milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/XXXX/Equifax credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XXXX/XXXX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXXEquifax has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know anything about this collection. 
I need more information.

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 12/21/2016 about Debt collection (Credit card) with Alliance Data Card Services (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Within 2 hours, I received XXXX phone calls in efforts to collect a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NY).
Issue: Managing the loan or lease

Complaint: My husband and I purchased a Jeep Wrangler XX/XX/XXXX with a auto loan from Chase Auto Finance. Due to the extreme financial times my husband and I filed for Bankruptcy XX/XX/XXXX. Our attorney requested several time a reaffirmation agreement from Chase but never received it, they said the mailed it and faxed it. When the bankruptcy was finalize there was not a reaffirmation agreement from Chase. We have made all our payments and received a letter from Chase saying that the loan was satisfied. Recently I was trying to clean up my credit reports and there were several items that were discharged in the filing which I spoke to and they notified the credit bureaus and the credit report was cleared. Chase had a note to the credit bureaus that there was a debt to Chase but it was closed. We asked them to remove this as it its considered a negative statement and affects my credit score. Chase refused to remove it even though they were paid in full. Though out the loan period Chase has been awful to work with as they never sent us any notice when the monthly payment was due since the beginning of the loan even though I requested it almost every month. 
Their position was that the loan was discharged in the bankruptcy filing because there was no reaffirmation agreement with them so they are under no obligation to accommodate us or notify the credit agencies that the comment should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX will not up date my account XXXX XXXX account to paid and XXXX  balance. I paid This account off.

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 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Got repeated calls over the years about an XXXX bill from XX/XX/1981 at my brother 's phone in XXXX, FL which used to be my old phone number. So I called them at XXXX. They claim I have a {$570.00} debt from a phone bill in XX/XX/1981 from XXXX. They have been calling me and my brother every day since then. They even call him at work. I have not seen any documentation or any bills from this company. Just keep getting repeated calls from out of the blue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making automatic direct payments to America 's Servicing Company for over eight years and recently discovered they 're not reporting my payments to the credit bureaus.

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 06-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I am being charged {$45.00} -XXXX per month in interest, after 0 %, on my credit card. When I called asking them to lower the 22.99 % interest rate, I was told that " there are no provisions for lowering the rate at present, you can check back at a later date " I have had my income drastically lowered & can not afford these exorbitant charges, is there something that can be done to help me? I have been unfailing in my repayments- always on time, ergo this company has denied even speaking with me about trying to find a way to help!

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Managing the loan or lease

Complaint: I have asked Chrysler capital/santander consumer for a copy of my contract lease with them for a copy of the list of fees that I will be charged and the payment history in which they have received from me! Send Chrysler capital refuses to send me any information regarding my payment history and extra fees they have been charging me and a copy of my contract lease with them! Particularly a gentleman named XXXX keeps lying saying that they 've sent the information I 've been waiting for months I have n't gotten XXXX document or anything else can you please help me get a contract copy and my payment history, contract, as well as any list of fees I shall be charged thank you. XXXX stated they can not send my contract certified mail to guarantee I got it he also stated they can not send my contract or Fees or payment history via email. Chrysler capital is withholding information from me so that they can overcharge me with fees!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Customer service / Customer relations

Complaint: I 've had a FIA XXXX Credit Card since XXXX. I set up the account so my monthly payment would automatically be debited each month from my checking acct. I paid of the balance in XXXX XXXX. In XXXX XXXX they debited my acct. for {$100.00} even though I had a " XXXX '' balance. I called they refunded my {$100.00}. On XXXX they again took {$100.00} from my acct. I called and spoke to XXXX different Customer Service personnel, who stated it would take XXXX6 business days before my money would be credited back to my acct. Because I had no idea they would debit my acct. for {$100.00} I have bills that will be returned for insufficient funds. No one I spoke to today would acknowledge the fact that they made the same error not once, but twice. The last supervisor I spoke to, her name was XXXX would not transfer me to her supervisor, she said she would have her call me within 48 hours. I would have appreciated someone having the courtesy to at least escalate this issue so the money would be placed back in my acct. in a more expeditious manner. They were not willing to assist me in any way and I think someone at FIA owes me the courtesy of replacing my money, since there is no mistake that they had no right to debit my acct. which has had a zero balance since XXXX, XXXX. I would greatly appreciate any assistance in escalating this matter. 
Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: I have money in my account and have not been able to get it out for going on about 2 months now. They took my money by letting me link a credit card, but they will not allow me to link a bank account. First - they made test deposits but then their app kept saying the amount I entered was not correct. Then I removed my bank account to start the process over, and have never received any more verification deposits. 

My money ( ~800 ) is stuck in Coinbase with no way for me to get it out ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Credit card) with ERC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Sent a certified letter to ERC on XXXX informing them of the Fair Debt Collection Practices Act, 15 USC 1692c, 805 ( c ) The letter was picked up on XXXX. Received another collection letter from them dated XXXX, in direct violation of above.

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 07/28/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit determination

Complaint: I applied for a Home Depot XXXX XXXX XXXX and was declined due to a Bankruptcy from XXXX. 
I spoke to several credit analysts at Citi, XXXX of which was a senior credit analyst who recommended that the application be approved. I was promised a call back with in 72 hours, of which I never received. It took me over 1 hour to get in though with someone from there credit department who was able to take a look at my application ( of which they spend XXXX seconds in and then to a manager who spent less that XXXX minute in ). I have other cards with Citi that I have now had for over 4 years that have XXXX lines. I have nearly XXXX in available credit. The manager said that my overall utilization was to high. According to my credit reports I am using less that 25 % of my available credit which is considered to be low utilization. 

I do not believe I was treated fairly. I believe the analysts seen that I had a BK and was simply done reviewing the application and giving it proper consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I am in the middle of a loan modification. My loan servicer asked me to send in a cashiers check for {$200.00} to cover the cost of the appraisal. The letter states " to send {$200.00} within 14 days of this letter ''. The letter was written XX/XX/2016 I did not receive the letter until just prior to the 14 day period. I contacted the servicer and was told it must be mailed within 14 days not received. I then mailed the certified funds immediately. The loan servicer then cashed the check, kept the funds and denied my appraisal since they did not receive the funds within 14 days, not what the letter said. Now they want me to refile and send another {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (I do not know) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been called at least three times a day for over a month. The caller usually hangs up. or transfers me to a machine that says to hang on for a representative who has 'important ' information for me. 
At this point someone demands that I verify my name. I then ask them who they are and what they want. Twice they 've hung up at that point. Once the caller said " I 've already told you who I am. Answer my question '. at which point I hang up. 
I have called one of their numbers and told them to stop calling. They continue to call anyway. 
On XX/XX/2016 I finally received a letter from them. It says I owe {$53.00}. But does not state whom the creditor is ; what it 's for ; or when this debt was supposedly incurred. It continues on to say they are 'scheduled ' to report it to the National Credit Agencys if this is not paid in an unspecified period of time. 
I have perfect credit. I do not believe this is my debt. 
In the unlikely chance that it is mine. It is beyond the statute of limitations. 
Regardless, they are harassing me on a daily basis and I want it stopped. 
Please note : i have already filed complaints against them with the FCC for harassing phone calls.

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 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ERC called me about a debt I owe for {$170.00}. I disputed and requested an itemized statement. They sent me a statement which shows I owed {$52.00} to XXXX XXXX. I called ERC and spoke to XXXX XXXX on XXXX @ XXXX and he was n't able to justify the billing amounts. He said let me get manager on the line and I spoke with XXXX XXXX @ XXXX. I asked him again why ERC is billing me for {$170.00} when the " itemized statement '' is showing only {$52.00} balance from XXXX. XXXX XXXX replied he does n't see what was sent to me and they do n't charge any interest or collection fees. I told them I wont pay {$170.00} if they can not justify the correct amount. The facts are not matching up so I informed them I will report this matter to the bureaus.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in XX/XX/XXXX. Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XX/XX/XXXX. It shows on the document from XXXX that the last date of payment is XX/XX/XXXX. I sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.

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 10/30/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a complaint against BLOOMINGDALES. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

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 10/28/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Around XX/XX/XXXX, I had called Citi to find out ways to settle my HELOC account. The account was past due for quite some time. The mortgage unit had told me a specific person would help me with my situation. XXXX of CitiMortgage had suggested a file a hardship application so they could assess my settlement offer/situation. I was denied around XX/XX/XXXX. I noticed they pulled my credit in XX/XX/XXXX, I consented to this request. No issue here. 

Very recently I noticed they pulled my credit twice in XX/XX/XXXX. That 's almost a year later after my hardship request had been denied. I never agreed to these hard pulls without my consent. I started paying Citi back and recently I paid the loan off. Throughout the whole time I was paying the account, I kept getting letters that someone in the hardship team was going to review my account. Once I was denied, I never filed another hardship request. The Citi team was a bit disorganized. I understand things fall through the cracks, but this was a bit annoying. Literally XXXX letters of the same information. What a waste of paper! I would like this account and credit pulls to be removed from my credit report. I never consented to these pulls! 

Appreciate the help! 

Thank you

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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from my credit file.

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 07/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Unfair lending practices, charging of erroneous fees, inflating balance over the years with the ending balance going up while making payments on time. I have complete documentation and a letter that is being sent to Navient regarding this situation that I would like to send. As it goes step by step.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (AR).
Issue: Credit decision / Underwriting

Complaint: I was in the process of purchasing a home with US Bank Mortgage since XXXX 2015. I received a preapproval letter and then an approval letter with the amount approved. I have emails and documents to prove the approvals. I had my credit ran and destroyed during this process by bank. I was told to let US Bank refinance my car, my credit cards and get a credit card to pay off the IRS from US Bank. I was told to pay for an appraisal on the house that I was purchasing. I got an inspection processed on the house, purchased new furniture, gave away my furniture that I had, due to the fact that everything was still a go with the bank loan. The bank asked for documents over and over for the same documents time after time, right up to the closing time and still said the loan was good. The bank at one point got an approval for an extension on the closing without me having to pay for it. All of a sudden on another closing time, supposedly, the loan was denied just out of the blue. I have emails of a conversation to support that the loan was good and supposedly due to the fact of my employment at a part-time job and credit inquiries, in which US Bank was the only one who ran my credit so many times. The bank has had all of my employment history from day one of this process. The bank was very unethical on their part and I would like this investigated. What a disgrace on the bank part to approve someone and then ruin their credit because I did everything the bank asked me to do and then some.

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