milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to resolve the issue with XXXX but they are not cooperating. I spoke with the collections and they show an amount but have no proof to accompany this non valid debt. My mother called on a product for my husband and I at a previous address. We decided to go with XXXX instead. XXXX sent us a wireless box which we never ordered and we immediately returned. We received bills on the product and called them, wrote letters disputing it but they did not remove it. This company is unethical and unprofessional and they can not show proof of anything other than saying it was disputed. I spoke with collections and they could not bring up any information and sent it back to billing. I am out of resources to remove this from my credit report as well as from my husbands.

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 02-12-2018 about Mortgage (FHA mortgage) with Selene Finance LP (NY).
Issue: Struggling to pay mortgage

Complaint: I am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help amicus curie before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and Selene Finance, are all involved in some manner in this fraud. XXXX and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by XXXX ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after XXXX fraudulently obtained standing and summary judgement. It appeared with the change of XXXX to Selene and was created for the sole purpose of backing XXXX 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to XXXX certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that XXXX and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not XXXX should allow the courts to prevent my home from being fraudulently foreclosed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax XXXX XXXX refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is reporting a bankruptcy that was discharged I sent them a dispute they stated they verified thru XXXX I have enclosed a letter from the clerk of court which they Do Not provide or verify bankruptcy Transunion violated the Fair Credit Act by providing me False information I want the bankruptcy deleted from my file

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 Bonneville Billing and Collections (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I paid the debt I owed to the collection agency on XX/XX/2016. I called to inform them that the debt had been paid through the actual place I had accrued the debt. The debt company then informed me that they were already taking me to court in an attempt to collect this debt that I have already paid off. They said that they would settle with me for {$400.00} to pay for the legal fees. I told them that I would not pay any legal fees because my debt with them has been paid off. 
I have not received any notice regarding them taking this debt to court other than them telling me over the phone after I had already paid the debt in full. 
I feel that this has been very wrongfully dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Checking account) with PNC Bank N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I signed up for the checking account promotion for the performance select checking where I should have received a bonus for meeting certain requirements within 60 days of opening the account. I was told by the branch person, XXXX XXXX, that if I direct deposit {$2500.00} I 'd get {$200.00} and if I did {$5000.00} I 'd get {$300.00}. Within the 60 days I direct deposited {$2500.00} but did not receive a bonus in my checking account, which is now six months old. Reading the fine print again, if I did n't deposit {$5000.00} in the product type that the person opened for me, then I get nothing. That is not at all how it was explained to me in person, which was completely misleading. They should have put me in the right product, not what is best for her or the bank 's stats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax hack leaked my SSN, date of birth, and address. The company had an unacceptable level of security and over 100 million people got XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (WA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: My account at coinbase.com is locked and I can not access it. They have thousands of dollars of my funds in their system that I can no longer access. I have contacted customer support for over a month now and gotten no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Auto) with Ronald B. Rich & Associates, PLC (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I owe a debt for a car repossession. I do not dispute the claim, however, I am human and I simply forgot to send a payment to the debt collector for XX/XX/2016. The debt collector sent me a reminder notice and at the bottom of the reminder notice, he, being XXXX XXXX hand wrote in blue ink " last chance ''. That verbiage made me feel like I was being threatened. I felt very uncomfortable with what was " hand written '' on the letter. I believe this is a violation of the FDCPA Guidelines : 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loans are more than what they are suppose to be, I have several different loans I do not recall signing for. XXXX was suppose to be XXXX fee and I see a number of loans from them.. XXXX was to be XXXX price and I see several from Iowa and XXXX that I did not sign for. My degree with XXXX is sometime over looked and not considered because of the campus closing, therefore they do not consider the online degree credible. I have no way of knowing what loans I am paying on because I have so many that I do not recall signing for.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NC).
Issue: Shopping for a loan or lease

Complaint: There is a hard inquiry on my credit report th at I did make

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Ocwen Loan Servicing LLC . Will not remove false information on my credit bureau. XXXX XX/XX/2013 they but that I was XXXX days late on my credit, I have never been even XXXX days late and I have proof where every month they are paid automatically out of my bank account. I have talked at great length with them and the agree it was a mistake but the still will not remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts I disputed. Being that they have past the 30 day mark and can not verifying these accounts under Section ( 611 ) 5A of the FCRA which they are required to " promptly delete all information in which can not be verified ''. That I have disputed. I spoke with them telephonically several times in which they repeat that its " verified '' and that 's all the information that they give me. Can you please resolve this matter as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: CCO Mortgage - Citizens Bank collections department has been calling me XXXX times a day for the last week. My account is up to date, and I have never been late on a payment since the loan originated. After talking to XXXX people, I found out that they implemented a new policy to call their customers if payment is not made by XX/XX/XXXX - even though the grace period to make a payment is until XX/XX/XXXX. Payments received after XX/XX/XXXX are considered late and will incur a late fee. There is no way to stop these phone calls unless I do a " cease and desist ' letter. My account is in good standing. They have no right to contact me over and over again for payment when I am well within my grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: US Magistrate XXXX has closed this Case. 

Yet, the Proprietor/Defendent is insistent upon A Contiuning Gross Charging in a Cases of Gross Fraud, Theft and Scamming.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I used to have a bank account with XXXX XXXX XXXX. That account was closed YEARS ago, like in XX/XX/XXXX. Recently, XX/XX/XXXX they decided to put some unknown balance on my credit and said the account was just closed, which is a lie. After doing some research I see that the bank is now called XXXX XXXX XXXX XXXX, so they are trying to fraudulently collect on year old accounts that was closed a long time ago under another credit union. They do not have proof of a written signature between me and this company. I have contacted each credit agency and they have failed to provide written signature proof me owning this account, at XXXX XXXX XXXX XXXX, and have refused to remove this clearly this false item from 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 10/25/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NJ).
Issue: Fraud or scam

Complaint: I am a customer of the prepaid visa rush card. I believe this was fraud. I have been locked out of my account for over two weeks, I have not had acces to my funds and I have bills to pay as well as a child to feed. Whenever I contact customer service I can not get through and when I do the rep hangs up on me. My balance for my card is very inaccurate. I had a balance of XXXX $ which is for my car payment and now the money is gone. I have no idea where it is and I can not access my money at an atm. If I could please get some help before I am without lights and a car I would really appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was a discrepancy in the family as to who was paying a Funeral Home bill in XX/XX/XXXX. After some deliberation, in XX/XX/XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by the either the Funeral Home or another entity, not ourselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This collection agency is reporting an alleged debt to XXXX XXXX XXXX to the credit bureaus, however the collection agency is not licensed to collect debts in NC. They are illegally attempting to collect a debt and I dont owe the balance they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (VA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: At a recent visit to Best Buy, store employees fraudulently tried to sign me up for Best Buy 's private-label credit card. I expressly told them that I did NOT want to apply for the credit card, but they repeatedly ignored me and attempted to sign me up for a credit card. 

On XXXX XXXX, 2017, or there about, I received a letter from Best Buy credit services informing me that my credit card application had been denied. I was shocked to learn that the Best Buy store employees had submitted an application in my name AFTER I stated that I did NOT want a credit card.

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 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XXXX XXXX, 2017, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was approved and was issued by Chase Bank. I contacted Chase and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case and a notarized Affidavit of Fraud.This was mailed on X/XX/17. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. I also faxed a request to the Chase Correspondence Team on XXXX/XXXX/17 and have not received the information. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I was in the middle of XXXX loan servicing awaiting decision for a loan modification and the loan was sold to Selene financial. The escrow payment increased over {$400.00} putting me into a greater default position. I have been trying to get out of this ARM loan for the past 12 yeears. Denied due process for a modification because I wanted only outside inspection of my home. Selene Finance sent Default letter before 120 days and started foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citibank closed my credit account without informing me the reason of the closure. Since I accrued a significant amount of cash rewards ( over {$10000.00} ) and they are suppose to be automatically redeemed annually, I was informed by their agent over the phone that all rewards accrued are forfeited without providing me an option to redeem 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 07/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX  dollars of  XXXX  dollar deposit held for 10 days. Account intentionally overdrafted on the bank 's processing day. I have not used my account since Friday and I wake up and I 'm overdrafted almost 100 dollars on Tuesday which is the day they do the processing. How can I be positive all weekend through Tuesday then suddenly I 'm overdrafted 80 something dollars and no use of my account. It 's impossible. They decided arbitrarily to hold 80 % of the deposit. The first agent lied to me and said the deposit was NSF and this was why they held the funds. I conference in my dad who made the   XXXX   dollar deposit from his account and then they denied that was what was said and the check was fine. The supervisor   XXXX   kept muting her phone and laughing. After she came on she denied the deposit was NSF. I have no idea which end is up or what 's going on. Is it NSF? Or they are holding   XXXX   dollars for 10 days because I 'm overdraft. I think they are taking advantage of the fact that I just filed for bankruptcy and they feel they can do whatever they want with my money because I have no options right now, and I 'm extremely poor as well so I ca n't protect myself. How can I live on less than 100 dollars for 10 days? Who could? Nobody. I do n't know what to do. Please help me! I 'm in a complete crisis and do n't know what to do. If I would have known this was going to happen I would have only deposited the exact correct amount and asked my dad for cash. This is wrong. I 've been completely scammed and tricked and taken advantage of. These crooks have stolen my money.

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 06-01-2015 about Debt collection (I do not know) with Collins & Hilton Asset Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called, left no voice messageUnknown Caller

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a had a negative posting on my credit report by a collection company named XXXX. I never received any letters from this company or other form of communication about having an unpaid debt.On XXXX XXXX XXXX I have disputed the information with all XXXX Credit Bureaus and all XXXX deleted this account from my credit file including Equifax. A few days ago I 've got a credit alert that I have a negative account on my XXXX credit file.I looked at my credit report and it was showing that I 'm 90 days late on a collection account with XXXX but I never had any letter from XXXX and I had no arrangement to pay an account I did n't know about.XXXX deleted the account promptly form my credit file, 2 days later I 've got an alert again that a negative posting was on my Equifax credit file.I looked on my credit report and the same collection agency using the name XXXX XXXX that does n't even exist has posted the same negative account this time without saying that I 'm late they just used a different name to have the same account placed on Equifax credit XXXX have disputed that account with Equifax and after 2 weeks they said the account previously deleted by Equifax was OK to be posted on my account.The original dispute case was XXXX and it is is where Equifax removed this account form my credit file, the new case XXXX is the dispute where they posted again in XXXX XXXX the account previously deleted and now being " accurate '' .I am trying to get a mortgage and worked hard to have my credit score up and I can not afford for a Credit Reporting Agency to play with my credit. Equifax did not verify this account correctly and had it posted under a name of a company that does not exist just to have a negative mark on my credit.I can not access the case # XXXX dispute file because it is visible for only 30 days but I will attach the recent case # XXXX dispute file that is recent. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation