milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with American Express Centurian Bank first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing American Express, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the OC, American Express assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to American Express, either by insurance or the IRS & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights Consent to publish the description of what happened?

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Portfolio Recovery Associates is reporting a credit card account purchased from XXXX to the credit reporting agencies with a balance of {$5400.00} although this account was settled in full with a XXXX balance on XXXX/XXXX/XXXX. I have disputed this multiple times with this collector/debt buyer ( please see the attached letters and documentation provided with those letters ) and have even attached the Satisfaction of Judgment provided by the court, however, Portfolio continues to report this balance to both XXXX and XXXX. The fact that they report a XXXX balance to XXXX confirms that at least part of their records correctly reflect this settlement but obviously their records are still badly in error. 

I initially disputed this error with XXXX, XXXX and XXXX on XXXX/XXXX/XXXX. Since the account came back verified, I disputed directly with Portfolio on XXXX/XXXX/XXXX with a Validation demand under the FDCPA and FCRA, which, again received no response. I sent a XXXX validation demand on XXXX/XXXX/XXXX under the FDCPA, FCRA and FCBA and finally a third letter on XXXX/XXXX/XXXX directly to Portfolio, disputing under the FCRA, again with no response. 

Portfolio continues to ignore my legitimate requests under federal law and knowingly and arrogantly reports erroneous information to my credit report in violation of the FCRA. Further, per the FTC, the very act of reporting an account by a collector to a consumer reporting agency is a collection activity ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ). This, to my understanding represents a violation of the FDCPA by continuing to collect on an account that has been legally paid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I rented a storage and paid in full for the service. they sent me to collections when this was paid at time of service

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been going over my credit report, and have noticed that Equifax has been posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : -- XXXX XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX - XXXX XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX XXXX was given my report twice in one day ( in XXXX ) and again ( in XX/XX/XXXX ) was given my report three times within 5 days. XXXX XXXX vehemently denies requesting it this many times. The only financing I sought out ( and received ) was a direct result of the inquiries I DID authorize above. I believe there is a huge mistake. Equifax needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
Moreover, Equifax 's notorious " canned '' response of " Inquiries are a factual record of file access '' does not apply when they 're giving it out freely to other people. FCRA says their must be a permissible purpose - you can not give copies out just because someone asks Equifax and most DEFINITELY can not give out copies without my permission. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 5 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney, as will any ensuing responses from Equifax that detriment what I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar purchased my mortgage in 2015. In XXXX 2015 I requested a payoff. Per the XXXX loan payoff notice balance of {$23000.00}, this amount was PAID IN FULL well in advance of the XXXX/XXXX/2015 pay off date. Nevertheless, NationStar somehow claimed a {$370.00} balance due that I have repeatedly demanded NationStar to explain and provide a full accounting. All I have gotten in response is forms and inaccurate and false claims. The NationStar online " dashboard '' continues to erroneously reflect a " last payment of {$7900.00} was received on XXXX/XXXX/2015 '' and " Past due amount of {$1000.00} '' which I also requested be corrected to no avail. Now, I 'm getting billing saying {$2100.00} is 'past due ' on an unsubstantiated and disputed {$370.00} balance. Every assigned 'dedicated loan specialist ' I try to contact is never 'available ' and you get transferred to a 'new ' agent and need to start at step 1 and again explain the problem. NO ONE at NATIONSTAR will address the problem or provide the requested accountings. Now NATIONSTAR is dinging my credit rating by false reports to the credit bureaus ; I discovered the problem the hard way when I was denied credit because of a XXXX point drop in my rating to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: To whom it may concern : This is to let you know that TransUnion has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is XXXX to XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( TransUnion , XXXX & XXXX ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
TransUnion should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, TransUnion is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. TransUnion has failed to do so. TransUnion has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, TransUnion should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against TransUnion for FCRA violation and character defamation ( all of which have materially damaged my life including increased insurance charges and inability to secure a job ). 
I have attached a document that includes commentary directly from XXXX XXXX XXXX XXXX XXXX confirming that they have misrepresented the first date of delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Auto debt) with CU Recovery, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Collector has taken on a debt that is doubtful. The original lender, XXXX XXXX XXXX XXXX, only alleged the debt to me this week. I began to research the matter today ( a totaled vehicle that had GAP insurance - alleging additional debt ), and have already received a collection attempt from CU Recovery. 

It is very unethical for XXXX XXXX ( and CU Recovery as their agent ) to attempt these tactics without first allowing legally allowed time for verification of the debt. Additionally, CU Recovery is attempting to collect over {$500.00} more than XXXX XXXX alleged that I owed.

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 10-12-2017 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: I do not owe this company ANYTHING. I have tried to fix this several times, I need some help. XXXX XXXX # XXXX through XXXX 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 non-monetary relief
Consumer complaint received 08/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: I have an account with Coinbase.com where I have roughly {$50000.00} worth of cryptocurrency stored currently. I recently traveled to XXXX as a tourist and my account is locked as a result ( as of XX/XX/XXXX ). I can not get a response from Coinbase support to reactivate my account and restore access to my assets ; I have contacted the company approximately 15 times since my account was disabled, and provided all of the documentation they requested ( e.g., proof of residency in US, government ID, etc ). Coinbase has replied ( XX/XX/XXXX ) noting that they have escalated the issue, but I have heard nothing since, despite repeated follow-up attempts by me. I need reassurance that I will have access to my money restored immediately. Three weeks is an unacceptable amount of time to be waiting for a response on an issue that should straightforward to resolve. 

Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I are attempting to purchase a home that is set for auction XXXX XXXX. Both the seller and her attorney have made multiple attempts to get in contact with OCWEN to let them know the house IS UNDER CONTRACT and to request a foresclosure postponement so that we can close. What has been relayed to me is that her attorney has basically given up because he ca n't get in touch with anyone to discuss these issues. The homeowner is TRYING to sell her home to get out from COMPLETE financial ruin, but can not get in touch with her servicer to TRY to remedy the situation before auction. Come to find out yesterday that although we have a signed contract for a stated price, she has been billed/fined by OCWEN another {$4000.00} for what, I ca n't tell you. From reading other posts, it appears erroneous fees and charges are just tacked on.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have  XXXX   XXXX   XXXX  accounts reporting on my   XXXX   XXXX   and Equifax reports.  XXXX  ends in  XXXX  and the other ends in  XXXX . Over the past year, I have disputed the validity of these accounts multiple times. These disputes should be available in your database. Each time I 'd submit the dispute, I received some silly letter from  XXXX   XXXX  saying, " We received your dispute, but most of the time when we receive disputes, they 're either the result of an error or other mistake, so we are n't taking your dispute seriously. '' Finally in  XXXX   XXXX , I was able to get  XXXX   XXXX  to investigate the accounts.     FCRA states that when an account is in dispute, the lender  MAY NOT report the account as delinquent or demand that the  amount owed be paid until the lender completes its investigation into the matter. If the lender determines the balance owed to be legitimately owed, the lender must give the customer sufficient time -- usually 30 days -- to make payment on the amount owed. Even though I disputed these accounts countless times,  XXXX   XXXX  continued to report them as delinquent. When  XXXX   XXXX  received my dispute and actually paid attention to it, they still continued to report my accounts as delinquent despite the fact that the entire amount owed was in dispute. On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX ,  XXXX   XXXX , and 60 days delinquent in  XXXX   XXXX , 90 days delinquent in  XXXX   XXXX  and then 30 days delinquent in  XXXX   XXXX . On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX  -- again, the time of the dispute. These were the times I was disputing this account with  XXXX   XXXX . As soon as  XXXX   XXXX  informed me of the legitimacy of the account/charges, I promptly paid the account.     I have contacted  XXXX   XXXX  about this, explained that they were not to have reported my accounts as delinquent while they were in dispute, but they refuse to make the correction to my credit report. By refusing to correct this,  XXXX   XXXX  is violating the provisions of the FCRA. My final recourse is to ask   XXXX   XXXX   and Equifax to make these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: There was an account opened in my brother 's name and they used my card information. I found out today and called to request it be closed and cancelled and told them i did not authorize. I had already been charged 3 times and had n't noticed. I requested a refund for that account and was told I would only be refunded one payment even though the account was not in my name and I was being charged on my card. My card is in my name, not my brother 's name. They told me they delivered services so their end of the bargain was delivered.

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 03/31/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX, I had gotten behind on my mortgage in XX/XX/XXXX, due to some unforeseen family expenses. I called Wells Fargo and set up a repayment plan to bring my mortgage current. After three months and speaking with XXXX different Wells Fargo Representatives ( XXXX XXXX & XXXX XXXX ), I was advised to discontinue the repayment plan and submit an application to be reviewed for a loan modification. Following their instructions, I submitted an application for loan modification discontinued the repayment plan. In XX/XX/XXXX, Wells Fargo denied me for a loan modification. They stated that because I had already had a modification, I could not have another, ( that was five years ago ). since then I have been trying to work with them in hopes of bringing my mortgage current. After that decision I continued to try to work with Wells Fargo to bring the mortgage current and in XX/XX/XXXX, I was working with my HPS ( Home Preservation Specialist ) ( Wells Fargo ), his name ( XXXX XXXX ), who indicated that he would continue to post my payments for me until I could bring the account current, by this he meant making XXXX payments, or adding additional monies each month until my account was current, ( he gave me 6 months to complete this task ). XX/XX/XXXX, the IRS placed a block on my bank account which held up my funds from being debited from my account. XXXX XXXX assured me that once the block was lifted, he could then post my payments. In the meantime, XXXX XXXX was transferred to another department, and the new person is not recognizing my current situation. The new specialist ( XXXX XXXX XXXX, will no longer acknowledge the agreement that I originally had with XXXX XXXX. I am trying to bring my account current, and keep my home from foreclosure. In the last 3 month, I had to discuss my account with XXXX different representatives each one giving me different advice as to how to bring the mortgage current, no one is accepting my payments that are still in the bank to be applied to my account, if payment were accepted I would not have to deal with this matter. At this point the monies are still in my account, but Wells Fargo will not accept any payments from me. The representative has indicated that at this time the account is 7 months delinquent, if they accepted the payments, I would only be 3 months behind, I could then bring my account current. They have as of XX/XX/XXXX placed my home in foreclosure. In a good faith effort to resolve this matter, I am able to make XXXX payments to help bring my account current, which they will not allow. I am very confident that once my account is brought current that I will be able to resume making my monthly payments in a timely fashion. I am simply asking that they assist me by giving a modification, or allow payments to be accepted, bringing me out of the foreclosure status. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report XXXX already but up to now, the accounts are still on my report which is barring me from having a decent credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On  XXXX   XXXX   2017 , I mailed a certified dispute letter to Experian asking for verification of the accounts stating I owe on my credit report. I have not received any information as of Today  XXXX   XXXX  on the status of the reinvestigation. These reports are negatively effecting my account and it 's my right to request the credit bureaus submit verification of a debt said owed. If the credit bureaus can not verify a debt it is to be removed from the credit 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 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX subject used my personal information to contact XXXX XXXX XXXX XXXX XXXX to have replacement card shipped to an address other than mine - XXXX XXXX XXXX, XXXX, OH XXXX. The subject than made ( 3 ) seperate purchases of {$1000.00} each totalling {$3000.00} at XXXX  XXXX XXXX in XXXX, OH. These transactions took place on XX/XX/XXXX at the hours of XXXX, XXXX & XXXX. On XX/XX/XXXX at XXXX XXXX I was notified by text message that Wells Fargo had received these charges. I immediately telephoned Wells Fargo and stated that these charges were not mine, request an investigation into the fraudulent charges and requested that the account be closed. It was n't until XX/XX/XXXX that I received a message on my online bank account notifying me that on Wells Fargo had shipped a replacement card to an alternate address in XXXX, OH. I do not recognize this address and have never been to XXXX, OH. On XX/XX/XXXX I filled a police report with my home town XXXX XXXX Police - Case number XXXX reporting the identity fraud. On XX/XX/XXXX I  received a letter from XXXX XXXX XXXX that they rejected my claim that these credit card charges were fraudulent and that I was responsible for their repayment.

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