milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Credit card () with SQUARETWO FINANCIAL CORPORATION (AZ).
Issue: Delinquent account

Complaint: Had a   XXXX   XXXX   credit card. Lost job and it went to collections. I have been getting contacted by  CACH LLC on acc ount  XXXX . I am not familiar who they are. Within my rights, I asked them to provide validation of the debt, proof of how the balance went from what the balance was at   XXXX   XXXX   when the account was open to how the balance got to where it is now. I also asked to provide proof that they are authorized to work on my account on behalf of   XXXX   XXXX  . They refused to provide this. I contacted  XXXX  and they advised that the new creditor does not have to provide this and has closed the dispute 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
Consumer complaint received 10/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed XXXX years ago, I am waiting.g on XXXX.My son pays my bills, bank of America is trying to charge me late fees for XX/XX/XXXX and XX/XX/XXXX.My son 's gets paid on the XXXX and I pay the mortgage the very next day.They have been told about my situation, my son is doing the best he can to help me.He can not afford to pay these outrageous late fees.

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 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed a dispute on XXXX XXXX, 2016. I have not had a response to the dispute. I called customer service and requested to speak with manager after not getting the information I was requesting from representative and representative would not transfer me after multiple request.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested a credit line increase on my  XXXX  credit card. They said they would need to run my credit  (  hard inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  XXXX / XXXX / 2017  and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted Equifax disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times  XXXX  with no answer. In summary,  XXXX  performed an explicitly unauthorized access to my credit score, violating my rights, and perhaps violating the law, and they are not doing anything to fix it. Equifax denied without major reasons my request to fix this, in spite of the supposedly communication sent by  XXXX  reporting the inquiry as erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: Hello I have requestion for validation of this debt through transunion and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

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 07/16/2015 about Mortgage (Home equity loan or line of credit) with ASSOCIATED BANK, NATIONAL ASSOCIATION (OR).
Issue: Loan modification,collection,foreclosure

Complaint: i have a home improvement loan through associated banks.i have informed them that i must let the house go to foreclosure. this was over 1 year ago. when they wrote the loan, my home was to be the collateral for the loan. how ever they disregarded the title report indicating that i was n't even listed on the title. my XXXX deceased brothers were listed as tenants in common on that title report. because our local family lawyer, XXXX, misinformed me as to what i had inherited as a sole surviving son. and also never back checked any of the legal actions he had preformed for my family. this left me with an unsellable house which i have remodeled, but do n't own. associated has been elusive on reveling what actions they plan against me for defaulting on a loan they should never have written in the first place. XXXX XXXX is the loss mitigation manager whom Ive spoken with in the past. almost impossible to be reached by phone, very aggressive & confrontational. according to a recent inquiry with XXXX XXXX as to the state of the loan, she told me the bank had given up on the loan & it was not being sent to collections. i have since been denied access to that contact & referred to XXXX XXXX. they say they do n't want the property, yet there is still a lean against the title preventing me from selling the home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (ID).
Issue: Deposits and withdrawals

Complaint: Case Subject : violation of TILA ( Pub. XXXX ) Case Description : On XXXX XXXX, 2016, {$1200.00} was transferred from my XXXX checking account to my Navy Federal Credit Union checking account via ACH funds transfer. When the funds arrived in my Navy Federal Credit Union checking account on XXXX XXXX, 2016 ; I found nothing was in my checking account, after trying to purchase some groceries at a local supermarket. Navy Federal Credit Union had XXXX pirated XXXX the funds that were in my checking account ( at the time : {$1200.00} ). [ In violation of 12 C.F.R. 1026.12 ( d ) ]. I called N.F.C.U. multiple times to resolve the issue, but was told to speak to someone in a different department, or that they could not help me. I was finally able to speak to XXXX different " managers '' in XXXX different departments ( checking and credit cards ). Neither was willing to work out this issue. If it had been their sons ' it would have been a different story!!! 
I requested the checking account Manager to provide an audit of the account per G.A.A.P or XXXX. conventions on acceptable accounting practices, which the account manager flatly refused and said " you are repeating something you read off the internet. ''!!!! A " consensual '' security interest in the account was not granted or intended, nor was I AWARE of granting such security interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These accounts were to be filed through my insurance. I called the office back in 2013 and the representative said they did not have my insurance on file. I updated it with her. However, she said she can not submit a claim over 30 days. I said her fault ; I have insurance. Your problem you lost it. Then called Simons debt collection agency woman said the 30 day thing is not true and that she would contact the medical office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MI).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I initiated a wire to withdraw my funds of {$12000.00} from Coinbase to my bank account. The funds were immediately taken out of my Coinbase account, making them unavailable to trade or invest, which was expected as a wire is same or one business day. At the time the wire was initiated there was no warning of delay by Coinbase. Today is XX/XX/XXXX and I have still not received my funds and they are unavailable on Coinbase, unable to invest. I have emailed the company multiple times with no response. I have called them multiple times with no one to answer. The phone simply disconnects. I have written them on social media over 20 times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (GA).
Issue: Taking out the loan or lease

Complaint: I have attached a detailed letter outlining the issues along with the appropriate paperwork. 

But basically, XXXX XXXX XXXX had a promotion, XXXX months same as cash. Furniture delivered would n't fit, manager agreed to allow me to return it. I wanted to return right away so I would n't be billed, and to ensure I could find something else I liked. He asked me to hold it in my home until I picked something else out and they would pick it up when they delivered the new furniture. This all happened about XXXX weeks later. I immediately shrink wrapped the cloth sofa and ensured that no one would sit on it since it was being returned. The same day I finally received my furniture I was billed at the same time and I have been trying every since then to explain I should not have been billed for the original furniture that they agreed to have returned but who also told me to keep in my home. 

Secondly, as I began to complain that I was billed incorrectly as I never took possession of a bed ; that the billing due date was not correct it was associated with the original furniture ; and that they had been charging me late fees based on the original due date ; I eventually had a collection agency calling me and finally they sent derogatory alerts to the credit bureaus stating I was XXXX days late each time. 

I was told I had to file a dispute which I did in XX/XX/XXXX and this process has continued with no resolution. 

I met with the store manager and he agreed that there was an error they still showed that I was responsible for a bed that I never took possession of. But he told me he could n't do anything about it. 

I never received anything about how this loan process would work, penalties, etc., until finally after my visits back at the store, my disputes filed twice, the repeated phone calls to XXXX XXXX XXXX Corporate and finally a company called TD Retail Services which the actual loan was processed through ( which I was never told ) this TD Retail sent me paperwork on XXXX XXXX XXXX, 2015 outlining the details of the loan. Had I know the loan would not be with XXXX XXXX XXXX, I would have never taken the loan and/or furniture. They totally deceived me. 

I felt they sent this on XXXX XXXX, 2015 to cover themselves. 

I felt the entire process was deceiving by XXXX XXXX XXXX. I do n't trust XXXX XXXX XXXX nor this company and I really do n't want anything to do with any of them further. 

I requested several times to speak with someone to address these concerns but all I kept getting was I need to go back to the store ... and the store needs to correct everything. The store kept telling me I need to go back to this TD Retail Credit Card company. Forget XXXX XXXX XXXX XXXX, they simply did not want to get involved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear CFPB I represent a client who settled a debt of XXXX. The client has XXXX and is selling his home. I have tried to no avail to obtain a release for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Factor Trust (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Factor Trust Credit Report Agency, XXXX XXXX, XXXX, GA XXXX, had release FALSE information to XXXX potential lenders companies ; consequently, my application for a loan were denied. Factor Trust stated I am employed by XXXX, unknown to me. Also, Factor Trust released FALSE information obtained from XXXX which contains FALSE information including address and phone numbers, and information that are more than 7 years old and not longer are required to be released to others because of the Statue of Limitations. I have faxed all these FALSE information directly to Factor Trust for a prompt remedy since Factor Trust had injured my rights to obtain credit. Other False information released by Factor Trust is from XXXX XXXX XXXX XXXX which are inaccurate. As long Factor Trust continues releasing FAlse information regarding my credit, I believe, FIRMLY, that Factor Trust SHOULD NOT be permitted to conduct this type of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and XXXX have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX, at XXXX I called USAA to investigate a misleading inquiry on my credit report. I spoke with a XXXX who transferred me to another representative XXXX. I asked XXXX for a escalation specialists. I was transferred to a XXXX XXXX XXXX. 

I explained my current situation of a credit inquiry on my credit report and went into detail how their pre-qualification is different than the industry. XXXX explained I was wrong and that a pre-qual is the same as a pre-approval. He stated that because a computer ( Desktop Underwriter ) reviewed the inquiry it has n't gone through an Underwriter that would require income verification, etc. I advised XXXX that the website and company definition is misleading ( initial simulation of income/expenses and obtaining a DTI ratio ) to consumers and he stated, " It 's not. '' I advised that the intent of the request through USAA was to obtain enough information to make a sound decision to either apply for a pre-approval or to not. 

Through our conversation, he advise that he has made a request for other people to remove the inquiry off their credit due to an error. I then asked if it 's fair that he would do that for other people when my situation was misleading. He said yes, that is fair. I told XXXX he has violated Fair Lending practices by offering other consumers a credit inquiry removal but not for me. He stated, " I have not because it was company error. '' I do n't feel my situation was resolved and asked to be contacted by an AVP/VP. XXXX 's response was, " No. I am not going to give you that information. '' I then asked for his supervisor. His response, " ... .this is going to end with me. '' I asked if I can be transferred to his supervisor 's voicemail, he said, " I can but I will not. '' I asked for his supervisor 's name, XXXX stated, " No. '' " I 'm not going to give you that information. '' I asked for a manager call back, he said, " No. '' I called back and spoke with a XXXX and asked for XXXX 's supervisor information. She offered for a manager call back within 24-48 hours. 

I feel that I was personally discriminated against due to my current financial situation as XXXX had my credit information in front of him. I was attempting to resolve my concern and was left with a horrible experience from a USAA escalation specialist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I attended XXXX in XXXX Texas for the lvn program in which I began in XX/XX/2016. We were convinced to take out a private loan in which they breach their contract by shutting their doors with no notice in XX/XX/2016. I strongly believe I should not be held liable for paying the private loan in which I was not able to complete the course. I decided to to continue the teach out plan and will decide to enroll at a community college in three near future. If possible get the money I already paid to the private loan. When we contact the lender they have no option for us for forgiveness instead insist we will still owe as they already paid their funds to the college. I feel this is no fault to myself and wish for this to be clear

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has serviced my mortgage for years. My mortgage fell behind and {$5100.00} was owed. I was contacted by Ocwen Financial offering a modification. I was told to pay {$9300.00} no later than XXXX/XXXX/16 then mortgage will be current. The {$9300.00} was paid to Ocwen, via wire transfer, on that date. The funds were returned w/out notice. I called & was told : First, amt was {$300.00} short, then, I 'm not eligible for modification. I told them they offered it to me, then they said : " Ok now pay {$12000.00} by XXXX/XXXX/16 & you 'll be current & your next regular payment will be due XXXX/XXXX/16 ''. Why was n't it made current w/the original payment? All that is owed is {$6400.00} - why do they want {$12000.00}? I ask for agreement in writing, never get it. Amt owed keeps increasing w/no explanation. Filed a written complaint on Ocwen site - no response. All calls are routed to an XXXX call center - never able to speak w/someone that can help. Funds are available in a separate acct. I need help w/this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have submitted several disputes to Experian. Attached is the last letter that they sent to me. It lacks sufficient information to identify which dispute they are referring to. They did not identify the account I had disputed. They did not reference the date of my letter. They did not reference the report number that I had disputed. How am I to know what they are referring to? Experian is doing a very poor job of communicating. It appears that they do n't take disputes seriously and/or they do n't care about reporting only accurate information as required by the Fair Credit Reporting Act. This is very frustrating to someone who is trying to get inaccurate information corrected on their credit report. The CFPB should address such problems with Experian and get them to comply with the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We were offered XX/XX/2016 a recast offer from ditech with instructions to sign form if interested and pay the reduced payment of XXXX for XX/XX/XXXX ... XX/XX/XXXX and XX/XX/2016..after researching if to our benefit we signed and sent in payment was instructed. By XX/XX/XXXX we received phone calls looking for our payment..we explained and after searching were told the funds were in a different account waiting approval of recast..This went on each month including literally dozens of phone calls sometimes two and three daily and numerous correspondence. in the mail..Letters telling us we could no longer afford our home and steps we could take to avoid foreclosure ... Each representative we spoke some for hours trying to straighten out the confusion told us a different story and that the problem would be rectified ..only to have a repeat performance within days. 
We are XXXX and XXXX years old respectively and neither of us in the best of health..We rely solely on our SS payments which we receive the fourth Wednesday of each Month. our Bills are payed immediately upon receipt of funds in our bank account..our mortgage payments are always made ahead of time yet since the recast debacle they keep telling us our payments are late and charging {$26.00} late fees each month ... which naturally facilitates more phone calls..one which occurred minutes before sitting down to write this missive. The rep. proceeded to tell me there were no late fees ..but my payment was XXXX dollars short but could n't tell me what the shortage was for..yet the new statement received days ago clearly shows late fees listed. 
At this point our nerves are completely shot and we are at our wits end. 
We inherited Ditech this past year from our former mortgage holder of a year that was greentree.finace another inherited mortgage company..Please any help you can offer would be greatly appreciated.. sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation