milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I dispute an account with XXXX and they correct the error ( account open fraudulently ). I send all the information needed to XXXX, and they send me my credit report corrected. XXXX correct the account too but EQUIFAX have the information all wrong. I try to dispute this account in Equifax with no results. And all my information is wrong in Equifax, i have a mortgage and they delete the account and the account on dispute its still in my report. I been checking my credit report in XXXX XXXX almost everyday to see any change on it. I dont know if the 3 credit agencies are supose to have the same information. I can give you my XXXX report number for easy access to my info : XXXX I live in puerto rico and the account was open in united state. I been trying to deleted this account since XXXX  2015 and Equifax still have this account. Also the address still in my account. The account in dispute is XXXX XXXX # XXXX they use this address : XXXX XXXX XXXX XXXX VA XXXX ( fake )

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Student loan (Private student loan) with Allied Interstate LLC (CO).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: Currently loans are in court defense to discharge

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 04/23/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on your report

Complaint: I filed chapter XXXX bankruptcy in XXXX it was discharged in XXXX. My car nor my mortgage were included in the bankruptcy. My payments to both have and continue to be in full and on time. Yet on my credit report it reflects included in bankruptcy and they are not reporting my payments so my credit is getting worse not better. 

Account Name Account Number Account Type XXXX - Bureau Account Designator Date Open High Limit Monthly Payment Account Balance Last Reported Account Status Amount Past Due XXXX Individual XX/XX/XXXX - - - XX/XX/XXXX INCLUDED IN BANKRUPTCY - Comments BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED, FIXED RATE,

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NETSPEND CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never applied for a loan/ credit with NetSpend . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Other mortgage) with Real Time Resolutions, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Real Time Solutions reported on our credit that we were in default of a loan from XXXX 2012 in the amount of {$45000.00}. We have never done business with this company ; we have never received any type of correspondence nor have they ever tried to contact us. This is an erroneous report on our credit from a company we have never even heard about.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Managing the loan or lease

Complaint: In 2013, my husband was in car accident and total lost our XXXX XXXX XXXX. The insurance appraiser came out to assessed the vehicle and settled the car as a total loss. I was notified by the insurance company that they settled the total loss payment with the lender. At this point, we were without a vehicle and driving a friend 's car. Following the accident, the GM Financial did n't give us an opportunity to purchase another vehicle ; therefore, we were with a vehicle. As of today, the lender GM Financial has continued to harass us for a vehicle that we no longer have in my possession. We have receive threatening phone calls and letters ; and have also reported negatively to ALL XXXX credit bureaus which is affecting my buying power. We no longer have any business dealings with GM Financial, however, this company has been haunting me about an issue that should have been resolved 4 years ago. At the end of the day, GM Financial has ruined my credit making it impossible for me to get another vehicle loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: My complaint is about Venmo, the person-to-person money transfer service owned by PayPal.
<P/>
My son, who is  XXXX , wanted to sell a nice laptop computer. He found a buyer who agreed to buy it for {$2200.00} and said he would transfer the money to him on Venmo, which advertises that it goes straight from the payer 's bank account to the payee 's bank account. My son agreed to give him the computer after he had proof that the guy had sent the money.
<P/>
On   XXXX   XXXX  , 2017, the buyer sent the money through Venmo in {$85.00} increments ( see transaction record, in attached documents ). My son had his father meet the buyer and give him the computer.
<P/>
Soon after the {$2200.00} had been transferred, according to the record of transactions that Venmo showed my son, my son was asked to verify his identity. He gave his credentials, which included his age, which Venmo had never asked him before.
<P/>
The next day,   XXXX   XXXX  , my son checked his account at   XXXX    and found that no money had been added to it by Venmo. He also was told by Venmo that there was a problem with the transaction and that the money transfers would not take place.
<P/>
He contacted customer service at Venmo by phone, and a representative opened an investigation of his case.
<P/>
The following day,   XXXX   XXXX  , my son received an email from  XXXX  in customer service at Venmo informing him that he had violated the terms of the customer agreement, so he would receive no money and his account had been deactivated. A copy of that email is attached in the documentation below.
<P/>
As I am his sole legal guardian and he is a minor, I contacted Venmo myself by telephone, and they said they could not talk to me because I was not the person on the account and my son 's account was deactivated anyway.
<P/>
Venmo did not specify what terms of the customer agreement had been violated. The customer agreement, which I printed out, is 26 pages single-spaced. I noticed that it says you need to be 18 to use the service, so perhaps that was the violation.
<P/>
If so, Venmo did not verify up front that my son was 18. It is well known that minors use Venmo all the time, and my son 's friends are no exception. They had no idea you needed to be 18, they just thought you needed to have a bank account -- and had been using the service successfully.
<P/>
Venmo is preying on children and facilitating frauds. The " buyer '' was clearly a fraudster who knew well exactly how to play Venmo 's system, and Venmo let him get away with it. Venmo must be stopped, and my son and I must be made whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice from IC systems claiming that I owe an alleged debt of {$490.00} to XXXX. I have no idea what this is about so I sent a written dispute in regards to this matter. IC system is threating to report to all the XXXX of this alleged debt owed. I since then have not gotten a response in regards to validation of this alleged debt. It is now mid 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 04-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am complaining about OCWEN loan serving. My loan was sold to OCWEN in XXXX XXXX. My first payment was sent to them on time. Two months after they send me a notice stating the previous lender claimed I had not made the last XXXX payments. I sent copies of cancelled checks, and bank statements to prove I had paid them. They send me a letter stating they were satisfied. Two months later they start all over. I sent them again. Then they came back claiming I owed money from a bankruptcy chapter XXXX. I had the trustee from Texas send them information stating I had satisfied all paid money due to previous mortgage company, and nothing was owed. I was then sent in XXXX XXXX a foreclosure notice with a date to sell off my home in court the following month. I haired an attorney to stop the motion, and he immediately sent a no trespassing order, and tried for months to communicate with OCWEN. I even set up bi-weekly phone calls with OCWEN to try and resolve the matter. Then suddenly they state I owe XXXX from my XXXX mortgage, because they were posting payments to my second mortgage for 8 months. They reversed it back the my XXXX mortgage, but also took escrow to pay insurance and taxes first even though I had been paying entire note with escrow fees for both XXXX and XXXX mortgages. The attorney removed himself from the case and gave my money back. OCWEN offered loan modification but I did not qualify, and they would not refinance my loan. I still fought with them. In XXXX XXXX they started refusing payments from my XXXX mortgage and was threatening foreclosure again. They told me if I paid the XXXX I owed they would stop it. I hired a real estate attorney, and he stopped proceedings. The XXXX court hearing that was set up and they were certified notification they did not show up and it was rescheduled and then cancelled again. I have spent XXXX in legal fees and nothing is being accomplished. Before all of this started I was in the process of refinancing my home, I was paying around 22 percent interest, and was going to get a 4.5 % rate, but because OCWEN claimed I was behind 3 months I could n't get it refinanced. I am trying to sell the home, and they agreed to let me, but now they want me to start paying some bogus amount till I do. I filed for chapter XXXX to keep my home after Hurricane XXXX, to provide a roof over my college age daughter expecting a child, and myself. I paid everything back that was required from me. I bought the home in XXXX for XXXX, and now owe XXXX. In reality I should owe around XXXX on the home. This has been nothing but stress, and nothing is being resolved. My advice to anyone is if your mortgage is sold to be serviced by OCWEN you better get away from them. I have paid XXXX for a house I am being faced with losing. These people get away with this. Not only that they will not post payments for days after they receive them when paid in

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax had a security breach. My information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (FHA mortgage) with Southwest Business Corporation (AL).
Issue: Incorrect information on your report

Complaint: I lost my job two years ago and took advantage of the Alabama Hardest HIt program where they will pay your mortgage for one year. I was assured in a three-way phone conversation by both Hardest Hit Alabama rep and SWBC rep who works with these types of programs that this would not negatively effect my credit. I was concerned when i first went through the application payment because the end of the month would come and they hadn't paid it so I would pay it to keep it current and they told me to stop paying it, late payments under these programs would not be reported to my credit. This fall, the Hardest Hit program made three late payments, I believe on over 60 days late and two over 30 days late. This was reported on my credit and now my score has dropped drastically and I am having my credit card companies cancel cards on me. I filed a dispute with the credit agency, who told me I had to also file one with the mortgage company, which I did via a letter and also email. I received a letter from them last week assuring me it was under investigation. Yesterday, XX/XX/XXXX, I received a second letter from SWBC stating that the found the information to be accurate and are not going to fix this. This puts me in great jeopardy as I have started a business and my money is tied up and until it becomes liquid, I am dependent on credit cards - which I have always made my payments to all of them, mortgage included ON TIME!!! Please help me! I'm going under! My retirement is at stake here! Please help!!!

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 11/30/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was able to get my report from transunion but when I returned minutes later to get the reports from the other XXXX agencies it said it timed out and that I could n't get either one online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/XXXX, I made a wire transfer in the amount of {$1800.00} to Coinbase, Inc. ( XXXX ). This money is supposed to show up in my account, at most, one business day after being sent. Today is XX/XX/XXXX and it has yet to show up in my account. I have called Coinbase 's customer support line eight times and every single time the automated message said that they were experiencing heavy traffic and then hangs up. I sent 4 e-mails to them as well, but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am  a U.S. citizen w ith a primary residence in  XXXX . I established an account with Coinbase with  XXXX  ID. I soon discovered that I was unable to withdraw funds that I had deposited due to Coinbase not having a " processor '' in  XXXX  to facilitate withdrawal. The only activity I was able to conduct was depositing funds via credit card. I have tried to re-register my account to a valid  US address with a valid US Drivers License countless times using all facilities and options available to me thru the Coinbase website and mobile app. EVERY attempt has failed. I have attempted this well over 2 dozens times. I have inquire with Coinbase Customer Support also countless times. The only current option to contact them is via a website contact form, although when I first started this effort, I was able to use email. Regardless of method, Coinbase response was almost always a preformed response which was never helpful and never addressing my request for help. Currently I have money in a Coinbase account and have no way of withdrawing it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: My checks were stolen as well as documents with my signature. I reported my checks stolen to Bank of America. I even walked into a branch and received new checks and asked the bank not to allow any transactions on the closed account with only small pending transactions. I had a new account number created XX/XX/XXXX. 
On XXXX, the bank reversed charges, claiming that my signature was consistent with mine on file. Does the check fraud department do or do not know that signatures can be forged? The bank also makes an excuse how claim forms that were emailed to me were not received. I am sick and tired of Bank of America not covering claims. I am ready to go to a higher level of Law Enforcement that the Banks are not investigating claims correctly or not covering claims, which is fraud itself. I certainly hope that this agency does something about Fraud and this Bank for a change. I have another claim not covered XX/XX/XXXX that I want covered and reopened by this bank. 
I was also charged fees in another account which both accounts combined I never should have been charged.

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX Now 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. 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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my credit report that I do not recognize. I have been a victim of identity theft in the past, so this isn't a surprise to me. But these inquires must be removed. 

None of the companies have responded to my requests for removal, neither have the credit agencies

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 03/30/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I have an account with Westlake financial ( XXXX ) and they are in the process of attempting to reposes a vehicle which I conveyed in a title loan transaction. The issue that I have is that Westlake has hired a third party agent that has violated the fair debt collection practices act on several occasions. Their agent has engaged in such practices such as conveying information concerning the vehicle make, model and year, parked in the drive way of a private residence for prolonged periods of time ie harassment of a third party and the most egregious act is misrepresentation of their standing or official title. 

The agents have stated om many occasions that they are " investigators '' however when pressed on the matter of holding a " validated investigators license '' of any type the third party agent, XXXX XXXX ( XXXX ) XXXX avoided the direct questions and said call " the number '' which he refused to convey. 
The primary issue of concern is the continued harassment of third parties who are not obligated in any way to this matter and the conveyance of proprietary personal information and false claims concerning their professional standing which is in direct violation of the FDPCAFalse statements. Debt collectors may not lie when they are trying to collect a debt. 
Additionally, sitting in the driveway for extended period of time ( XXXX ) can be construed as an obvious harassment tactic. 
Divulging proprietary information of the nature of the attempted contact specifically the Make, model and year of the vehicle which is an obvious attempt and inference to the status of the loan/account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation