milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've been disputing these charges XXXX2008. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Services of Oregon, Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX threatened to seize my assetts and garnish my wages, when I said a judge would allow payments life I was offering to make she said they 'd garnish and seize without it going to court. She said they 'd just take my income since they know where I work. She lied about calling XXXX I told her that has n't been my number for years, she said she 'd left a message. I told her I could prove it was n't my number for years. She told me they would n't agree to payments but we 're going to proceed in garnishing my wages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest you didn't expect

Complaint: I went into XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX to get a personal loan, and was approved. Over the remainder of the year, I have been making payment bi-weekly that are taken directly out of my bank account. They are charging me 279% interest rate, which is making it impossible to get this loan paid off. No to mention the fact that this is putting a huge financial strain on my family.

I have contacted them numerous times, asking what I can do to get this loan paid off and they continue to tell me I would need to make additional payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (MT).
Issue: Credit decision / Underwriting

Complaint: I have been through the HAMP process and have signed and followed up on several Dodd-Frank documents suggesting that my prompt payment incentive is on its way. It has been 10 months since the completion of the 6-year program. However, when I reach out to my mortgage company about facilitating the incentive my request is dismissed until my mortgage lender receives payment from the government. There is no advice on how to resolve this. I have held up my end of the agreement, but it appears that there is not a way to access my incentive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I saw on my credit report I had XXXX collection accounts. I called the Collection company to pay and they refused to allow me stating I didnt have the full account number. Due to me not having the full account number to pay, they stated they had every right to ruin my credit. This is extremely unfair as I am willing to pay and they will not allow me. 
I explained I never even received a bill, nor do I see it on my insurance information and they refuse to send me another bill thus making it more impossible to pay the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VeriCore, LLC (ME).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Vericore sent me the following in a email threatening to contact third parties about my debt which is not a confirmed debt. I have asked that they send me the information thru the mail and they continue to email me with threats They wrote this : For disclosure purposes, I must advise that such action includes but is not limited to contacting state regulatory agencies such as the Maine Secretary of State, ( to investigate any licenses, certifications, UCC filings, judgments, tax liens, and verify your corporate charter ), your current bank and current bank officers, ( to investigate any open lines of credit, average daily balance of the operating account, and to verify if the your company is capable of obtaining a line of credit to satisfy its obligation ), all secured creditors and any vendors listed on your credit application ( to verify what terms you have been extended, inquire about any past due balances or recent payments, etc ), as well as the local tax assessor or your current landlord, ( to determine if you are current on your property taxes or rental lease ), XXXX, and the local XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (FHA mortgage) with MID-ISLAND MORTGAGE CORP. (NJ).
Issue: Application, originator, mortgage broker

Complaint: My mortgage company ( Mid-Island Mortgage ) did not give me the 6 % allowed sellers concession by the FHA guidelines. They only gave me about 3.5 % even though it was agreed that the seller would allow up to the allowable 6 %. I been after them for over a month asking as to why and they would not give me a clear answer. I had to speak to the branche VP and he said something was wrong and he 'll look into. Had a conference call between myself, my attn. and XXXX XXXX ( branch VP ) he stated my cash to close was incorrect and was suppose to be XXXX dollars, when I paid XXXX dollars and said he 'll find out what happen as well as why I was n't allowed the 6 %. That was the last I heard from him. He has not returned my calls or emails for the pass 2 weeks. I had to come out of pocket last minute at closing to pay for the remaining closing fees, which I should n't have if they gave me the 6 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Confusing or missing disclosures

Complaint: I filed two disputes with PayPal and the people they have in place to resolve problems are from the XXXX and they can barely speak English. Also they do not understand the American culture. I had a problem with XXXX where they were to credit money back to my credit card and they never did it and it took PayPal employees from the XXXX about two weeks to understand what was going on after I made many phone calls. As of today I have a {$240.00} dispute with PayPal and its going no where because I have no way of communicating with PayPal employees from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX did a hard inquiry to my credit report in XXXX XXXX and again in XXXX. When I switched my account from business XXXX to individual XXXX XXXX proceeded to do another hard inquiry on my account despite the fact that they were informed that it was the same social security number and I did not agree to a hard inquiry on my credit. They were informed that if they had to run a hard inquiry on my credit report I was going to close my account. I was assured by the customer service representative that they were not going to run my credit again. When I pulled up my credit report it appears that despite the recorded message of me NOT agreeing to another hard credit inquiry XXXX went ahead and proceeded with a hard credit inquiry. Once again I never agreed to allow XXXX to run my credit for the second time as my recorded message would indicate. I have notified XXXX on several occasions both in writing and over the phone that this is unacceptable and XXXX has done nothing to rectify the situation. I am therefore asking for your assistance in this matter as this company can not be trusted to do right by their customers.

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 09/27/2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. 

I have attempted to contact XXXX at XXXX and tried to reach via phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (I do not know) with Roycroft Management (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got calls from different area code XXXX numbers saying that if I do n't call a number they will bring documents to my home or workplace. The voice identified itself as XXXX XXXX and told me to call XXXX XXXX XXXX XXXX. His call originated from XXXX XXXX XXXX XXXX. I 've had calls like this before, and it was quiet for awhile, and now starting up again. I do n't believe I have any outstanding debts, and do n't appreciate them threatening to come to my home or work. Please look into this for me. Sincerely, XXXX XXXX ( XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX nissen altima was fininaced in XXXX with XXXX it was paid in full XXXX titles was released and sent to me traded the car in XXXX and purchased a XXXX dodge thru XXXX, the amount of {$1000.00} was put on my credit XXXX if it was not paid in full the titles would not have been released, i am deputing that {$1000.00} amount on my credit, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: With this reporting agency the Tax Lien has expired according to trans union this case will not be resolved due to the fact of their policies, but why other agencies like XXXX and XXXX had removed the tax lien report from their list, all XXXX agencies operate under the same policies and compliance and also the merchants whom consult with tax lien removal will constantly send me mail which is very annoying.

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 11/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: On Monday XX/XX/2016, I call Chase Manhattan Bank to stop a Check that I gave to a XXXX, but the XXXX did n't do the Job, after try to contact the XXXX several times without answer, I was trying to stop the payment, and confirm that the check was no cash, When I call the bank the associate confirm that the check was not cash and I gave him the information of the check I was not at home so I only had the XXXX XXXX numbers of the check number but I had the the amount of the check {$6700.00}, and the name of the company ( On the check ) the associate said that the information was enough to stop the check, but besides that Chase Manhattan cash the check. I said several time to the associate if the information was enough and he said yes. Beside that when the check arrived Chase cashed the check and tried to blame me for that, they were not allowed of cash the check after I stoped the pay of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid
-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX the original service provider removed once i advised that this amount was not owed and i was charged for equipment that was not contractual and XXXX  acted in bad faith and did not provide the services that they alleged to be the provider of. They had removed the negative information and sold the account to a different debt collector that later transferred it to diversified.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: On XXXX XXXX around XXXX XXXX, I wired {$20000.00} to XXXX ( Subsidiary of XXXX ) from my bank account at XXXX XXXX XXXX XXXX. Their website clearly states that wire transfers will be posted the same day if done before XXXX XXXX, and the next day if received after XXXX. I confirmed with their bank that my wire transfer was received and deposited with Coinbase within 30 minutes of being sent. 

I have sent literally hundreds of emails asking where my money is, and have only gotten a couple auto-replies, essentially stating that my case is being reviewed. The couple times I 've had the 4-plus hours to wait on hold to speak with a human being, I was told that phone support can not help with deposit issues. 

It 's been over 6 weeks with NO specific updates or acknowledgement. This is absolutely rediculous. 

XXXX # XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX : {$20000.00} Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016 Bank Of America AKA XXXX XXXX A illegal limited power of attorney which was fabricated by who knows who tool establish legal standing at my foreclosed action see my case at XXXX under my name XXXX XXXX or Case # XXXX I am requesting Bank of America to pay me the Judgment amount of {$140000.00} Plus infliction of XXXX infliction of XXXX damage and XXXX damage Bank of America will have all the liability towards all the suffering that I had done To me in and family option XXXX I will take a legal action with many other people will result in a class-action which Bank of America would by liable

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 03/15/2017 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To Whom It May Concern, I have recently noticed a collections account on my credit report that is inaccurate and does not belong to me. Also, the collection agency pertaining to this account is Enhanced Recovery Corporation and they are not licensed to collect debt in my state, which is Tennessee. According to Tennessee state law, any company attempting to collect any type of debt, REQUIRES a license. I would like this account removed from my credit reports effective immediately! 
Thank you in advance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RGS Financial, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX of this year I noticed an account reporting on my credit file and by RGS Financial. I immediately mailed them a letter requesting validation and more information pertaining to this account. It 's been several months and they 've still yet to send any sort of communication pertaining to this supposed debt, however the account continues to report on my XXXX credit file.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My son filed for bankruptcy he is a XXXX, Equifax is reporting his bankruptcy on my credit report. 
I have spoken with the US Bankruptcy Court XXXX and XXXX Consumer Service neither has this in their data base as being mine. Only Equifax is reporting this inaccurate information. I have being trying since XX/XX/2017 to get this off my credit report to no avail.I am attaching a copy of my son 's bankruptcy discharge papers to show this is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Debt collection (I do not know) with CNG HOLDINGS INC (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I asked them to show me prove and they hung up on the phone. it is on my credit report and it is damaging it. they just sent me a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experianis taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX I was a victim of identity theft. I filed a police report and after a few weeks the detective that was handling my case found the person who did it and arrested them. I disputed several items by certified mail that remain due to this incident and sent it to Experian. When I received the dispute investigation results I saw that none of the Items were removed. I repeated this process for over a Year with still no results. So on XXXX/XXXX/XXXX I called Experian and asked what did they need from me to get these things off. I was told that I could send in the police report and so i did and I even had my dispute letter notarized as well as sent a copy of the letter that the District Attorney General mailed me as proof of me being a victim and the person that was arrested in connection with my case. Yet these items still remain.

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 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I contested an apartment Community billing amount of {$3000.00} in XXXX where Judgement was for me to pay {$830.00}. Property Manager immediately sent {$3000.00} to Collections Agency called Rent Recovery who listed the {$3000.00} with all XXXX-credit bureaus. On XXXX XXXX, XXXX, I contacted the manager of XXXX XXXX XXXX where the Manager adjusted the amount down to {$1900.00}, and he forwarded this Corrected amount to Rent Recovery. Problem : Rent Recovery has failed to submit the Corrected Balance of {$1900.00} to the credit bureaus. I have requested a Corrected Billing from Rent Recovery, but have not received it. Rent Recovery says their requests to generate this new document was made 3-4 times and that I should have it. Now Rent Recovery has said they Do Not Generated Corrected Billings or Settlement Letters. I need a True Balance Bill to verify the Corrected amount I will be required to pay. Rent Recovery is rude and will not confirm that they have sent any updated billing to me or the credit bureaus as they stated.

Company response to consumer: Closed with explanation