milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Had previously set up a payment plan with a withdrawal out of our joint checking account. A year later they claimed I still owed on the debt full amount. When I was contacted I was driving and told them numerous times I did not have the information in front of me. A month later, I received a notice from my bank stating they froze the joint bank account until the amount of {$260.00} was paid to close the debt. Then after waiting two weeks for them to unfreeze out XXXX account, I received a letter still stating we owed the full {$3400.00}. Also, this debt is from 2009. In their letter, it states that they can not sue me or persue me for the amount because of the age of the debt but can continue reporting it on our credit report. 
The debt has been paid. But they misled me on the phone saying I owed the entire amount and never told me it was only {$260.00} that was left. Also by freezing my bank account it caused us numerous hardship because we had bills scheduled to be paid automatically. 
Legally they were not allowed to collect the debt due to the age. 
Do n't get me wrong, I 'm glad we do n't owe them anything but I do n't believe they were allowed to do it the way they did.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: XXXX XXXX has reported a vehicle loan as charged off to the credit bureaus. Currently we are in the process of obtaining a mortgage and the underwriters require that we obtain a letter from XXXX XXXX regarding this loan that states the loan was charged off. We have contact XXXX XXXX several times to request this letter and they refuse to supply a letter. We were told they would not send a letter and that it would need to be obtained via the credit bureau. The credit bureau is simply reported the information provided to them by the original creditor, XXXX XXXX. The document must come from XXXX XXXX, however they have been rude, condescending and uncooperative. We were told at one time the letter would be faxed on Monday, XXXX XXXX, XXXX but this never happened. When contacted again, they would not say why it was not sent and refused to send one. Not only the purchase of our home is waiting on this letter, but the seller can not proceed with their purchase and the seller 's seller can not move forward to close on their home until this has been obtained. XXXX XXXX XXXX XXXX, XXXX XXXX stated they do not send letters several times. Then in her next statement she indicated that they had already sent a letter when the loan was written off. When asked to resend the letter she mentioned, she stated " we do n't resend letters. '' We have spoken to several representatives including XXXX, XXXX, XXXX, XXXX and XXXX to mention just a few. Our son called to try to get information and was given information about our account even though they claim they had no release. If the indeed had no release, they are breaking privacy laws by even acknowledging the existence of the account. Yet, we continue to be vilified because of a past credit issue/mistake that was outside of our control at the time. All we have asked is for a simple letter that states the account was charged off and the date it was charged off so we and several others may move forward with our home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA  Section 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

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 05/16/2017 about Debt collection (Other debt) with CASHCALL, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was notified in XX/XX/XXXX I owed a debt from a personal loan of XXXX dollars. I made payment arrangements to the company of XXXX a month which was XXXX XXXX XXXX a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through XXXX XXXX in XX/XX/XXXX and they were confirmed through XXXX XXXX XXXX XXXX  I owed XXXX and my payment would be XXXX towards the law firm every month. I recently wanted to know my balance as of today with XXXX XXXX which they told me was XXXX left to this company. I call the company direct and they are telling me I owe XXXX dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the XXXX in full and not deal with this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am a victim of identity theft. Trans Union willfully violates the FCRA law. On XX/XX/2016, I submitted a dispute to Trans Union via certified mail to them send me verifiable proof of the original signed contact by me with my signature on it for proof of each account listed on my credit dispute as actually belonging to me as stated per FCRA section 609. Trans Union sent me of a copy of there completed investigation dated XX/XX/2016 saying the accounts on my credit were either verified or new information was provided without the support of any documentation of a physical verification of the original signed consumer contract by me to support the results of their investigation of each accounts listed on my credit dispute as belonging to me. My complaint is that Trans Union did not perform a " reasonable investigation '' because they did not send me any physical documentation that support them reporting debt or public record is in fact mine. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for there reporting services could fax, mail or email in a fraudulent account. These account must be deleted from credit file. I have been greatly affected and my score is suffering as a result.

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 12/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received a letter stating my application was declined due to " Credit History of Personal Guarantor ''.  The only phone numbers on the letter were for XXXX and XXXX. I called several phone numbers and finally got to someone on XX/XX/17 who could see my application. I talked to XXXX. XXXX just kept telling me I had to call the credit bureau. I asked him what the denial meant and he did not know. I asked for his supervisor and got XXXX. XXXX would not tell me any more. I asked if I could have a more detailed info mailed out. She said no one knows why. I asked I can call the credit bureau and look to see whats on my credit report but that does not help me tell why you rejected me, so could you send me a copy of your underwriting guidelines to help me figure it out. I was denied. She all but hung up on me. 

Trying to get a credit card for XXXX should not be this hard. I already have a credit card with Synchrony bank, so there should be no reason why I can not get this one.

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 05-09-2017 about Checking or savings account (Other banking product or service) with KEYCORP (CO).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: On XX/XX/XXXX I filled out paperwork with investment banker @ Key bank to open an annuity in the amount of {$5000.00}. I 'm attaching paperwork to substantiate. I have been receiving what I believed were annuity statements for years. In XX/XX/XXXX I decided to open another annuity @ Keybank. When I mentioned to investment banker that I already had one she told me I did not. She told me that for all these years I had a money market. I was in shock! I could not believe what she was telling me. She informed me first of all that you need a minimum of {$10000.00} to open an annuity. I was not told that. My issue is this. If {$5000.00} wasnt enough to open an annuity why was I not told up front. How can a banker open up a money market account in my name without my authorization.I have contacted headquarters in Ohio and requested paperwork to substantiate that I authorized anyone to open money market. They told me they had no paperwork showing that I ever authorized a money market account. I had money to open an annuity in another account if banker had just told me I would need {$5000.00} more to open account. Instead he took it upon his self to open an money market account without contacting me. Sounds a bit like what going on with XXXX XXXX. Needless to say I 'm very frustrated with Key Bank. I intend on closing my accounts at Key. I now have trust issues with banks.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: In XXXX XXXX, I went to the Equifax website after receiving my credit report electronically and noticed the extreme amount of inquiries on there. I had filed a dispute to remove them because I did not give authorization to run my credit nor are they associated with any active and opened accounts. Also, some of these inquiries had no creditor contact. I was informed that they will not be removed. The inquiries are as followed : XXXX XXXX-Inquiry :XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX XXXX -Inquiry : XX/XX/XXXX. XXXX XXXX- Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX-Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My credit report is displaying improper information that I have disputed several times for the past 2 years. I have consistently called and disputed the information for all XXXX credit burials. Not only is the information up 8 years old but its against the law. It has caused me financial hardships and I am currently still trying to find away to remove the information from my 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 04/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The only XXXX I have ever had in prosperity WV is XXXX There is another listed on my report that is not nor has it ever been mine. Also, there are numerous hard inquires that are not mine. XXXX is not mine as well as several others!

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 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i faxed information to this coimpany as well this account is a result of identity theft and is still being reported and collected on ... acct # begining with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 submitted a complaint to cfpb ( # XXXX ) inXX/XX/XXXX. It was corrected. Now, todate, I have the same problem re-existing on my credit report. I have sent letters to XX/XX/XXXX and to Equifax but had trouble disputing on line with Equifax. I have old statements showing the situation was fixed. Equifax confirmation number is XXXX showing that {$350.00}. from XXXX was satisfactory and that the account is " closed. '' Whereas, on my credit reports, they state that amount above was never paid and is open and is still in collections. This is wrong. XXXX Account No. XXXX - date opened:XX/XX/XXXX This has a XXXX  balance is a closed account. It is shown as a " derogatory mark '' on my credit.
Can you please help me rectify this again?
Thank you for any of your help.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: On XXXX XXXX 2017 I wire transferred {$12000.00} from my XXXX XXXX XXXX bank acct to coinbase inc. I have an account with them to buy/sell cryptocurrencies. they rejected my wire because of " account name mismatch, and your funds have been returned to your bank ''. .I have yet to receive any funds from them. this is going on 3 weeks later

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: I have been paying the mortgage since my mother died, on our house. and left the mortgage in my fathers name, out of respect to him, for at least XXXX years ... in XXXX I refinanced to help with my dads medical bills with XXXX ... the state raised our prop tax and my mortgage and escrow was " estimated '' at an insanely high rate and it put me in default ... to save my XXXX father from being thrown out of his home in his XX/XX/XXXX. he filed bankruptcy ... it was discharged in XXXX XXXX after he died ... .He had a living trust ... naming me as the executor of the estate, his power of attorney, and I am on the deed to the property. 
I was then in the process of finalizing the application papers for a PIR/modification when XXXX sold me or dueltracked me in XXXX XXXX to a company called SLS ... .who told me that they were a mortgage company that now owned my mortgage ( that was a lie ) ... and I was then forced to start all over again ... meanwhile they were adding fees, fines and lawyers fees onto my mortgage to the tune of and additional {$20000.00} and counting!!! 
I worked with all the Fed agencies with SLS but SLS kept asking for more docs ... Finally I hired a real estate attorney and together we have given SLS all the docs they would have received from XXXX but wanted more and more. In XXXX XXXX, I asked them for the name of their law firm when they informed me I was 'flagged for sheriffs sale, '' even though we were going thru the modification process ... .I then called their attorney ... XXXX., and spoke directly to their lawyer who verbally and with a letter, assured me my house would not go to sheriffs sale, while we were in the modification process ... they lied again ... In XXXX I got a notice in my mailbox from the XXXX Co sheriff , that my home was slated for auction on XXXX XXXX XXXX!! 
SLS has continually lied to me about who they are, and have done everything to block me from the modification process.. 
They along with XXXX have duel tracked my mortgage and also are in direct violation of XXXXPlease help me ... no American should have to b subjected to these blatant stalling tactics and violations. 
I am trusting that you will find them in violation with an appropriate lawsuit action and demand that SLS comply with the Federal guidelines that allow me a modification/pir that I am more than eligible for and meet the qualifications that they are blocking me from and piling on more fees, fines and lawyers fees. 
Thank youXXXX XXXX XXXX

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 Experian Information Solutions Inc. (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   XXXX   XXXX   XXXX   Status Paid, Closed.   Date  opened  XXXX /2014 Details P ayment 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 01/15/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax wo n't allow me access to dispute items in my file online, even though I 've given Equifax the documentation requested. After receiving both letters, I mailed the requested documents and I still do n't receive any assistance. 


Equifax also reinserted the XXXX XXXX Bank account into my credit file without informing me. This account had been previously deleted. Since Equifax did not inform me within 5 days that the information was being reinserted into my file Equifax is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX, I contacted via letter disputes EOS CCA and XXXX XXXX XXXX in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX and XXXX XXXX respectively. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past five years ) and I 've never had accounts or service through XXXX or XXXX XXXX. I 've spent the last five months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Both EOS CCA and XXXX have been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what EOS CCA and XXXX have done to me. Furthermore, after sending dispute letters to XXXX XXXX and XXXX XXXX, neither company has reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately and I want it to be known EOS CCA and XXXX are reporting inaccurate information on my credit report along with thousands of other Americans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (WI).
Issue: Managing the loan or lease

Complaint: I have been paying my loan to wells fargo home improvements projects on time or two days late I called and they said they would take off late fee and change my due date to the XXXX of each month because I only get paid twice a month. They told that would be fine but come to find out they are still charging me late fees for the late payment I did n't pay that they were suppose to take off and now today I 'm told the system cant take off the late fee and are charging me more than the normal amount of {$52.00} monthly I have called several times.

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