milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiries made without my knowledge or permission. 

XXXX : Equifax XXXX - Inquiry from XXXX made 2 times on same day XXXX XXXX, NJ XXXX ( XXXX ) XXXX I R XXXX XXXX Inquiry from XXXX/XXXX/XXXX GARDEN XXXX XXXX CA XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX No contact info listed Equifax Mortgage Ser - Inquiry from XXXX/XXXX/XXXX XXXX -Inquiry from XXXX/XXXX/XXXX No contact info listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have received at least 4 phone called from Pinnacle credit services. On every phone they say they have sent me a statement letter or statement they ask me to verify my address which I do but tell them I have not received anything from them they said someone was probably checking my mail. So I told them on a phone call to send it via email have them the email and had them call me back that day so I could tell them I received or did n't. Which I did n't received anything via email. They said they were going to mail it out again and email again. End of phone call. The next time they called I told them look I 'm really want to settle the account but I need a letter stating my acct will be cleared after they receive payment and they will no longer contact me for the remaining balance or sell my acct to another collector. They sent me to the manager who was very rude. And said they could n't send a letter stating that until payment was received. I told him look I 'm not about to pay something I have no record of your collecting agency, for all i know you could be stealing my information and money. He said they was the company and that i could look them up on google. i told him to send me a certified letter so they are price I received the statement. He said they were n't going to do that. I do n't see why they would n't send a certified letter of I 'm willing to settle the account unless they are a shady collector or false people wanting to scam.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (FHA mortgage) with Alabama Housing Finance Authority (NC).
Issue: Trouble during payment process

Complaint: My mortgage servicing provider ( XXXX ) is supposed to pay my Hazard ( Homeowners ) insurance from an escrow account. My XXXX ( underwritten by XXXX  ) policy was going to lapse on XX/XX/XXXX if payment was not remitted. I followed up with XXXX at the end of XX/XX/XXXX and they indicated they had not received a bill for the insurance renewal. I contacted XXXX and they faxed the renewal bill to XXXX. On XX/XX/XXXX I  paid the insurance policy in full ( {$840.00} ) to prevent a potential lapse. On the same date, XXXX paid {$680.00} to XXXX from my escrow account. 
I have requested a refund from my escrow account for the partial unpaid amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I  have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: so on the  XXXX  of  XXXX    XXXX   I received an email from Best B uy ( BB ) th anking me for my order. the email was timestamped  XXXX .     But I did n't order anything.     I found the email and read it sometime before   XXXX   XXXX   XXXX   that day because I had already call ed citibank/bestbuy had the car d canceled and changed my password on all my accounts. My balance on the card is  XXXX  today.     However I wondered what would happen to the {$1600.00} laptop that was ordered. Would BB actually ship it? I was dismayed to learn that even no more than  90  min after the order was made e ven CS at BB could  not cancel the order but they informed me that the matter had been sent to their fraud department whatever that means. I have to say that th e BB CS was abysmal I can t imagine anyt hing worse. They didn ' t seem to care about the fraud, or want to discuss what would happen next but they were very interested in verifying my identity. This order was made online and I ha ve the BB  card, it has never left this house.     The person receiving the order is "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX   XXXX   XXXX   XXXX  NJ.   Needless to say orders are not charged until shipped an d Citicards/BB said  it would not ship as there was no valid card active.     However it did ship and is on its way. I have been told that I am not responsible as I reported the fraud before it was shipped but what I want to know whose card was charged or is this a ploy of UPS/BB to intercept and arrest whoever signs for the package on the  XXXX  of  XXXX ??   I have not been able to get any assistance from  CIti or Best Buy on this matter and I am turning to you to help me understand since BB will no t or can not tell me why they sent  XXXX  dollar order that no one had paid for.     I tried to contact  XXXX  but there was no way to do so, I tried to call the police department in  XXXX   XXXX  but they hung up on me. Nobody wants to stop this crime.

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 02-04-2016 about Credit card () with PAYPAL HOLDINGS INC. (NC).
Issue: Payoff process

Complaint: I took out a low interest loan to pay off my credit cards including my pay pal credit account. At the time the paperwork was processed for the loan, I had a balance of {$5200.00}. A check was mailed out on XXXX XXXX pay pal credit for XXXX and posted to my account on XXXX XXXX stating it was received on XXXX XXXX. I was not aware that this balance did n't reflect a credit for return that I did in early XXXX or a payment that I made in early XXXX. Now, I have closed my account and there is a credit balance on my account. I called and emailed Pay Pal credit on XXXX XXXX and requested my refund be mailed. I was told it would take XXXX10 business days. I received an email in response yesterday stating that the refund would not be processed until XXXX/XXXX/16 and from there it would take an additional XXXX10 business days to process. I was not told this on the phone. When I called pay pal credit on XXXX XXXX, I was told that they have to hold my refund in the amount of XXXX until XXXX/XXXX/2016 due to money laundering laws. It is my understanding that these laws apply only to transactions over {$10000.00}. If the laws do not apply to my credit, I request that the refund be processed immediately and received within the XXXX10 business days as originally promised to me. In addition, pay pal credit will not close my account because of the credit balance. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: Wire withdraw of {$14000.00} from Coinbase to XXXX Business account was initiated on XXXX XXXX. This withdraw is confirmed in Coinbase 's system and has debited my account. 

The deposit never arrived. The XXXX Business account ( target wire account ) has been cancelled. I have contacted Coinbase informing them that 1 ) the wire never arrived 2 ) the wire target account has been closed. I have requested coinbase to refund the account with the {$14000.00} initial wire amount. Coinbase has been completely unresponsive. Account is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2016, I received a letter date XXXX XXXX 2016 from Ocwen Loan Servicing. This letter reflects a pay off quote valid through XXXX/XXXX/2016. 
First, I did not request a pay off quote from Ocwen Loan Servicing. 
Second, this pay off quote show a principal balance of {$140000.00}, interest - {$220.00}, satisfaction cost {$42.00}, payoff fee {$30.00} and a deferred principal balance of {$110000.00}. 
Now, what is a satisfaction cost and a payoff fee? Why are we getting charged for these fees when I did not request a payoff quote? It appears that Ocwen is charging us un-necessary fees! Is Ocwen Loan Servicing trying to harass us because of the numerous complaints that we filed against them? Is Ocwen trying to force my hand to take Ocwen Loan Servicing to court? I request that these fees not be added to our loan. We are not planning to pay off this loan or sell our home. We are continuing our investigation into mortgage fraud, robo-signing to name a few. This complaint IS NOT about mortgage fraud nor robo-signing so do NOT address this issue. Ocwen must address this complaint only and not address anything else. If Ocwen address anything else that is not related to this complaint, it will XXXX even more and more complaints will be filed against Ocwen!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have documented confirmation that my mortgage payment was mailed from my bank, XXXX XXXX XXXX, on XX/XX/XXXX. My mortgage payment was due to be received by Shellpoint Mortgage by XXXX. XXXX XXXX sent me documented proof that Shellpoint cashed the check for my payment on XX/XX/XXXX. I forwarded this documented proof to Shellpoint Mortgage on XX/XX/XXXX. I have not been able to call or speak to the department that handles payment disputes because Shellpoint refuses to direct my contact to that department. I have been repeatedly told that the payment disputes department will only communicate with me via mail or email regarding their research of my payment dispute. As of today, XXXX XXXX, I am continuing to receive notices of our delinquency on our mortgage. We have never missed a mortgage payment or been late on a mortgage payment since we purchased our home in XX/XX/XXXX. In addition, Shellpoint Mortgage changed their payment address in XX/XX/XXXX. We believe this is a contributing factor in their inability to properly identify and credit our payment. As a faithfully paying customer for nearly 20 years, we are extremely frustrated by this lack of competence, compassion, and understanding. We have invested countless hours attempting to resolve this issue with Shellpoint mortgage only to be told time and again that we are unable to speak directly with anyone who can help resolve our issue, and those denials are followed by repeated receipt of late payment notices.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Other debt) with EQUIFAX, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Equifax has re reported XXXX XXXX XXXX on my credit report without a 5-day notice which is against the law. <P/>According to the FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. <P/>( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage

Complaint: I was victimized by Washington  Mutual  when I got me 6 % fixed f or 10 yr s in  XXXX . We all know about the crash. Now they went out of business a nd for 3 y rs I have been trying to g et Chase to  re fi. Now I have been working with a loan agent and this is what they offer. appraisal is  XXXX . Cash in to close is  XXXX . Loan amount would be  XXXX . This adds up to  XXXX . Really is this not a rip off. They want me to sign to a loan that amounts to  XXXX . Also their apprai sers are always low. So I will just sell when I can, never never deal with Chase, and go on with my business. Nice way to treat a vet. So I know you can not change them but I wanted to show you what they offered. Clearly they are taking advantage of me again. At my age, this loan would be totally crazy to take. Again, just another rip off by Chase. No wonder people hate to deal with them. They simply are about taking advantage of people to make MORE money for the father company. So this is my swansong to Chase. I  would not open an account with them if they gave me  XXXX  to do so. If they were the only bank to buy a home with, I would simply rent. Man, I can not believe they get away with this stuff.  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I have a $ XXXX/mo credit monitoring account at XXXX. It was setup under a free trial 6-8 months ago, but I have been unable to cancel. My membership no is XXXX. The company requires calling XXXX to request cancellation. I do that, but the message says service representatives are busy. After 30 minutes or so the line just hangs up. I have no way to cancel these charges, for a service I do n't want and never intended on using.

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 monetary relief
Consumer complaint received 03-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX advertises a XXXX credit card that earns 2 % cash back on everyday purchases. There is also a sign-up bonus of " {$100.00} bonus cash back '' after {$500.00} expenditures within 90 days of account opening. Earnings are credited as points that equate to cash ( XXXX points = {$1.00} ). XXXX does not disclose that the points can only be used at full value if deposited into a XXXX brokerage account. The points are only worth half the value when used as a statement credit. The {$100.00} bonus is only worth {$50.00} as a statement credit, and the " 2 % cash back '' is really only 1 % unless deposited to a XXXX brokerage account. The fine print in the XXXX application refers to redeeming points into an " eligible XXXX account. '' I applied for the credit card over the phone and asked if the credit card was an " eligible '' account and if I could use the points as statement credits. The XXXX representative said I could use the points for a statement credit, but did not disclose that they would only be worth half their value. I only discovered this issue when I tried to use the points.

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 02-02-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have had a judgement on my credit report for XXXX years about XXXX XXXX Inc/ Serenade Apartments. This judgement was satisfied and I exceeded the disposition taken to not have any repercussion against me. However, I have dispute this transaction several times and received the same outcome with it being on my credit. I believe that there are XXXX claims with this entity against me. I will be providing documentation to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2016 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I have a credit account with Kay Jewelers which is past due. I tr to make payments when i can, but their collectors constantly harass me with phone calls at all times of the day and night. They start at XXXX and continue through XXXX everyday of the week, Saturday and Sunday included. I have told them they should be receiving a payment on Tuesday, the next business day, but the calls continue, up to 12 calls a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: In 2011, took out a mortgage that later ended up being serviced by Fay Servicing. I read the report that CFPB fined them up to XXXX XXXXXXXX for multiple failures to protect consumers such as was the case with me, used illegal practices among other violations. The report says Fay has to pay back that money to those consumers harmed by those practices. How can I be assured that Fay will reimburse me? All of the details of my case can be found by contacting XXXX XXXX XXXX. Fay never offered or informed us about mortgage relief when this first happened. Now, for the past two years, I have been trying to get a loan modification with Fay and they keep asking for documents, then they let them expire and then ask for them again and again .... all while they have a pending case pushing for foreclosure. My lawyer says they ca n't pursue sale while we are in the modification stage yet they continue to do so. Thank you so very much. I look forward to hearing back from you. And look forward to the hope of getting reimbursed for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have a hard inquiry from Regions Bank that I did n't authorize from XXXX 2016

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 04-07-2016 about Payday loan () with CNG FINANCIAL CORPORATION (MI).
Issue: Can't contact lender

Complaint: Had a payday loan in 2013 " Check N Go '' in Indiana was a legit company. ( Amount Less than {$300.00} ) Wrote a postdated check that ended up bouncing or not clearing ( Or was drawn on a closed account ). I had lost my job moved back home to XXXX during this time and had closed my Bank account with XXXX. I am still pulling records from when the loan exactly was and when the account was closed. Now this company is coming after me saying their collecting on behalf of them stating that I need to pay {$770.00} this includes restitution. " For intent to Defraud '' Felony. These people managed to call almost my entire family requesting I contact their offices. I have asked to verify the debt but they said there not required to do so since there not a debt collector. They also stated that an arrest will be issued for my arrest as well as me being extradited back to XXXX. 
Facts-They had my full address and SSN, they were able to confirm friends names and phone numbers and employment at the time. They were also able to give me the check number and bank number however he spoke so quickly I could n't verify. 

I have all calls recorded for my record. I also requested to verify my debt the first time they called and they refused saying there not a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been making car payments through XXXX. Its not posting anything and its been a year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit report shows a collection from Eastern Account Systems that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. They continuously update the account in a shady attempt to lower my credit score. This companies business practices need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation