milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Fidelity Information at XXXX XXXX XXXX XXXX, XXXX CA XXXX continues to report negative information to XXXX that I owe money to XXXX XXXX XXXX a property management company where I use to live. When I resided at this property I paid my lease up for a year in advance and when I moved out had no issues. I just recently went to apply for an apartment and was told I was denied because I had an eviction from this property. I keeping all my documents for seven years or more went back to old documents like my receipts for payment of rent and all of my move in documents disputed this debt. I also went to county records to see XXXX XXXX did in fact file a eviction process because I lived out my lease and had no idea that an eviction was filed. I found that an eviction process happened but was later volunteer dismissed by XXXX XXXX. I printed out this information and disputed the fact that I was never notified that a eviction had taken place one and two that I owed this property management company any money. And why would I I lived out my lease and paid my rent for the year in advance. This company Fidelity Information continues to calm that I owe XXXX XXXX XXXX money but can not provide me any documents supporting there calm. I sent a certified letter disputing there calm and asking them to stop sending negative reports and calms to the credit bureaus to there company XXXX XXXX in XX/XX/XXXX and again in XX/XX/XXXX. And they keep saying that they never received the documents I sent but it shows by mail that it was delivered to this company. I have also asked for them to send me a copy of there documents with this so call calm. If I owed XXXX XXXX XXXX any money they did not notify me at any time after I moved out and then the eviction they filed which I still to this day do n't know why, would not have voluntarily dismissed the complaint for eviction. This company Fidelity Information have questionable practices and should be investigated. Also I looked up this debt ( if there was a debt ), and this is a Time Barred Debt and the statue in my state is 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Consumer Loan (Installment loan) with GVA Holdings, LLC (OK).
Issue: Managing the loan or lease

Complaint: I took a {$500.00} loan out with Northcash in XXXX 2015. I originally set up payments that would take longer to payoff but decided that I wanted to change to the shorter term. When I called them approximately 2 weeks later to change it, I was told I could not change it therefore I have already paid {$1900.00} on a {$500.00} loan. They take {$130.00} every 2 weeks. I want them to close my acct and consider it paid in full since I tried to have my terms shortened and they refused ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (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: Ocwen recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with XXXX. Even though XXXX has and was provided documents from themselves in the past they simply send back a letter saying Ocwen states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The XXXX agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with OCWEN and XXXX. XXXX needs to fix its dispute system and OCWEN needs to be held liable for the abuse of its reporting

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I purchased a stove from Conns. In XX/XX/XXXX my wife and I went back to purchase furniture for our living room we were told by XXXX the sales rep that in XX/XX/XXXX we could come back in and purchase a small dollar item and that he would allow us to combine the accounts. On XXXX the XXXX we returned to the store and purchased an item to combine the accounts. I started getting calls saying it had not been combined. I paid another payment to combine the accounts and started getting calls again. I returned the store and talked to the manager on XX/XX/XXXX who told me another mistake had been made and he gave me paperwork that said I did n't have a payment until XX/XX/XXXX. Since then I have been consatantly hararassed by telephone callas at my home, cell, text, and email repeatedly saying I still owe a payment that 's not due. It has gotten to the point where they have even called my wife who is not on the account. It is rediculous trying to talk to them because they want me to have their own store manager call them instead of resolving the issue for the customer. I have faxed them cease and desist calls other than to my home and the documents have been ignored and the calls continue. I feel violated and attacked by this company for something that 's not my fault. On all three occasions they gave me paperwork but continued the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXCreditor : XXXX XXXX XXXX, XXXX. 
XXXX Account : XXXX Creditor : XXXXDear CFPB : The credit card I once had with XXXX Bank was closed after 10 years. The account was in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX

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 02/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower inherited property from mother who 's mortgage is in active foreclosure. Borrower submitted a facially complete loss mit on XXXX/XXXX/XXXX but has not been notified of any action taken. The bank 's Motion for Summary Final Judgment on the foreclosure is scheduled for XXXX/XXXX/XXXX. Borrower has filed an opposition thereto.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Closing/Cancelling account

Complaint: I received my American Express Business card and I called and had my card activated tried to make a purchase via the telephone and was advised that my card was not valid, I called American Express rep and asked if they could verify that my card was active and the customer service agent stated she did various charge test to see what the card limit was, as I was seeking {$45000.00} to do a business purchase. The customer service rep stated she could not help and suggested that I could do a wire from my business account to my American Express Card and then pay for the transaction in that manner. I swiped my card to conduct the business transaction to purchase inventory from my XXXX to put into XXXX and I was told what I did was illegal and they had to cancel both my personal and business cards. I explained to the supervisor and my account rep XXXX, when the transaction did not go through I proceeded to do a test transaction for a lesser amount to see if that was the issue and because I did a test of a lesser amount I am being penalized. As advised from the supervisor that this will report on my credit report as " cancelled '' and she stated that would be a negative rating on my file. I explained to the supervisor that I have worked extremely hard to maintain my credit and any negative marking would damage me doing business and personally. I requested to direct me to the credit card agreement, where it says that I have broken the rules for this card and she said, unfortunately for me because I did perform a test on my card after I tried to do a purchase I was not suppose to do a test at all. They provided no disclosures in the credit card agreement about doing test transactions. I explained it was used in a business merchant account, she said they thought I could be trying to stick {$45000.00} in my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have settled my debt with these companies and they are still listed on my credit report. Some are as old as XXXX. I owe no money and am trying so hard to repair my credit. I have XXXX credit card and a car payment now but my history still haunts me. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has fraudulent accounts on my credit report and they are refusing to remove it. They are also claiming they never received my identity theft report, but I uploaded it to their website on two different occasions. The most recent was on XX/XX/2016. 

The fraudulent accounts are XXXX XXXX XXXX and XXXX XXXX. I have never done business with any of these companies. I am infuriated with the credit bureaus for trying to hold me accountable for these a fraudulent accounts.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.

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 07-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for credit at XXXX and was denied, which was crazy, because my credit score should have been around XXXX. They told me it was because I had XXXX accounts reported for collections. XXXX had XXXX bad accounts reported from XXXX different debt collection companies lying about who I was. These accounts belonged to a woman with my name who lives in XXXX. But, XXXX was not alone. The fact that the TRANSUnion credit reporting agency accepts information about a woman with a different social security number living in a different state and puts it on my account is outrageous. They should be able to be sued for this, but of course, they have probably written laws that prevent that. It was clearly observable that I was living in XXXX during the years they tried to put the bills on me and that I was not that person. This situation ruined our family 's life at a critical time of unemployment and need, and they should be made to pay for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, I ordered XXXX LTC ( Litecoin, Price per coin : {$150.00} ) via my linked bank account to coinbase Inc. for {$1700.00} USD, and XXXX ETH ( Ethereum, Price per coin : {$470.00} ) via this same payment method for {$2000.00} USD. On XX/XX/XXXX, I ordered XXXXXXXX ETH ( Ethereum, Price per coin : {$460.00} ) via same payment method for {$1200.00} USD. The money for these cryptocurrencies was withdrawn from my bank account on XX/XX/XXXX. Usually, the coins take 7 days to be deposited to my coinbase account. However, the three orders were canceled consecutively by Coinbase Inc a day before the scheduled delivery. I tried calling the customer service line in more than five different occasions, and there was no positive response from them, I have also sent couple of emails and created complain tickets, all to no avail. 
They have not delivered my coins, and they are still holding the money I paid for these coins. 
Since then, the prices of these coins have risen to : Litecoin, Price per coin : {$360.00} ; and Ethereum, Price per coin : {$840.00} as at the time of this complaint. 
Also, my account has been temporarily suspended from buying anything on Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I am a loyal CitiGold customer of 15years. The service level at this branch is beyond low. I have been waiting for an hour to send out a wire. There are still XXXX people ahead of me. This will take another hour at the rate they are processing things here. They are slow and understaffed. The CitiGold customers do not get any expedited service. Whenever I am here, it takes a long time to get anything done. Today is not an exception, but XXXX hours of wait time are beyond my level of patience!! I am terribly disappointed and will be looking for alternative banking institutions to transfer my assets.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Struggling to pay mortgage

Complaint: This is in response to  XXXX  that I filed and  NFCU  responded. There was a second part that was not addressed, even with a follow up email.     Because of my financial situation my house nearly went to foreclosure a second time. I called to bring payments current a few days it was scheduled to go to the foreclosure attorneys. I was told I had to repay the arrears AND the fees to the attorneys for the foreclosure. I asked why I would need to pay attorney fees for it going to foreclosure when I was making payments prior to it going. I was told I had to pay the attorney fees because my mortgage met the criteria and had already been voted on to go to foreclosure. I could not make a payment for any amount unless I paid for attorney fees. I am not sure of the exact time frame this occurred. I know there was a huge storm on the   east   coast and my call was sent to a person in Florida to handle because no one was able to get to work where they normally take care of mortgage collections.     Honestly, I do n't expec t NFCU to handle this request any different than the other complaints I have submitted to the various organizations. NFCU has proven time and time again they are incapable of policing themselves and doing the right thing. It really is pathetic that NFCU  treats veterans the way they do, serious lack of integrity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Trouble during payment process

Complaint: I just got a loan modification effective XXXX XXXX, 2017 and by XXXX Nationstar claimed I was in default. Charged unnecessary and excessive legal fees, property inspection fees ; stacked late charges and fees every month and would not accept proper payments ; Kept perpetuating to make me go 90 days delinquent so they could accelerate balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have been a customer of Citizens Bank, ( branch office in XXXX, Ct, ) for several years. Since inception, I have had ongoing issues concerning late fees with all three of my accounts ( account numbers listed below ). I make payments electronically via XXXX  XXXX XXXX and arrange for payments to be made on the scheduled due date. The checks are delivered per XXXX XXXX XXXX but invariably are not posted to the respective accounts for up to 5 to 7 days later. After many conversations and requests to have fees waived which have been honored I was refused a request today when I have called to inquire once again as to why charges were assessed. It appears that the back office processing of payments consistently is late resulting in fees being charged. I have spent numerous hours and patience on calls etc. Since this not an issue with any other accounts that I pay through XXXX XXXX I have concluded that this issue is one which is done with the intent to defraud the customer. I would be curious to see how much revenue is generated via late fee assessments and how many fees are assessed to the customer base. I have today made payments to close two credit card accounts and will arrange to close my Equity Line as soon as possible. 
Thanks for your assaistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) Account XXXX ( equity line ) Account # XXXX ( XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Credit line increase/decrease

Complaint: A couple of months ago I thought I paid my Macy 's card in full. Then a couple months later, I looked at my statement and it had several {$2.00} charges. Macy 's charged me interest on an account that was paid in full and because there was a balance, an automatic {$2.00} charge was given. It was something new they had just started and as a courtesy, removed all of the charges off my account and reported to the credit bureau that I was in fact not late on any credit card payments. Things took a different turn when Macy 's ( credit services ) reduced my credit limited from approximately {$3000.00} to a mere {$100.00}. I have been a card holder with Macy 's for 10 years, it was my first ever credit card. I had never been late. The reduction in credit limit caused my credit score to go down XXXX points!! I am attempting to purchase a home and because of Macy 's credit, I could be negatively impacted in my rate. I spoke with someone at Macy 's credit and they refused to increase my limit and even spoke to someone in management.

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