milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: Bayview Loan Servicing a Debt Collector sent more than XXXX dunning letters and demands regarding an alleged debt that does not exist. Bayview is a debt collector that does not have prior consent to communicate with me. Bayview has also used several names and different account numbers regarding the same alleged illegal debt. Bayview must obtain verification from the original Creditor, 1692g ( a ), original loan level documents, additionally provide its own validation in compliance with the FDCPA. Verification must be sworn to under oath or affirmation as required. Bayview has been given ten days to comply. If failure to do so, Bayview 's alleged debt will be permanently barred and all expenses, costs, damages and fees will be billed.

Company response to consumer: Closed
Consumer complaint received 02-10-2018 about Mortgage (Other type of mortgage) with OLD REPUBLIC TITLE HOLDING COMPANY, INC (CA).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX CEO, please notice there must be a release of mortgage doc. from land or county recorders office. Please clear title see docs and all warrants are signed and more to come ... 
Hope you understand this is very important as someone mentioned that none of these other Companies have any right to sell or post anything on my door or trespass me and title.. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted Experian about incorrect payment history for my XXXX XXXX account, which listed a 30 day late payment for XXXX 2016. I disputed this information as being incorrect and even offered to provide documentation to show that payments have never been missed and that this is an error with their system or with XXXX XXXX however it needed to be fixed. I just received the dispute results that indicate that Experian somehow verified this information to be correct however I just got off the phone with XXXX XXXX and they confirmed that there should be no lates in the system and that they did n't verify this information to be correct. Not sure what is going here but it needs to be fixed immediately.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I filed a dispute with the credit reporting agencies for a collection account that is fraudulently reporting on my credit report from Portfolio Recovery Associates ( PRA ). I have also filed a case with the Better Business Bureau and PRA has not yet resolved my issue. PRA is reporting on my credit reports as a Factoring Company account with which I have done business and this information is factually inaccurate. PRA previously claimed that they are not reporting as a Factoring Company, but I have several months of credit reports that prove my complaint. I have attached a copy of the BBB complaint that I submitted including the response from PRA that is blatantly false as well as five different copies of the credit reporting furnished from PRA showing their claim as a Factoring Company on my credit reports through XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Prepaid card (Payroll card) with CITIBANK, N.A. (OK).
Issue: Unauthorized transactions/trans. issues

Complaint: I used XXXX XXXX Visa Debit card and they took the {$72.00} saying it was pending though it was declined to XXXX. They will not put the money back for eight days so I can not use it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Unable to contact Equifax after learning that my data " may have been '' compromised to find out how to protect myself from identity theft and/or fraud. 

I have tried phone calls ( various numbers ) for the past two weeks but can not reach a person. I have tried to cancel my account by email, postal letter and phone to no avail. At the same time, I signed up for their " supposedly '' free identity theft and monitoring service www.trustedid.com but can not reach anyone or manage the new account as the website is " not available ''. 

Frustrated and concerned - Equifax is abusing its consumers and their management may be criminal in their conduct. Write your congressional representative!

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Payday loan debt) with Bliksum, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Debit collector called my boss at work and left a message and then proceeded to give him information about this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: XXXX XXXX, XXXX  and Experian are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.

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 03-08-2017 about Debt collection (Credit card) with Apex Resolution Group LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: For the past month I have been getting calls from all different numbers, but it 's always the same recording when I answer. They are claiming to be from Apex Resolution Group and stating that I am a person of interest and a lawsuit has been filed against me and to return their call asap. I called back several times, only to get a generic voicemail. I called back a different number yesterday ( one of the many that continuously call me ) and a man asnswered. He claims I owe over XXXX to XXXX and I 'm being sued. I did n't give any personal information because he already had it. My married name, my social, everything. That is startling. I know I had a debt with XXXX but it was settled and that was 9 years ago. So I told him this did n't sound right and he got angry and snarky with me saying he was sending someone to my job to serve me papers. When I told him I do n't work there anymore, he got even angrier and said he would send someone there anyways just to make sure.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: My home is a mobile home/doublewide trailer. When I signed a contract to purchase this home, I received a Truth in Lending stating that the home would be financed for 300 month = to 25 years. I received this document and others 45 days before closing. 
At the attorneys office as I was signing the contracts they provided a different Truth in Lending document with different terms = to a 30 year contract. I had no other choice but to sign this contract because I had broke my lease on my current rental property lived in at that time and had to have housing fast. I agreed to all the terms of the contract by signing. I wish that I had walked out of the closing attorneys office that very moment. Today I am having difficulty making the yearly tax payments. They clearly have stated over and over that they could not help me by refinancing. I have always paid the mortgage on time. Due to health issues I am unable to work. I moved out of this home in XXXX and rented the home out to cover the mortgage payment. I can not afford to pay the property taxes for XXXX. The home was auctioned off to the highest bidder. Ditech has paid the taxes and added that amount back to my payments, this makes it impossible for me to pay the amount that they asking this month. I want to keep this home and the tenants that live there. They suggested that I go up on the tenants rent. I can not go up on the rent because comparable mobile home rent in that area is around XXXX to XXXX a month. I would like to sell this property and pay Ditech off. I have tried many times to sell the property, it has run down over the years and needs many upgrades ( which I can not afford ). At this point Ditech is threating me with a RIGHT TO CURE DEFAULT. I have always paid the mortgage payment amount of XXXX and XXXX a month. 
{$500.00} is the stated amount per month. The overage I send covers insurance only. 
They state that they will not accept partial payments ... they will not accept XXXX per month. 
What can I do? I have no savings?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NV).
Issue: Fraud or scam

Complaint: Coinbase Inc may be a " conduit '' to credit card fraud. 
It allows account members to use stolen/fraudulent credit cards for transactions. 
In my case, Coinbase allowed one of its account members to conduct eight fraudulent credit card transactions within a few minutes totalling over {$400.00}. It could have been much more if I did not contact my credit card company. The first three transactions were small amounts ( i.e., {$1.00}, {$1.00}, {$1.00} ) and the next 4 transactions were in {$100.00} increments. 
Coinbase should have been aware that these transactions look very suspicious and should have suspended these activities with the account member. 
It is interesting that a company that deals with virtual/digital currency ( Bitcoin ) allows its account members to use " real '' money to conduct fraudulent transactions ( buying Bitcoins with stolen/fraudulent credit cards ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( XXXX, XXXX, and TransUnion ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.

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 06/17/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Problems when you are unable to pay

Complaint: I 'm very aware of the FDCPA- I understand that I have a responsibility to pay my debt. Yet my creditor should never harass me. On multiple times have I gotten a text message, email an voice mail all in the same day. I 've spoken with them about there practices, they seem to think they within the law which allows them to call me three times in a day. One day I spoke with a rep, told him how unhappy I was with the aggressive attempt. I disconnect the call, he followed with an email subject " Thanks for hanging up on me ''. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax got hacked and now sites such as XXXX XXXX XXXXXXXX are telling me my identity and credit information could have been compromised as part of the hack/breach. This creates unnecessary anxiety, worry for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: I have been attempting to refinance my 1st position mortgage with Chase XXXX formerly Washington Mutual XXXX since XXXX of XXXX. Chase has been NON-responsive and refuses to remove an old lien item # XXXX on the preliminary title report that I DO NOT OWE them. 

Chase XXXX formerly WAMU XXXX gave me a Home Equity line of credit ( HELOC ) in the amount of {$95000.00} on XXXX XXXX, XXXX, as indicated on the attached title report. They then increased the SAME HELOC to {$420000.00} on XXXX XXXX, XXXX as indicated on the title report as item # XXXX. WAMU failed to REMOVE the original HELOC, item # XXXX on XXXX XXXX, XXXX. 

Now I am attempting to refinance and Chase is refusing to remove item # XXXX because both items # XXXX and XXXX ( XXXX recordings ) contain in their records the same loan number. Chase is afraid if the remove item # XXXX it will also clear item # XXXX. I do not owe on item # XXXX. I only owe on item # XXXX. 

Attached is my current loan of {$420000.00} and the preliminary tile report. Please let me know if you need additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Student loan (Private student loan) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a letter from the law firm of XXXX, XXXX, and XXXX, XXXX today XXXX/XXXX/XXXX. 
I called them and told them I would love to repay the citizens bank student loan and was doing so to another law firm XXXX made small monthly payments until I pass my board exam and able to have a job and pay the entire amount ) but what has happened is my phone broke and I missed a payment because I couldnt locate the loan info for the previous law firm and my account got transferred from the previous law firm to them. I told XXXX, XXXX, and XXXX that I can not pay the entire {$14000.00} because I am a still a XXXX a full time mom to XXXX XXXX now, I just had a XXXX XXXX XXXX XXXX I told them I needed assistance in repayment where the paralegal speaking to me didnt want to hear anything I had say instead was very rude and mentioned over and over that he is citizens banks lawyers not mine and hes not concerned with my difficulties and I had no options for repayment except to pay the entire amount. I was baffled and confused by the rude tone and arrogance of this person, he kept saying we are moving forward in court to intimadate me and I called my lawyer where I was made aware than that kind of communication coming from the law firm of XXXX, XXXX, and XXXX was absolutely unacceptable. Also the information about my loan was inaccurate and when I asked about my loan balance it was also incorrect and it seems like they are charging me extra. Not only was this law firms representative extremely unknowledgeable about the loan, but rude and arrogant and proceeded with harassing me by threatening to move forward and get my co signer involved and more. I request that this law firm company no longer contacts me and takes courses on communication, customer service, and stops giving out inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (NY).
Issue: Confusing or missing disclosures

Complaint: Equifax is offering the credit monitoring due to their negligence. I went to the site to register and I am uncomfortable re-submitting very delicate information that they already have. I went through their first step of checking whether my information has bee compromised - and it has been, in addition to my XXXX  adult children and my husband 's info. 

Should n't they just be offering this monitoring without citizens having to re-submit the information they have? I am not comfortable putting all that information into their " fix '' website. 

This has effected half the country. They need to be arrested and those that are left need to step up and fix this ASAP. 

Please review this. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have notice per credit report that XXXX reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.

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 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation