milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 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: Account information incorrect

Complaint: I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by XXXXurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.

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 07-11-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My reverse mortgage loan servicer ( Champion Mortgage ) started foreclosure process on my loan, they claimed I no longer lived in the home. I have lived in the home for 40+ years and have never moved. They did not send me an annual occupancy statement. I immediately let them know that I did live in the home, jumped through multiple hoops, got aid and advice from a HUD advocate and at the end of the day they told me my loan was closed and I had to sign a new loan agreement which only gives me 17 more years. The mortgage I took out was for life, I can not afford to not get monthly payments so I signed the new paperwork. They forced me into this situation and I feel took advantage of me. I have all records and information that I will attach. I do not have email, my friend XXXX XXXX is submitting this with his email XXXXXXXXXXXX. Please confirm receipt to this email and communicate with me via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have had several issues in the past year with Equifax. I have no issues getting credit information thru XXXX or XXXX. Equifax claims there is no credit information tied to my name, address or social security number. I contacted my bank whom I have had several auto loans thru and they stated they are sending information to all XXXX bureaus every 30 days. I contacted Equifax and they tried throwing everything in my court saying I needed to prove who I am by sending copies of my drivers license and social security card via fax. How is it that XXXX of the XXXX bureaus have no issue with my identity and reporting from multiple lenders yet according to Equifax I do n't exist? Honestly, I am extremely uncomfortable about having to prove to Equifax who I am when I have already done so with all the lenders whom I have accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A total of XXXX fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart DC, Old Navy, PayPal, and Amazon. The Lowes account was finally removed from my XXXX report. The Paypal and Amazon accounts were sold XXXX, and they are harassing me for payment. These accounts are not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: US bank for the past month has put a hold on my account due to a returned check. Since XXXX I have been having problems with them, they have closed a couple of my accounts without due diligence of verifying any information with me and have also opened account without my authorization under my name. US bank has been refusing to give me specific accurate information about my checking account. They were stating that I have a check that they were unable to verify, but it did get deposited and instead since they are not able to verify, they will just deduct that money from my account they are forcibly closing and then send me the remainder. US bank had restrictions and a hold in my account where no deposits or deductions were to be made, but they still let another deposit in the account and continue to deduct money without my authorization. US bank has been unprofessional and their communication about my funds that I work hard for has been incredibly a big financial issue and stressor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Nation star indicated that tbey would automatically modify my second lien loan after my first lien was done. That was back in XXXX. Every month I am told it is in process. Finally in XXXX I recieved loan documents indicating what my new payment would be starting in XXXX. I returned them signed and have yet to receive any additional information. In XXXX I called to make the payment and was told my loan was in default when I was transferred to the modification program they told me it was just taking longer to get documents proceeded but all was good and to send in a payment in the new amount the next week. It is now ebs of XXXX and I am getting certified letters that I am in default. I paid the new payment amount in XXXX and XXXX. I just want them to resolve this mess as they are reporting me to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a modification under the hamp program with my mortgage company. The first time I got it all done & it went though & I began my trial payments. Due to some personal circumstances I was n't able to make all XXXX payments so the modification fell through. I tried repeatedly after that to get the hamp redone. I was told by XXXX rep that since I fell out it probably would n't happen again. I have since then spoken to another rep, sent all my docs in again & have not received a response back. I sent an email today to inquire about my next step & was told my request was closed back in XXXX but I was never notified of this. My mortgage has continued to get further & further behind due to this & now I 'm afraid I 'm going to lose my home & do n't feel like I can get the help I need through CitiMortgage & am really at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Within the past 3 years SPS Servicing has been servicing my home loan. My original lender was XXXX XXXX. I have been trying for 3 years to modify my mortgage, butTime after time I am met with a request for further details and paperwork. I do not want to lose my home but I am not able to fight SPS Servicing alone. They have also refused to issue me any information regarding who actually holds my mortgage note while threatening foreclosure via mail and with notices left on my door. 

I have been working XXXX jobs in order to pay my mortgage, but they will not issue a modification so that I can afford to stay in my home. 
Please help me figure out how to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Account opening, closing, or management

Complaint: Navy Federal Credit Union ran my credit last week without any permission from me! I have open disputes with them and they ran my credit without any authorization from me! They DO NOT have my permission to ever run my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company offic es of FMR, calling me  from different  XXXX  numbers, talked to representative and it 's not even a debt I owe. Calling other family and friends numbers and leaving messages about trying to contact me. I do n't owe any company and I have blocked several numbers and it has yet to stop. I do n't need to be harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX 2016 I had XXXX bitcoins which was worth about 3000 US dollar back then transfer to my wallet in Coinbase the transfer was successfully processed but the coin never showed up in my Coinbase wallet it seemed before the money go to my wallet they transfer it to 2 diffrents wallet that I had no clue I contact them they asked to send everything that I had I sent them but no one can really give me a real answer all they told my account is at level 10 right now no real answer I have all the screen shots to support my claim it is very scary I had the money send to that wallet so I can invest it but Coinbase try to steal my coin

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX bill for XXXX. I did not open a account with this company. On the credit report ( XXXX ) it states that the account was open on XXXX/XXXX/16. This isnt my debt. Enhanced Recovery Corp

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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I went to pay my complete balance off at the kays store and i thought i paid everything off as what the company told me and at the same time i had just moved so by the time i got everything in order with my mail i recieved a collection for the amount of {$40.00} at that point i contacted kays and i spoke with them about removing the bad status remarks on my account if i paid off the balance with them they agreed and told me i just had to make a payment and that i wont have nothing effecting my score or my payment history and they have yet to fix they finally removed that i have a balance with them but they didnt removed some remarks and my payment history and its affecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This in a complaint against the credit bureau EQUIFAX, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from a XXXX car dealership. Santander Consumer USA approve my loan with a high interest Rate. My monthly payments were XX/XX/XXXX a month. The original amount of the vehicle was XXXX for 76 months. Account status is Closed and XXXX has been written off the price of the loan. Around XX/XX/XXXX this vehicle was repossessed with a pass due balance of XXXX Then added XXXX to the loan in the same month dating XX/XX/XXXX. Previously 2 yrs of payment were paid but collection account didnt apply my current payments to my principle. While the XXXX dealership housed this vehicle until XX/XX/XXXX the past due amount became XXXX. On or around XX/XX/XXXX Santander Consumer USA reported that I made a recent payment of XXXX. My concern about this fraudulent loan is my 24 months of payments have not been applied an or deducted from original sale price of this brand new vehicle. Then Santander Consumer reported I made a payment after the repossession of this car, sold it to another lender as it appears as a duplicate negative collection on all 3 credit reporting agencies. When the vehicle was repossessed all interest rates and late fees should 've stopped. Instead they dishonestly took my money and keep the car for the full balance showing nothing that ive paid towards this vehicle. Im very Overwhelmed how Santander Consumer USA takes from tax payers. Please help me with this fraudulent action I face. ThankYou in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan care purchased our loan but does not except electronic payment. They only accept loans by mail that are paid up to six days late accumulating six days worth of interest each month. My prior servicer excepted electronic bill pay and the payments were made at the beginning of each month on the first. If they are going to except or purchase a debt they should be required to maintain the previous servicers practices.

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 08-11-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: I had a personel account with Capital One Bank and An XXXX Corporate Account with the same bank. the bank manager closed my account and removed all funds from my personal account and deposited the funds into my corporate account without any permission and without advising me of the transaction. when I went to the branch they stated that there was two cashiers check mailed to me, which I never received they failed to tell me that they deposited my personal funds into the corporate account. its been now 30 days since that happened and the accounts are still open. I never authorized any of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed a BBB complaint against Exeter Finance Corp on XX/XX/XXXX for inconsistent credit reporting for a repossession in XX/XX/XXXX ; after numerous disputes with the creditor ( Exeter Finance ). I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the BBB ( XX/XX/XXXX ), this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5  days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the BBB complaint below.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing the loan or lease

Complaint: We purchased a car from a Bank of America account holder on XXXX XXXX, 2015. A BOA notary notarized the bill of sale and we paid off the loan. To date, we nor the seller have received the lien release from BOA. We are being told that the document is in the mail. It has been over a week and we have not been able to get the car titled in our name. They have our money, but are keeping us from using the car because we can not get it titled, registered and licensed in our name. This should not be happening in this day and age of technology.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received a bill from a debt collector for a friends medical bill. They actual charged me for my roommates lack of payment. I argued and also had them send me their medical records, which I was able to sign the release form. It shows that the bill was not in my name, the bill was owed by someone else, but they still have this on my credit report. This has also dropped my credit score from XXXX to the XXXX causing an issue with obtaining a home mortgage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XX/XX/XXXX I called to cancel my services with XXXX XXXX XXXX. I received a confirmation email that my membership was to be cancelled and I will no longer get billed for the services in the amount of XXXX On XX/XX/XXXX I  noticed that I was charged again for services in the amount of XXXX. I called XXXX XXXX XXXX and the rep apologized and cancelled my membership again. I received another email with the membership cancellation. On XX/XX/XXXX I received a refund for XXXX. Since then I have still been getting alerts from XXXX. This morning I logged into the account and I see they have a payment scheduled to charge me again on XX/XX/XXXX in the amount of 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 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.

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 10-09-2017 about Checking or savings account (Checking account) with DISCOVER BANK (TN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened a cashback checking account with Discover Bank and made an initial deposit of {$25.00} dollars via ACH transfer from my XXXX account. It took Discover Bank approximately 24-48 hours to take the funds and an entire week to release the funds to me. I then proceeded to make another ACH transfer for {$25.00} which was removed from my XXXX bank account onXX/XX/XXXX.  Discover Bank will not give me access to my money until XX/XX/XXXX. They are holding my money for more than 2 weeks. On XX/XX/XXXX i called customer service and i was basically told " oh well '' " that 's when you 'll get your money. '' I was informed that THEY " Discover Bank '' had to make sure my ACH request was n't fraudulent. I told the customer service rep that i would be more than happy to get XXXX on the phone with them, so they could verify me. Discover said NO .... So basically, I dont get access to any money i deposit into this predatory bank until whenever THEY feel like releasing it. Discover Bank should be investigated and fined for that kind of activity. My account number at Discover Bank is XXXX and the last four of my social is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a tax lien for XXXX dollars that I do not have or owe. I have not received any notices or any documentation from the state or city of a tax lien. All my taxes are current, I do not owe any back tax money.

Company response to consumer: Closed with explanation