milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX has refused to investigate my dispute and refused to provide me evidence to support their claim to refuse to remove a collection claim in my name despite proving to them that I took the company to court where the judge point blank told the woman to stop harassing me, treat her customers right and to remove all remarks on all XXXX credit bureaus reports.Despite me providing EQUIFAX a copy of the woman 's own written statement that she has informed them to remove collection account from my name, EQUIFAX continues for the third year in the row to refuse to remove the account. What does it take for EQUIFAX to follow the law and remove false reporting in my name? All they say that they have " investigated it " but refuse to provide me any type of evidence and documents, and completely ignore the written statement from the woman behind the claim to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive any communication about this collection. In my call with insurance and hospital regarding the claim, Insurance agreed that it is non hospitalization claim and agreed to pay. But did not pay. I was not aware of this and did not get any bills thereafter. The treatment happened in XX/XX/XXXX and I collection came into credit report in XX/XX/XXXX. It is only for {$180.00}. I paid once I came to know about the collection. I was informed that collection will be removed from 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 02-01-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Sunday morning XX/XX/XXXX Coin Base website  would not accept my 2FA. I followed the guidelines and submitted front and back of drivers license and a vitural shotnof me holding my license. They already have this on file. Sunday afternoon I hear nothing. I then learned Coinbase is the one with the problem on there end with their 2FA system not working. Finally Sunday night I finally emailed  customer service ( no phone number) and advised them they had $XXXXOf my money that they have locked me out of. She said she sent  she would sent it to a specialist. This is Thursday and I still cannot get into my account to retrieve my money. This should be a crime at what these people are doing. I have no idea if they even have my money or have I been robbed or scammed?  They have done nothing to help me. Please can you help me get my account unlocked and my money back?Warm regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Been trying to get " Account in Dispute '' removed from my credit report for more than six months with no luck

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 07-12-2015 about Credit reporting () with ENCORE CAPITAL GROUP INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Midland Funding , LLC a collection company is listed on both XXXX and XXXX credit bureaus as a collection account for XXXX dating back to 1999. The original creditor was XXXX with whom I had the telephone account. XXXX was not able to provide documentation as to why I owed on this account. I had XXXX phone service for many years and always paid for my phone service. I could pay this and make it go away but I do n't think it is fair that they are pursuing collection activity for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I called Navient over a year ago about how to lower my loan payments and apply for loan forgiveness ( because I 've been a XXXX for over 10 years ), Navient 's agent admonished me and ridiculed me for the poor financial decision I made 15 years ago to consolidate my loans. The agent left me on the phone with discouragement and helplessness, and the implication that I should not pursue any financial relief from an overburdening student loan. I then come to learn from widely reported news accounts that Navient was directing students to more expensive financial loan alternatives instead of dealing in good faith. In the news accounts it said that " ... Navient employees, instead, should have steered borrowers to White House-promoted plans that could 've allowed XXXX interest payments based on earning and eventually debt forgiveness, officials said. '' This made me think that the reason the Navient agent left me unresolved was because I was already in a payment plan that they did not want me to change out of.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: APR or interest rate

Complaint: Our Costco card was transferred from XXXX to Citibank, all communication to us was that it should be 'seamless '. The card went active on XXXX and the first time I signed in to set up the account was XXXX ... only to find out that our due date for our first bill had already passed, no notification ... nothing! They transferred my account transactions, but my autopay that I had set up was not transferred. I immediately paid the full balance ( before the next statement came out ) and when I received my statement there was an interest charge of {$12.00}. I called their customer service and asked for it to be removed, but they stated that it could not be done. I asked how I could ensure that no further interest charges could happen, and they tried to double talk me about average daily balance, etc. They obviously did not want to provide me clarity as to simply ensure that I will not get any more interest changes. I went online to pay any remaining charges off ( and then some to ensure that I would not get hit with interest on any pending charges ) and their system would only let me pay what for what was posted. So based on the reps description, I need to sign in every day now to pay the posted balance so there is no average daily balance ... and stop using the card until it is at {$0.00}. This is insanity. Either my autopay that was set up with XXXX should have worked, or Citi should have transferred that information over. Costco chose to change companies that it worked with ( to seemingly a horrible company in Citi if their customer service is any indication ), and it ended up negatively impacting me as a customer. An unbelievable unfair practice ... I pay attention to my finances, I 'm sure that there are many others who are more laissez-faire who are getting negatively impacted without notice.

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 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid XXXX to XXXX. This has caused me to receive a lot of late payments to XXXX. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to XXXX in XX/XX/XXXX. I worked for XXXX since XX/XX/XXXX. You will also see a copy of my credit score before it dropped, and emails to XXXX XXXX XXXX. In the emails you will see that I was trying to correct this error.

Company public response: Company chooses not to provide a public response
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 Caliber Home Loans, Inc. (AZ).
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 had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by Caliber Home Loans, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both XXXX XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or Caliber Home loans since 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: online not seeing how last payment posted, told then I was afraid to send next payment until I know where my money went. they just say researching. 
balance not going down it was originally XXXX, conventional fixed rate loan in 2005, now they say interest bearing. Something not right. principle basically stays the same. When I send " extra '' in the " get caught up '' they always have some fee that eats up my unapplied balance. right now at XXXX but over XXXX disappeared since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: When I called Bank  Of America to d ispute  one of  the charge on my account, the lady nam e   XXXX   XXXX  ??? ( She told me she does not have working ID, I ask to speak to a super adviser then she told me she is the SUPER ADVISER  ) told me there are   XXXX   transactions  XXXX  on  XXXX   XXXX  for {$780.00} another   XXXX   on  XXXX   XXXX  {$21.00}. I told her I did not authorize the current  XXXX  which is {$780.00}. But she told me she can only dispute   XXXX   on  XXXX   XXXX  {$21.00}. She said " Let me explain to you how dispute works, since you did not authorize this service, we have to only dispute the   XXXX   XXXX   ''. I told her the   XXXX   XXXX     on  XXXX   XXXX  only {$21.00} I do not care about that one. Then I told her double times again " I did not authorize current   XXXX   on  XXXX   XXXX  {$780.00} ''. Her answer is unacceptable : '' No sir, you do not know how dispute works, I know {$780.00} is a big benefit for you, but I can only dispute the one on  XXXX   XXXX  {$21.00} " Seriously Bank  Of America, it is benefit you, not benefit the customer who deposit their money in your Bank ( Do not forget customers pu t the money then you use the money to grow your business ). WHAT A  FRUD  BANK,  XXXX  A BIG JOKE. BASICALLY, YOU CAN DEPOSIT MONEY IN BANK OF  AMERICA  ANYTIME, BUT WHEN YOUR MONEY GONE FROM YOU ACCOUNT WITHOUT YOUR AUTHORIZATION THEN BANK  OF AMERICA NOT BE RESPONSIBLE FOR THAT. IF THEY DO THEY WANT TO CONTROL ONLY BENEFIT BANK OF AMERICA NO T THE CUSTOMERS. THIS IS HORRIBLE SERVICE AND THEY ARE MISTREATING THEIR CUSTOMERS. ALSO I AM A FOREIGNER, SO BANK O F AMERICA VERY    XXXX   TO TREAT A FOREIGNER PERSON!!!

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, Equifax and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed a lease with my daughter in 2015. I received a demand letter from the apartment and replied immediately asking for more information. They did not respond and sent the file to collections. Rent Recovery contacted me XX/XX/XXXX and started reporting the collection on my credit report even though I have communicated my position in email and on the phone. They refuse to review my argument and have told me that the apartment does not have to provide any proof of the damages. 

I do not feel I have any responsibility for the debt and my argument is documented in my XX/XX/XXXX email to Rent Recovery. Please review the attached emails.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report

Complaint: Bank of America has manipulated or misunderstands the original loan amount and origination date of my current home loan. My original loan amount was {$190000.00}, not XXXX. It, the loan was originated XX/XX/XXXX, Not XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home for a better interest rate. The original amount was {$41000.00} the annual percentage rate was lowered to 3.695 %, but I was charged {$12000.00}. The amount I am paying on now is {$53000.00}. I have excellent credit also. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have received XXXX calls at work from this lender after I asked them to stop calling me at work. The person responsible is XXXX XXXX at XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On the morning of  XXXX   XXXX , I noticed that there are several accounts reporting on my Experian credit report that are both inaccurate and not mine due to identity theft. yesterday I had to temporarily remove my freeze on my credit report so that I could accurately view my entire file. Prior to today, I have always been able to do this without lifting my security freeze, but for whatever reason was unable to do so this time because it stated my information did not match what was on file.     Upon my review, I noticed the following trade lines that are both inaccurate and not mine and would like to dispute them as fraud : 1.   XXXX   XXXX   XXXX   XXXX   Date Opened :  XXXX  Credit Limit : {$4000.00} Balance : {$4000.00} Last updated :  XXXX  Status : CLOSED 2.   XXXX   XXXX   XXXX   XXXX   Opened :  XXXX  Limit : {$5000.00} Balance : {$4900.00} Last Updated :  XXXX  Past due amount : {$190.00} Status : CLOSED 3.   XXXX   XXXX   XXXX   XXXX   Acct # : (  XXXX  ) ********* Date Opened :  XXXX  Limit : {$14000.00} Balance : {$17000.00} Last updated :  XXXX  Past due amount : {$3900.00} Status : Open All of these accounts, I have contacted the merchant o ver 20  times and subsequently filed  ( 5 )  CFPB complaints concerning these accounts were not reporting accurately and subsequently were also not mine due to identity theft. I have been told countless times that they would be removed. All (  XXXX  ) of these accounts have been removed from both my   XXXX   and   XXXX   credit files as of  XXXX  of   XXXX  . I am attaching my necessary documentation,  DL &  SS card for verification purposes.     Thank you for your help,  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As on all XXXX of my credit bureaus Toyota motor company has filed inaccurate information on me, they refuse to remove it but under by it 's very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue Toyota motor company for false inaccurate information. This needs to be done ASAP. This is a clear volition of the credit act, it was removed from all three bureaus and then placed back on again this again is a violation of the credit act as well

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My card was changed from an XXXX to a VISA and When it became a VISA XXXX sent me a bill saying that my new min payment was {$2200.00} ( 20 % of the amount owed ) which is substantially higher than what it always had been with XXXX approx 2.5 % of the amount owed. I paid at least the 2.5 % as I always have, then they proceeded to report late payments in XXXX and XXXX 2016 ruining my credit. This isnt right and they need to be held accountable. You cant just jack up a min payment from 2.5 % to over 20 % without any warning!!!! SEE ATTACHED DOC

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 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I noticed several inquiries that had been deleted reappear on my credit report and double report. I called transunion customer service and explained several inquiries are showing up on credit report that were gone. After she explained she could not help me i asked for a supervisor and after a long hold was disconnected.

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 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My Barclay credit card was used to make a fraudulent purchase at a XXXX XXXX store on XX/XX/XXXX. The charge was {$890.00} at the store in XXXX, MI. I live in Ohio, I was at work at the time and received a fraud alert. I immediately called Barclaycard and reported the fraud. I have since called them dozens of times to resolve the issue. The charge is currently still on my account accruing interest and fees. Barclaycard insisted I contact XXXX XXXX and file a police report. I have done both. XXXX XXXX was no help whatsoever.

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