milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Credit reporting () with Clarity Services (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Clarity Services accessed my credit report on XXXX on XX/XX/2017 which they say is in response to a request from some lender because someone used my name and identification to apply for a loan ... this is a fraud as I have not made any such loan request and my bank account has been hacked four times since XX/XX/2017..so I suspect this is part of overall identity theft ... .I can not pursue this fraud without the name of the lender which Clarity seems reluctant to provide ... I want an immediate freeze on Clarity from providing my credit information to any lender who may request it ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The XXXX XXXX XXXX XXXX  XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/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 explanation
Consumer complaint received 12-12-2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Trouble during payment process

Complaint: I sent a fax to Dovenmuehle Mortgage XXXX XXXX XXXX on XXXX XXXX, XXXX to request for a loan recast and removal/cancellation of mortgage insurance. I then spoke to XXXX XXXX on XXXX XXXX, XXXX. Shockingly, XXXX XXXX only addressed my recast request in her letter dated XXXX XXXX, XXXX. I finally obtained an unsigned letter from Dovenmuehle Mortgage about the request to remove the mortgage insurance. I needed clarifications and my wife and I sat down for two hours on Monday, XXXX XXXX, XXXX from XXXX XXXX. In two hours we put in nearly 6 calls and waited on Dovenmuehle Mortgages customer service line for over one hour. We requested for the name and phone number of an office with responsibility for mortgage insurance removal ( as outlined in the Consumer Financial Protection Bureau regulations ), but were told that Dovenmuehle Mortgage does not have any such designated officer. We spoke to XXXX ( XXXX ), XXXX, XXXX ( XXXX ), who said she is a XXXX and XXXX XXXX, who introduced himself as a XXXX. XXXX ( XXXX ) dropped the phone on me and XXXX XXXX was just not willing to do anything and refused to provide any fax number where I can send in a detailed letter outlining how I wish to have the check I am sending applied. Dovenmuehle Mortgage is a disjointed, customer service floor with no one with direct responsibility to provide key services to customers. Dovenmuehle Mortgage should be made to have officers put their names and contact phone numbers on letters sent to customers. I have had to call this company several times and have to be on the line/phone for hours. The culture at Dovenmuehle Mortgage is horrible and the service is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help.
Thank you, 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 explanation
Consumer complaint received 12/16/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A representative from the XXXX XXXX XXXX called me and claimed to be representing a bank XXXX Providian Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but XXXX scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but XXXX continues to try to call me to collect. This debt must have been purchased from the bank because XXXX had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company changed the locks on my property after my XXXX house payment was 51 days late. I had called and talked with my account executive above being late with my XXXX payment due to seasonal work but I would make that payment in XXXX and my XXXX payment-I would have funds by XXXX XXXX. I called my rep on Thursday XXXX XXXX to make the XXXX payment and schedule the XXXX XXXX. The rep told me that they had sent someone to my property ( 51st day late was XXXX XXXX ) & they reported it vacant/abandoned. I told her that the property was vacant but not abandoned & that I have had vacant - insurance, etc. She made some comment about stopping " them from changing the locks '' and getting it straightened out. On Friday the XXXX after XXXX I went to my house and " someone '' had broken into my house - changed the locks, put a lock box on & some sticky notes stating : " The mortgage company holds the right and duty to protect this property. The property may be rekeyed and/or winterized within 3 days '' Is this even legal? NO phone call - NO overnight letter - The house was secure - they had to RIP my locks off my steel door. I have kept the " pieces '' as proof that the house was securely locked and they did not get in easily. 
On Saturday the mailman left a note regarding a certified letter that I can pick up AFTER the XXXX. I assume it is from the mortgage company. ( The mortgage company uses my current mailing address and must be aware that it is different than the property address on the loan. No mail deliveries are make that address ) Also I think this loan is a conventional loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: The date of XX/XX/XXXX I requested three withdrawals from Coinbase to my XXXX XXXX bank account. 

The first withdrawal was for {$5100.00} The second withdrawal was for {$270.00} The third amount was for {$330.00} I was informed that the funds would be in my account on the XXXX. The funds were not deposited by this time. 

I contacted Coinbase Support and was given two form letters, asking me to wait an additional 5 days. Still there was no transfer to my XXXX XXXX account. 

I was finally able to contact XXXX from coinbase who informed me the wire had been sent on the XXXX and I should check with my bank. 

My bank has no record of any wire from coinbase in these amounts. 

Re-contacting Coinbase Support i requested the federal wire number that accompanies wire transfers. I have not received a response, nor my funds, as of the time of this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: In 2015, I ordered workout items from XXXX. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.

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 11-12-2015 about Debt collection (I do not know) with A.R.M. Solutions, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This XXXX or XXXX XXXX called my XXXX year old daughter 's phone and left message that she is wanting to serve me and is threatening to take legal action against me. stated she has my name and social. I returned the call but went to recording stating the company name is A R M? So i researched this XXXX XXXX and this company A R M on the internet and read these people are scammers. how in the world did they get my daughter 's phone number? this is not the first " phantom debt " collector threatening me and repeatedly calling my several daughter 's phone and also calling my employer! these companies need to be stopped please Help! I have never received one piece of correspondence from this person nor this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alpine Credit, Inc (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Alpine Credit {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I cancelled Sears credit card number in XXXX and paid it off in XXXX. It was XXXX XXXX XXXX XXXX. 
I opened another account with them 4 months ago. Th In XXXX they started transferring the money I paid in to XXXX XXXX XXXX XXXX. In XXXX, they did the same thing. The amounts were {$790.00} and {$430.00}. Now they are saying I have to pay the {$430.00} plus XXXX again. I have called six times. 
I wo n't pay them anything more and have cancelled the account. It looks like fraud to me. 

and they won ' t straighten it

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 08/19/2015 about Debt collection (I do not know) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently began to check my credit reports when I discovered a collections account from Enhanced Recovery Company alleging that I owe {$320.00} for what appears to be utility or beverage services. I disputed the debt and Enhanced Recovery Company verified through the credit bureau. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Enhanced Recovery Company has not responded to my validation request and has not removed this trade line from my credit as requested. They are also reporting as XXXX different companies as they are Enhanced Recovery Company on my XXXX reports and Enhanced Recovery Corporation on my XXXX reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2017 about Debt collection (Medical debt) with Simon’s Agency, Inc (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I contacted simons agency on XXXX XXXX 2017 after numerous accounts were reposted by this company. after reviewing my bankruptcy filing I noticed that all of the listed accounts were included in my bankruptcy and only the service date was changed to make them appear to have validity. I spoke with XXXX XXXX who told me that I would be jailed if I reported this which is in clear violation of FCRA regulation. XXXX also misquoted FCRA incorrectly and attempted to badger me when he was corrected. XXXX was also advised that since the information was disputed well over 30 days ago and they did not provide documentation within the time allowed under 13 U.S.C and 15 U.S.C. that they must remove the information disputed. he refused and instead lied and stated that they were not required to provide a validation of the debt and could do what they like.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Company refuses to withdraw PMI from our mortgage even though the numbers are correct to drop it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: For several months now, Bank of America which holds my mortgage has been promising to get me a loan modification. For several months I have provided all the numerous documents they have asked for. Still week after week, I have received more packages from them which is now a big pile of paper. Until I decided to hire a lawyer to help me out. Even with the law firm being involved they have been dragging their feet and even though the last person for my file who was the XXXX person to be in touch with me told me weeks ago that they will have an answer for me in a few days, told me today that they needed two more documents. It is my belief that BOA was never interested to help me out or get me a loan modification. I have paid more than XXXX XXXX dollars to them and still owe XXXX XXXX!! without owning a single brick of my only asset in life. Now I got a letter from a different loan company that BOA has actually sold my loan to them. So I have to start all over again. This is the most unprofessional and unethical company I have dealt with. Not only they were not honest in their dealings, they basically lied to me. Please advise me what to do. I am behind my payments but I do n't want to lose my house. It is the only asset I have. I also have a son with XXXX. I have to spend all my time and energy and money on him. BOA is not an honest broker. 

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 explanation
Consumer complaint received 07-08-2016 about Debt collection (Auto) with Schukei Chevrolet Volkswagen (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: turned in leased vehicle, which I was suppose to either get another leased vehicle, or a new vehicle. I purchased a new vehicle in 2006. I was charged even though the agreement was that I would be able to take ownership and make payments. My car was repossed in XXXX the creditor changed hands 3 times, each time extending my lateness. car was sold at auction. it has been over 10 years and XXXX continues to have no information of my payment history, yet they do not know how much I paid, they say I have no late payments, they closed account and tell me I still owe XXXX. It was 10 years ago I purchased an XXXX, between my lease return, and purchasing the new vehicle, the XXXX original lender, sold my car note, then XXXX owned it and sold the note again to XXXX. XXXX is charging me for a repossession they have no explanation for what late payments, what paymens were made, and it is long overdue to remove this from my credit report since it looks like I own XXXX cars. my personal information was exchanged through all these agencies, and sensitive information. Phone calls 6x daily for years. I am now on XXXX, I was able to have XXXX and XXXX remove from credit report, but XXXX will not. They say it is closed account with outstanding balance of XXXX they charged me as if I never turned in the leased vehicle fully paid on time, added insurances I declined, and threatened me when I told them I was going to contact XXXX in Ohio XXXX the sales dealership was XXXX XXXX, XXXX, Ohio. I have no agreement with XXXX.

Company response to consumer: Untimely response
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CNG HOLDINGS INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Almost every day, I receive calls from Why Not  Lease  It on average of  XXXX  calls a day, every day. I currently have the number blocked so it stops ringing my number. While I do owe a   XXXX   XXXX   XXXX   on this loan, this has gone far beyond harassing. I have counted this many calls  XXXX  in a day 's time for weeks now. I have the phone log records from  XXXX  to show this and back my claim which are included for the days going back to JUST the  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Student loan (Non-federal student loan) with COAST PROFESSIONAL INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been paying on my son 's student loan for 10 years now through my social security check. It started out at {$2000.00} in XXXX. I have paid {$17000.00} at this time. They say that I have a balance of over {$5000.00} left. Now I find out that my son has been paying 15 % every two weeks from his paycheck being garnished. It has been this way for him for 2 1/2 years now. They tell him that his will not be paid in full until XXXX. Something is not right here and drastically wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have never lived at XXXX XXXX XXXX, Never lived at XXXX XXXX XXXX, XXXX XXXX CA. I have never worked at XXXX XXXX XXXX ... ..I would like all this taken off my credit. Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Other bank product/service) with Comerica (CA).
Issue: Using a debit or ATM card

Complaint: My complaint is about " Direct Express ''. They are a rip off company they steal money through their illegal fees AND it is almost impossible to get through to someone. Either the phone system wo n't let you in by saying call volume is high, & to call back. Or finally - when you get through - the phone call is dropped while transferring the call to customer service. Then, IF one does get through via the phone, the customer service reps do n't do what they say they are going to do. When I finally get through to someone then I GET A DIFFERENT STORY than from the previous representative. ( If you want all the times I called let me know. ) Ever since I received my first social security dispersal in XX/XX/XXXX THEY HAVE CONTINUALLY STOLEN MONEY from me by charging me illegal fees for the ATM service. Stealing is against the law for me - why not for Direct Express? 
I was told in XX/XX/XXXX by someone in one their phone call center that I was to have XXXX FREE ATM CHARGE monthly from a Co-America bank. But they continue to illicitly charged me {$.00} when I use the XXXX ATM. In XXXX they reversed some of their illegal charges and now I found out they have done it again - for at least 10 months. I called AGAIN on XXXX/XXXX/XXXX. It was necessary to spend over 55 minutes on the phone. At the end of the long & frustrating ordeal I was told I would have an answer in 5 business days. That did n't happen so I called several times ON SEVERAL DAYS beginning XXXX/XXXX/XXXX. Direct Express is very difficult to get through to. On XXXX/XXXX/XXXX " XXXX '' told me that my " request for the refund of the wrongly charged ATM fees was denied and there was no explanation ''. I paid my money into the social security tax system many, many years ago and I DO N'T LIKE HAVING TO PAY TO GET BACK MY OWN XXXX MONEY FROM DIRECT EXPRESS OR CO-AMERICA BANK. THIS IS WRONG, WRONG WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had 3 cards with Chase, one of them was a Chase Freedom Unlimited, which I had not used in over a year because I had other cards, which I 'd received afterwards, which had better benefits. I called them to find out what they recommend, to replace this card, and Chase recommended the Chase Freedom card so I asked the person to cancel the current Unlimited card and send the Freedom card. They did but before I had a chance to confirm I received it ( authorize it on the chase site ), they cancelled it, the Chase XXXX and Chase XXXX card for " too many inquiries on my credit report, in 2017 ''. They have not contacted me to tell me this, I called them when I tried to use my XXXX card for a {$3.00} purchase, on XXXX, and it was denied. Both " fraud '' people I 've spoken to agree that I have never missed a payment, in the over 20 years I 've had various Chase cards, nor been late, they just chose to do this because " i was a threat to the bank '' ( their words, not mine ).

Company response to consumer: Closed with explanation