milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In Summer of XXXX I had fraudulent charges on a Citibank Visa credit card. The charges were dropped by Citibank all but {$2.00} that were left on my account. I was charged late fees for charges Citibank said I did not owe on. Multiple phone calls were placed and received, concluding that I was fine and no further action would be taken. Six months later I received a call from collections asking for roughly {$65.00} owed to Citibank. I explained the story and they sent the charges back to Citibank where I attempted to resolve the issue further. Upon purchasing my condo in XX/XX/XXXX, I realized my credit score took a hit for being 120+ weeks delinquent for a {$2.00} write-off. This has directly affected my interest rate on my property and other purchases that I can not get approved on. I have exhausted all angles to resolve the issue with Citibank. They have made it impossible to reach a department that can make this right. I 've had credit cards for over 10 years and have never been delinquent on payments.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are XXXX collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX 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 10/15/2015 about Mortgage (Conventional fixed mortgage) with Envoy Mortgage Ltd. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I live in a condo building and every year my mortgage provider XXXX Envoy Mortgage XXXX sends me a letter that says I have to provide evidence of my condo buildings master homeowners insurance policy. The first year I found the letter oddly worded so it was not obvious to me what they needed me to do but now know they need something from my condo association. But this year, the very first letter they sent said they had already purchased coverage on my behalf with little information on why or for how much. When I called the customer service line to try to figure out what was going on I realized it was the usual request for proof of master policy coverage and I explained I did n't understand why I am being sent a threatening letter saying they purchased insurance on my behalf. The woman on the phone kept saying that the letter was CFPB approved but also confirmed this was the first request letter. I told her the letter may be CFPB approved to send at some point but it makes no sense to send me a threatening letter saying they bought coverage on my behalf without even requesting proof of coverage, that I have to request from my condo board. I also said that CFPB likely approved the letter to be sent in specific circumstances and I really doubt that the first request for proof of coverage was XXXX of them. By the end she did seem to get that the aggressively worded letter was not appropriate and said she was going to research this. However, since every year this process is way more difficult and time consuming than it needs to be I would really like someone to confirm that the letters they are sending are approved. I find them not particularly straight-forward with what they need since I also have a personal home owners policy and, most recently, unnecessarily threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: report  XXXX  received Sat  XXXX / XXXX /   2017  remains incorrect. Some issues rectified others not.  XXXX  shows a negative when account is still in good standing and they CONFIRM balloon included in balance due. They continue to show a North Carolina  XXXX   XXXX  when we have never lived, conducted business or know of any relatives in North Carolina. There is a " State Legislative Freeze '' but no explanation and np mention of the security freeze? Attempts to reach them have come up empty! They do not allow a dispute! Numerous non authorized inquiries and they force you to notify some of them who made the inquiries before processing. They offer a free account but then they state it can not be processed. In my opinion they have serious reporting issues all of which create serious financial hardships and burdens for us as witnessed by the number of complaints posted and closed by you which are still unresolved.

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 08/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: After seeing coinbase.com on XXXX, I decided to buy bitcoin, ethereum and litecoin.
At the moment, I should have Bitcoin : approx XXXX coins Ethereum : XXXX coins Litecoin : XXXX coins On XXXX XXXX  2017, my coinbase account requested my user name and password to log in. After I provided, the message came up to go to support and provide my ID and proof of address. I uploaded my drivers license and sent it to them.
I received a message that " support @ coinbase is no longer enabled ''.
I opened a case with their online support. Case # XXXX.
A few hours later, I received a response " We will follow-up with you as soon as we have an update. '' As of today, I have n't received a resolution or response.
I see several other unhappy customers that are in my position. How can a company run their business without timely customer support? How can they still continue advertising and generating new clients with out rectifying the issues with their previous clients.
I suspect that this is a billion dollar ponzi scheme!
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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 disputed account number  XXXX , from  XXXX   XXXX , with Experian asking to honor the agreement between  XXXX  and I, which was to have the account  XXXX , from  XXXX , removed from my credit file. After mailing the letter with the terms listed, cashed check with the terms LISTED ON IT if cashed, and the certified receipt with who signed for the letter and check, Experian just updated the account. I feel my rights was abrogated and not upheld by Experian, even after sending proof! I would upload the letter, cashed check, and who signed for these items below. I will also upload the certified receipt that Experian signed for on  XXXX   XXXX ,   XXXX   when i initiated the dispute.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GLA Collection Company, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had XXXX XXXX XXXX XX/XX/XXXX at XXXX 's XXXX 's XXXX XXXX in XXXX, Kentucky. My XXXX was approved for this XXXX and I called XXXX to let them know I had received a letter showing my acceptance. I also took the letter to XXXX financial office for them to make a copy. In XX/XX/XXXX I looked at my credit report and found I had 2 accounts from XXXX for non-payment. One was from XX/XX/XXXX in the amount of {$3700.00} from XX/XX/XXXX. The other was from XX/XX/XXXX in the amount of {$520.00} from XXXX XXXX XXXX for my son, who was covered by XXXX at the time of these tests. I contacted the local XXXX office to discuss the account not being paid. The XXXX office printed out paperwork for me to show XXXX of our coverage for these charges. When I took the paperwork to XXXX financial office, they told me XXXX would not pay them because it had been over a year. I returned a couple times and was told there was nothing they could do. I sent my information to XXXX, XXXX, and XXXX. No response from XXXX, XXXX said nothing could be done, and XXXX returned my envelope unopened. I have tried many times to get this settled, but have had no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I made a payment of {$300.00} that wasnt accepted do to wrong information on my behalf, I wasnt aware of it until the XX/XX/XXXX payment. When XX/XX/XXXX came around my payment was considered late with late charges. My account was closed due to those situations. I accepted the account being closed, the problem is I wasnt aware til later about the information this negative remark is holding me back from closing on a house. They are not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed an account and requested verification of the following account that Transunion has re-listed on my credit file : US Bankruptcy Court XXXX GA # XXXX ;. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification. 

On my dispute submitted XX/XX/XXXX, and XX/XX/XXXX, Transunion has yet to verify this account. However, interesting enough, they have stated they verified the account. 
Since Transunion states they use XXXX XXXX as the source they obtained the information, I called XXXX and the agent I spoke with advised me that my security freeze was confirmed and set into place. She also told me that there is NO inquiry from Transuion or mode of verification from XXXX XXXX to Transunion showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported. 

I demand that this public record US Bankruptcy Court XXXX GA # XXXX is removed due to lack of verification and inaccurate reporting of verification! XXXX XXXX agents assured me that Transunion 's so-called " verification '' WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT. 

I demand that this unverified account : US Bankruptcy Court XXXX GA # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I would like to note that XXXX has deleted this unverified account from my report because they stated they falsely verified this account. Although these are XXXX companies are different I suspect the same results when a creditor has reported false 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 09/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am making formal complaint against TransUnion and XXXX Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into XXXX and TransUnion Reporting Agencies and also XXXX XXXX Bank.

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 07-05-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Amsher Collection Services has reported a debt by XXXX to XXXX with out Debt Verfication

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: 1. PHH Mortgage ( XXXX, NJ, XXXX ) recently took over my Mortgage / Servicing. 
2. PHH has taken a flurry of actions ignoring the documents I have submitted so far. Specifically : a. Increased my need for Flood insurance unilaterallyb. Purchased additional insurance on my behalfc. Initiated an ESCROW account3. All the above without giving me due notice. All the while ignoring all my communications with them ( email, mail, customer service phone calls ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Mortgage debt) with Caliber Home Loans, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  Transferred Ch.  XXXX  filing originally filed in  XXXX   XXXX  from  XXXX , Ga  (   XXXX  &  XXXX   )  to  XXXX , Fl (   XXXX   XXXX   ) . [ The balance transferred was {$4.00}, 200 ]   XXXX  Received a notice that Mortgage transferred from   XXXX   XXXX   XXXX    t o  Caliber Home Lo ans.      XXXX  Represented by the  XXXX   XXXX   XXXX  who REFUSED  to pr ovide me with a creditor list and amounts. Was told that the bankruptcy process is too complex for me to understand and I must pay what they tell me  ( withou t them providing me with a detailed summary ).      XXXX  Terminated my relationship  XXXX   XXXX  ( approved by  XXXX   XXXX   XXXX .      XXXX  Received detailed claim from the  Trustee  's office. The detailed list reflects Caliber with a total claim of {$77000.0 0} ( {$60000.00}, {$12000.00}, {$4300.00} ).       XXXX  Requested support fro m Caliber   (   XXXX   XXXX   XXXX   XXXX   ) since NO d ocuments were filed to support the {$77000.00} claim.      XXXX  Received a proof of claim in the form of a loan modification document with an as of date of  XXXX / XXXX / XXXX , but, still NOTHING to support the {$77000.00} claim.      XXXX  Court hearing to review creditor claims, focus on this claim fo  XXXX   XXXX   XXXX   XXXX   XXXX    ( Caliber Home Loan ). No document on file to support the {$77000.00} claim. Ordered by    XXXX   XXXX  to obtain support for the claim so that the {$77.00},    XXXX    can either be paid or dismissed for this bankruptcy ( next court date  XXXX   XXXX ,  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit line increase/decrease

Complaint: My credit amount was lowered without proper notification and valid reasoning. I called Synchrony Bank and spoke to XXXX different people and no one at Synchrony Bank could give me a valid reason for doing so. I believe Synchrony Bank is violating my consumer rights and the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 08/22/2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (PA).
Issue: Shopping for a loan or lease

Complaint: I have XXXX inquiries from Ford showing up on my XXXX credit report for the same lease and there should only be XXXX from XXXX ford In XXXX Pa.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Other

Complaint: I have sent numerous letters with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is reporting an old large balance for years and it needs to be fixed or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Debt collection (Auto) with Riverwalk Financial Corporation (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On the date of XX/XX/XXXX, I sent XXXX XXXX XXXX certified mailing requesting validation under FDCPA, XXXX XXXX XXXX Sec. XXXX XXXX b ) of a debt they bought from XXXX XXXX. 

Documents I requested included Letter of Sale or Assignment from the original creditor to XXXX and proof of licensing to collect on a debt in the state of Alabama, and requested that the debt be labeled as " disputed '' with each of the credit bureaus being reported to, all of which the company failed to provide and do in their responding mailing to me. 

Before reaching out to XXXX XXXX XXXX, I found the Secretary of XXXX has the company listed as " Dissolved '' as of XX/XX/XXXX, making it illegal to due business in the state of Alabama. 

Upon contacting the company, I was informed by a representative, who placed me on hold to speak with his XXXX, that they in fact did not have to provide me with a XXXX of XXXX or XXXX, nor their licensing status.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: FAILED TO VALIDATE SAID DEBT ALONG WITH CONTACTING MY FAMILY MEMBER XXXX XXXX IN VIOLATION OF FCRA, FDCPA AND TCPA.

Company response to consumer: Closed with explanation