milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX was under a modification program and should not be reported late 60 days XX/XX/2015. the monthly payment amount is incorrect also, it should {$1300.00}, Experian never verified the account.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted several request to XXXX Transunion and XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.

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 04/14/2016 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Macy 's is reporting that I owe {$1700.00} on account # XXXX. Several months ago, Macy 's issued a XXXX, cancellation of debt form, in relation to this balance. Furthermore, they now refuse to accept payment. 

Since they have cancelled the debt, and refuse to accept payment, they should update the owed balance to {$0.00} owed at the credit bureau level. They should not be able to issue this tax form, refuse to accept payment, and continue to report that I have an owed balance. That is not fair, and they are holding my credit profile hostage.

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 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Filed a dispute with transunion for XXXX XXXX XXXX and it was deleted from my report on XX/XX/XXXX. XXXX XX/XX/XXXX I received another report from transition and XXXX XXXX was not there. On XX/XX/XXXX I noticed it was reinserted without notification of reinsertion. I sent a request to remove account from my credit report by fax and nothing was done. I called on XX/XX/XXXX and I was only offered to open another dispute for XXXX XXXX XXXX instead of being offered to have the account removed immediately. On XX/XX/XXXX I received another report from transunion with XXXX XXXX XXXX on my report. As of XX/XX/XXXX I have not received notification of reinsertion or deletion of XXXX XXXX XXXX and also have not been provided any timely information as to why it was reinserted which is against my rights as a consumer.

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 09/20/2016 about Debt collection (Medical) with RR Resource-Recovery (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The credit collections agency in question only contacted me once by phone and once by mail well over a year ago, and suddenly, I have a negative credit flag on my credit score. While I 'm sure that I passed a time deadline to make payments on this account to prevent this from happening, the lack of communication from the collector is not only surprising, as I 'm used to being called monthly when I forget to pay a bill, but also irresponsible, as negative flags like this can remain on an account for XXXX years. I recently graduated college and would like to do things such as consolidate my student loans, possibly finance a newer car in the next few years, and get a mortgage to buy a house, but this XXXX item is going to seriously hinder my ability to do any of that. Had R R Resource Recovery contacted me before this account went into the flag zone, I would have begun making payments immediately as I received a substantial promotion and raise with my current job.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CREDIT CONTROL SERVI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT CONTROL SERVI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Trouble during payment process

Complaint: I live in a flood plane and which means that I have to carry flood insurance to statisfy my mortgage requirements. I previously had my home hazard insurance and flood insurance with XXXX. After a very poor experience with XXXX, I switched my home hazard insurance to XXXX. My flood insurance is set to renew this year on XXXX. I have been trying to switch that over to XXXX as well. <P/>In XXXX, I found out that my mortgage company, who handles my escrow, Shellpoint Mortgage sent over renewal payment to XXXX for my flood insurance. I did not request this nor want it. I only found this out when I called to have the insurance be switched to XXXX. <P/>Since then, I have been trying to get the insurance switched. On XXXX, Shellpoint told me that a check would be sent to XXXX. Then, once they received that payment, they would provide me with a Decleration Page, which I could use with XXXX to cancel the current renewal and get the original payment refunded. <P/>On XXXX I received information from XXXX that the check never went out. Upon calling Shellpoint, they confirmed the same thing. After spending over an hour on the phone between both parties, Shellpoint said that they would overnight a check to XXXX to make sure that we could get this worked out before the renewal date of XXXX for my flood insurance. <P/>On XXXX I called Shellpoint to confirm everything was good, and get the overnight check information ( tracking number, carrier, etc ) so that XXXX could easily find the check. Then I was informed that the check never went out and that it takes them 'time ' to process the check. <P/>I am currently on the phone trying to deal with this issue. However, I have very little faith that it will get worked out. I am worried that I will not be able to switch my flood insurance to XXXX and even if that happens, I am worried about being able to get a refund from XXXX. <P/>Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are multiple inquiries that I did not approve of. The ones I authorized were : XXXX, XXXX, The XXXX XXXX XXXX dated XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (LA).
Issue: Money was not available when promised

Complaint: I have been verified on coinbase.com for weeks and have been able to buy and transfer money to the website. I now wish to sell some of my digital currency but coinbase is asking me to verify information. I do so and i get an error saying I can not be verified. This effectively locks me out of my money even though I have already been verified. Now coinbase is failing to respond to emails and I am not alone in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, Transunion and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX 2017 My credit history was involved in the recent Equifax Security Breach. The potential impact of identity theft and duration of impact is unknown at this time. Services which we do not have a choice of being involved with should be held to high security standards.
The company waited over a month before informing consumers, and their " help '' website is not secure either.

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

Complaint: Equifax, a consumer credit reporting agency, was recently ( estimated XXXX 2017 ) breached and sensitive customer data exposed to would-be identity thieves. Equifax had insufficient security in place to prevent this breach, and has tasked the consumer with following steps manually to freeze, monitor, and track their existing credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was the secondary signer on this loan. It was for a family member and, when she started to default on this loan, I was never contacted to try and rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Account Control Technology, Inc. (HI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from this Account Control Technology at XXXX  XXXX time from XXXX. I was n't able to answer the call, but called back at approximately XXXX. I followed the prompts and got " XXXX '' on the phone. XXXX took my cell number and attempted to contact the department that was handling the claim. XXXX came back and told me that that department was closed and that I 'd have to call back. I asked how that could be since they JUST called my house. She said that they were calling to " get my attention ''. I asked what would have happened had I answered the phone, and she started to repeat herself. When I tried to ask how they could possibly have closed in the 5 minutes it took for me to return their call, she got irate and screamed into the phone " have a nice day! '' and hung up. I called back, and got her on the phone again. I told her that I 'd be reporting the calls, and she hung up the phone on me. I have no idea what this company is calling about, and I want the calls to stop if they have nothing to do with me.

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 09/30/2017 about Money transfer, virtual currency, or money service (Check cashing service) with The Check Cashing Place, Inc. (CA).
Issue: Unexpected or other fees

Complaint: I went to a check cashing store and they charged me almost {$30.00} to cash my XXXX check that is worth over XXXX.. by law they 're not allowed to charge me more than {$3.00}. The company this took place at was, The Check Cashing Place, Inc Store # XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX XXXX, California. The company ripped me off and I should be reimbursed {$25.00} since they overcharged me. This store is n't the only place where they charge people more than what 's required by law. Please help me resolve this issue. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage loan ( # XXXX ) with Wells Fargo towards the purchase of my new home in XXXX, CA. My wife and I are both gainfully employed in high paying XXXX jobs and have impeccable credit scores in excess of XXXX. The loan process began in early XXXX and I submitted comprehensive documentation of assets including statements at that time. I have had a lot of trouble with the Underwriting team at Wells Fargo responding 10 days after I initially submitted my documentation of assets. The initial estimate of the payment ( including costs ) due at closing given to me was higher by around {$7000.00} from the final closing cost causing me to scramble and liquidate assets towards meeting this requirement. The Underwriter did n't agree to have this as a closing condition instead requiring me to liquidating my assets before approving the loan. On this occasion too the Underwriter took more than 3 days AFTER the liquidated funds reached my bank account to sign off her approval. After all the delay caused by the Underwriting team, my wife and I finally signed off on the loan documents after depositing the payment with the escrow company yesterday morning XXXX. The Wells Fargo underwriting team threw a curveball after the signing by insisting on a Section XXXX item ( broken duct indicated by the termite inspection team and not the home inspection team ) to be certified as not being a hazard as a condition to funding the loan. This was not a condition that either me as the buyer or the seller had mutually agreed to as part of our contract agreement. This was a total surprise to me and the sellers as it was never mentioned as a condition by either the loan consultant or the underwriter previously. If this was a condition, the Underwriting team should have indicated as such, prior to me signing the documents for closing. I understand that loan underwriting standards have become very stringent, but I believe that Wells Fargo 's underwriting team is acting out of malice towards me causing me and my family undue grief and trouble stemming from rescheduling appliance delivery, movers and cleaning crews. At this point I can not understand the reason why Wells Fargo 's underwriting team is putting up last minute hurdles towards the closing of my loan other than the fact I had declared myself as being of XXXX origin in my application.

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 08-12-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I understand you are just following standard-processes ... But on this one I need you to think " out-of-box ''. Your normal " submit-a-dispute '' does not fit my need as it is designed to submit only on an individual entry ... I have a more broad issue. 
I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be 37,244 days or 10.20384 years. Please correct my years of credit to 10-years, 2-months This is the third time I have submitted this request ... So please read this and absorb in its entirety ... Then respond accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AK).
Issue: Credit decision / Underwriting

Complaint: On Monday XXXX XXXX, 2017, my home insurance company XXXX XXXX XXXX XXXX contacted me and informed me that Ocwen Loan Servicing , LLC contacted them stating that my home was vacant and unoccupied. XXXX XXXX contacted me immediately and we started looking into the matter further. They then stated that Ocwen Loan Servicing , LLC was listed as the mortgagee on my insurance paperwork. Ocwen is NOT my mortgagee and my house is not vacant. XXXX XXXX Bank is my mortgagee. On XXXX XXXX, 2017, I received documentation from XXXX XXXX to provide to XXXX XXXX stating that they were the mortgagee. XXXX XXXX did no see anything in their system showing that I changed who the mortgagee was. XXXX XXXX also looked into the issue and there was no indication that Ocwen has been a part of my mortgage at any time since purchasing the house. XXXX XXXX ( XXXX ext XXXX ) was my XXXX XXXX case worker.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, I began to pay extra toward the Principal Deferred Balance.  Since then, I have paid a total of {$2000.00} and Wells Fargo has failed to deducted the paid amounts from the Deferred Balance. Or in the alternative, Wells Fargo has also failed to deduct the extra payments from the 'Outstanding Principal Balance '', which would have caused a recalculation of the 'total ' owed and a new monthly payment amount would be less. I have addressed the credit several times and Wells Fargo has refused to credit my account accordingly. In fact, Wells Fargo has not shown to which balance the extra funds have been applied to. Rather, Wells Fargo has shown that making extra payments toward the Deferred Balance is not allowed and yet it refuses to refund my extra payments that I have made. My contract does not forbid me from making extra payments toward the 'Outstanding Principal Balance '. Wells Fargo has accepted by extra payments that were clearly marked " Principal '' and has failed and refused to deduct said amounts from the total balance. Wells Fargo has not applied the extra payments toward any balance and it has not given my account credit, it has not recalculated the total due nor has it recalculated my monthly payment. Instead, it has taken my money and it continues to charge me the same interest rate and amount amounts in spite of the lesser total balance that was caused by the additional payments. On XXXX/XXXX/XXXX, once again, Wells Fargo refused to apply credit for the payments, readjust the balance and give me credit for the interest it charges since XXXX/XXXX/XXXX and in the alternative has refused to refund my money.

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 10-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was sent a bill by this company, that I knew I did not owe. It was for an ambulance bill, that I know was finally paid by both Insurance companies after awhile. 

Continued threats and arrest if we did not pay when we had already supplied proof of payment by insurance. Would not let up and reported on my Credit reports as a negative. 

I had to finally sue in Federal Court in XXXX XXXX, and received a default judgement because the collection company never answered any correspondence from my attorney 's or from the Court. 

Now unable to collect judgement since they hide behind closed locked doors and say they have never been served with court documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Managing the loan or lease

Complaint: On XX/XX/2016 ( XXXX after XXXX ) my two-month old 2016 XXXX caught fire while I was driving it in XXXX, where I live. Some by-standers came to my aide and together we were able extinguish the flames before the fire department and police arrived on the scene. The car was drivable because we acted so quickly, but I filed a claim with my insurance provider, XXXX and had it towed back to the dealer where it has been since then. XXXX fire investigator inspected the vehicle and, I was told, found it to have caught fire from a manufacturer 's issue. The dealer and Chrysler XXXX are both expecting me to not only keep up my lease payments, but also take the car back as if potentially losing my life from it, was n't bad enough. I have told both XXXX XXXX in XXXX, my dealer and Chrylser XXXX that given the circumstances that I can not reasonable speaking get back into that car or any other XXXX vehicle. My XXXX daughter was in the car the day before and the whole incident has really shaken me up and has me scared for my well-being and the well-being of my family. They were expecting me to make a lease payment this month on the XXXX ( XX/XX/2016 ) but I did not as they are still in possession of the vehicle and I am not planning to take that back. I am very concerned with everything else that has happened that this could damage my credit that I have worked very hard to maintain and my wife and I are planning to purchase a home next year. Please help me as nay help would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with SN SERVICING CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX sold my loan to sn Servicing on XXXX 2015 at the time of this purchase I was current on all payments. I notified SN Servicing for a monthly statement and it showed delinquent payments. I have documented receipt showing all payments made and they are currently being paid for current payment for XXXX 2015. At this I am not giving any payment towards back pay because they have already been made, I would like to resolve this matter asap.

Company response to consumer: Closed with explanation