaintiff rely on it ; ( 5 ) that the plaintiff did rely on it ; and ( 6 ) that the plaintiff suffered damages as a result. 

The contract is null and void, however. Barclaycard is refusing to follow XXXX statues by allowing the merchant to bill for services they never provided. We chose to use another transportation company and contacted XXXX XXXX XXXX to cancel our request, which they did, but still charged us the entire amount it would have cost to transport the vehicle. 

In closing, we were charged {$740.00} for a service that was never rendered and Barclaycard has refused to refund our money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MN).
Issue: Trouble during payment process

Complaint: I lost my home to wrong doing foreclosure now want to submit a claim for settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 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: Account information incorrect

Complaint: OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through Experian was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning 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 06-05-2015 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX now and badly needing help. I have been a good customer with Vanderbilt Mortgage since XX/XX/XXXX. I paid off the XXXX home in full with them. Then the outlawed grey pipes burst and destroyed the home. They convinced me under duress to put up my land for a downpayment on a new home. In XX/XX/XXXX, I started making payments regularly on my new home. After a good number of years, they made an accounting error and did not pay my land taxes or insurance escrow for a year. They demanded that amount of around {$4000.00} be paid immediately by me. I did not have it. Finally, they let me slide on their mistake for a year, then demanded it again. I did not have it. So they FORCED me into an in house loan modification. They did not lower the interest rate. They barely lowered the monthly payment, made me sign a note that threw my mortgage into a full brand new 30 year loan! PLUS they added a {$20000.00} balloon note on the end. The over 8 years of payments I had made which was mostly interest, VANISHED!!!! Now I recently had to lower the amount of insurance I needed on this home, to an amount that is not nearly enough, in order to make the INCREASING payments they are charging me. I am almost XXXX years old and can no longer work. My income is vanishing. I would be XXXX years old if I lived to pay this piece of junk falling apart XXXX/VANDERBILT home off. I LOVE my land and do not ever want to have to move. I have lived here 18 years. I am TERRIFIED I will end up losing my home. They have XXXX me worse than I have ever been XXXX in my ENTIRE life!!! I look at the new statements and out of an approximately a {$1200.00}. payment, only {$87.00} is going to the principal. The woman named XXXX who did this to me, is no longer there after telling me she would be there for the rest of her life. Is she in jail? She should be. XXXX I desperately need help and so I called the XXXX XXXX and they told me to come here. Please I beg you to help me. The original loan should have been paid off in 15 years. How on earth is this possibly legal? It can not be legal. I have been preyed upon and they also told me that if I did a land home package, it would increase in value like a REAL house as it would be legally " attached '' to the land. Well, they did not put it on a concrete foundation, so no one will refinance me. There are so many scammers out there saying they are HARP but they are not. NO XXXX will refinance me because of the way they set this whole scam up. IT WAS THE WORST SCAM AND I SEE THAT I AM NOT ALONE. JUST XXXX VANDERBILT AND XXXX HOMES. PLEASE help me! I am more than desperate. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX constantly changed the amount they said I owed for my treatment with them in XXXX and early XXXX. However I paid it every time they gave me an amount, always thinking I was paid in full after insurance. At one point I was actually overpaid over {$100.00} because they were overcharging me. Then in XXXX XXXX, XXXX they sent me to collections for {$32.00} and {$7.00} for a total of {$40.00}, which they never sent me a bill for just sent me to collections. On XXXX XXXX, XXXX I paid and did n't argue with them, thinking I was paid in full six months after my XXXX ended. XXXX XXXX, XXXX they sent me a bill for {$180.00} and I called for a detailed statement. All I got was another statement with credit adjustments and now saying I owed {$36.00}. This time I went to XXXX XXXX to try and resolve the matter. There they said I owed {$3.00}, as I was going to pay this I decided to make them call the Accounting Department to explain the {$36.00} versus the {$3.00} because I wanted this paid in full, over and done with since I had not been there for treatment since XXXX XXXX. When Accounting forwarded the statement after waiting about an hour, it showed {$36.00}. I paid that instead of the {$3.00} and said I wanted something showing I am paid in full and do not owe them anything more. I received the attached detailed statement showing I paid them {$36.00} on XXXX XXXX, XXXX with a Patient Responsibility of XXXX. I do believe this was for one of the overcharges they they credited me at one time and reversed but I just wanted it done and paid it, it was clear they did n't know what they were doing. They assured me they would get everything taken care of with the credit reporting agencies because this was all their mistake in their Accounting Department with changing the amounts and not filling me in six and nine months after my XXXX was over, when I thought I was paid in full. I do not owe this {$32.00} on my credit report, another new amount, but from the XXXX XXXX date where they started the collection process and I immediately tried to take care of it. This should not be anywhere on my credit, nor should it ever have been. I was not aware they never fixed anything with the credit reporting agencies until I applied for my car loan in XXXX XXXX. And this says {$32.00}, It took me a while to find all the receipts and documentation, but I did and it is attached. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech mortgage has recently ( XX/XX/XXXX XXXX ) placed a " Charge Off '' on my and my wife 's credit report for an account we never had with them. They took over Greentree, who had taken over the account we had with XXXX XXXX XXXX back in XX/XX/XXXX which is when we filed for and went thru CH XXXX Bankruptcy. That account was in our Bankruptcy, which was issued a Final Decree on XX/XX/XXXX, which is over 1 1/2 years ago and prior to Ditech servicing of Greentree accounts ( which began 2 months ago ). Therefore, we never had an account with Ditech and they should not be reporting our account as a charge off with them. They simply have never had any claim on us as the account with Greentree was closed and covered under the bankruptcy 1 1/2 years before they took it over from Greentree. Please have them remove this immediately. 

I have made several calls to have them correct their errors, but like all other mortgage companies, they do n't return calls. 

Ditech ( XXXX ) XXXX MINNESOTA XXXX XXXX XXXX, XXXX XXXX, MN XXXX they claim charged off $ XXXX was with 1 ) XXXX # XXXX, then 2 ) Greentree XXXX XXXX and now suposedly 3 ) Ditech XXXX XXXX ( full account number not reported by Ditec ) Thank you for your assistance. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2016 about Debt collection (Credit card) with NELSON AND KENNARD (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: NELSON AND KENNARD ON BEHALF OF XXXX XXXX XXXX HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
XX/XX/XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED XXXX XXXX XXXX TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN XXXX XXXX XXXX CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XX/XX/XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF XXXX XXXX XXXX ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XX/XX/XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY NELSON AND KENNARD ( LETTERS ATTACHED ). NOW ON XX/XX/XXXX I WAS SERVED WITH THE SUPPENAT FROM NELSON AND KENNARD REPRESENTING XXXX XXXX XXXX FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT XXXX XXXX XXXX TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. NELSON AND KENNARD IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (UT).
Issue: Other transaction problem

Complaint: I had a stop-loss limit order on LTC-USD in XXXX which executed successfully : Order : XXXX Product : LTC-USD Trade : XXXX My USD account was never credited with the funds. Over a month later after calling support and nothing. Pretty straightforward, the phone rep understood exactly what was going on but couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: A deposit for the amount of {$2300.00} was sent to my account XXXX during the XXXX. That evening I wrote a check in the amount of {$300.00}. The following morning I received a NSF notice. It showed the {$300.00} had been paid, but the fee was charged because of " posting sequence '' I call and spoke with customer service and was told the fee would not be returned. While on the phone on the representative I noticed the {$300.00} was credit back to my account. I ask to speak with a supervisor and he stated that " they tried to pay the {$300.00}, but were unable to ''. So, now I really confused. I do not if BOA actions are illegal, but they are definitely unethical.

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 02/23/2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Trans Union need removed XXXX  XXXX XXXX docket # : number XXXX I never when through a chapter XXXX bankruptcy dismissed I want this removed off my credit report because it hurt my credit report history. And they post this twice on my credit -history on Trans Union this need to be removed I did file bankruptcy did not go through a bankruptcy chapter-XXXX this need to be removed off Trans Union .

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been the victim of identity theft. I now have been studying my credit reports from the various agencies ( Experian, XXXX, etc ) and one came up on my Experian report that needs to be removed. I no longer have, nor have ever had an account with them and it shows it to be open on my report. 

XXXX Acct # XXXX Date opened XX/XX/2014 Monthly payment {$25.00} I attempted to send them a letter with no avail. They aren't able to be reached by phone. This is a fraudulent account and they most likely need to go to jail

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 12-06-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: XX/XX/XXXX - refinanced car with XXXX XXXX XXXX. Called west lake financial and received 10 day payoff balance. 
Wrote check signed. and mailed off that day. 
XX/XX/XXXX- letter received from west lake financial thanking me for being a customer and states that they realesed of interest document to appropriate party. Stapled is original retail installment sale contract. Stamped paid. 
XXXX-received statement reporting total amount due. XXXX due date : XX/XX/XXXX Everything is great, credit, bank, west lake financial, until ... 
XXXX receive statement with payoff balance @ {$550.00}!! 
Called company multiple times and Received attitude from collections and customer service and refused to settle or come to an agreement. And demanded their money and all of it. I have disputed with another credit company and they ruled in my favor and reverted my credit score back to where it was before my issue with this company.

Company response to consumer: Closed with explanation