milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have challenged address on my report that doesnt belong to me and they have refused to take them off 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 non-monetary relief
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I 've been having issues with my XXXX. Coinbase had me start a new account in XXXX and I never got my BCH from the fork in my new account. I 've been trying to get a hold of support and they 've only sent out a blanket statement saying they are busy. 

Today, I try to log into my new account and it 's locked under XXXX again. I do n't have access to my XXXX XXXX app and I 'm stuck. No one is answering the phones and I 'm getting nervous about my money sitting in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The  Tax Lien  information is incorrect, The account is showing on   XXXX   and Transunion.   Transunion :  XXXX   XXXX   XXXX   XXXX  Docket #  XXXX   XXXX  : Tax lien filed on   XXXX   XXXX     Type Tax lien Court number  XXXX  Case number  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 01-06-2018 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This Debt collection company AFNI is trying to collect on a debt from XXXX and reporting it as a debt that went negative in XXXX. I have contacted XXXX XXXX XXXX XXXX and they have zero accounts with my name and social security number. I contacted XXXX XXXX XXXX home internet and they have XXXX accounts with my name and social security number. I contacted XXXX XXXX which is an affiliated service with XXXX XXXX XXXX and they have zero accounts with my name and social security number. Funny story, they do have and account from XXXX that was opened with my name and zip code XXXX. Not even my social, a phone number that has been registered to a dog groomers since XXXX. I have fixed the issue with XXXX XXXX, they gave me a confirmation number of XXXX. Told me dispute it with my credit bureau and the collection agency will be forced to drop it. I disputed it, and they out and out lied. Not only are they reporting this as current but reported it was active. This is n't the first time a debt collector does n't update their facts, they just make up their own story to fit this. It is not fair for me to be responsible for something there is no contract or anything for. Its a service that you open with a name and address that is n't even mine with a phone number that was n't even mine. This was very very evident with XXXX XXXX customer services, as well as they said i have zero accounts in collections. Just my name and a zip ode i never lived in. They should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I recently received a notice from my mortgage loan servicer Carrington Mortgage Services indicating the only way to make my mortgage payment without paying a payment fee is to sign up for automatic payments. If consumers fail to sign up for automatic payments they will be charged up to 20USD to use any other payment methods ( I.e. Online, pay by phone, customer service representative ). This does not appear to be legal and I would like to understand if this is required. It appears to be required for all consumers no matter their account standing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery is continuously reporting a debt that do not belong to me. I have contacted Portfolio requesting them to verify the debt with my signature. Portfolio Recovery refused to provide proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. XXXX bought loan XXXX 2016. also, there was a three month payment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with Frost-Arnett Company (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was involved in a auto accident in 2015 where I was hit by a impaired driver.During the lawsuit I had to get Medical treatment from different doctors, and after we came to a settlement, my attorney advised me that all my medical bills before and after my accident needed to be paid and the 2 accounts that XXXX XXXX have has already been paid via my attorney @ XXXX and XXXX in XXXX FL. Whatever my insurance did n't cover the insurance money covered.Company needs to investigate and remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (I do not know) with Acquired Assets, Ltd. (WV).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have no idea what this {$67.00} dollar debt is? But if I owe it they need to get ahold of me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Sallie Mae, pulled my co-signer 's credit report without authorization. They did this to pressure my co-signer into a payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with Vital Solutions, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I kept getting call from XXXX XXXX. I have NO debt of any kind whatsoever and a credit rating of XXXX. I have blocked their number but they continue to call and leave the same canned voicemail message. This is harassment and must stop. I received the latest call at XXXX today, X/XX/2018 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter was attending the XXXX XXXX XXXX but they were closing there doors and only offering online classes to students for them to finish off in order to receive their degrees. We were not informed about the situation when she first started there. They then told us that she could transfer to the XXXX campus seeing as she would have difficulty with the online courses with her XXXX which are documented and were turned in. I informed them that she had doctors appointments and testing that needed to be done for her medications and asked if the following semester would be better. They told me no that it would be fine for her to start that semester it would be no problem at all. As it turns out, they said she missed to much time and kicked her out. they advised us that she could n't come back until she paid for that semester in which was already paid by fasfa and direct plus. We have talked the companies that hold the but nothing has been done so far and they keep wanting us to make payments. She has had to enroll at another college in order to continue her education that works with her XXXX, but her pell and other grants have been reduced due to all of this and XXXX was giving her classes that she was n't prepared for due to requisites not being followed or classes she did n't need. I feel that we should n't be penalized for the time she spent at 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 02-06-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in XXXX days.

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 11-01-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Closing on a mortgage

Complaint: Hello. In XXXX XXXX my property was refinanced and appraised for {$130000.00}. Mortgage company XXXX XXXX Mortgage XXXX. 

Now, I 'm going to sell the property and find out the property is worth $ XXXX. The property values in the area went up / remained steady since XXXX. I think the appraisal was inflated to get the refinance through. 

What recourse do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Charged wrong amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Closing/Cancelling account

Complaint: I have been Chase Visa card holder since XXXX. I have not used the card since XXXX XXXX. I was notified in XXXX of XXXX that the credit card account will be closed for non-use. I contacted Chase and spoke to XXXX people, XXXX being a supervisor. I was told that my file was reviewed in XXXX and XXXX of XXXX, before the decision to close the account was made. I indicated that I was never contacted about my file being reviewed and had I been made aware of this, I would have begun using my credit card regularly. The initial agent I spoke to stated that typically card holders are notified when their account is being reviewed. However, when I asked for proof ( copies of correspondence ), none could be found and the only subsequent correspondence I received, referenced the initial letter sent in XXXX. The most disturbing part of this whole experience, is that I was informed that if I wanted a Chase Visa card, I could apply for a new XXXX after the existing card was closed. This card is in my name alone and not connected to my spouse in anyway. It 's an important part of my credit rating, since I 've had it since XXXX and it has a high credit limit. I understand that Chase has a right to cancel my account. What I object to is the manner in which they did it. They never notified me or gave me an opportunity to correct the situation. Something you 'd expect, if you were a card holder for 38 years. Further, their suggestions of applying for a new credit card with them, smacks of bad business and dishonesty. A hard lesson learned, but hopefully someone else will benefit from my experience. Be careful who you choose to do business with. A bigger named bank or financial institution does not necessarily equate to better service or loyalty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, 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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a XXXX XXXX XXXX aka XXXX XXXX   XXXX. On XX/XX/2018 I logged on their website and requesting a credit line increase. While I was completing the form on their website. which is XXXX there was an option just under the annual income field that states " by selecting this check box, I am allowing the bank to access my credit report, if necessary. '' I made certain that I did not check that box and i did not. 

Well on XX/XX/2018 I get an email alert from Experian stating that something changed on my credit file. I logged on and according to Experian it was a hard inquiry from XXXX XXXX  for new credit. I did not authorized XXXX to pull my credit. I called Experian to dispute the inquiry but Experian referred me back to XXXX. I called XXXX and that stated I must submit a written request and that they have 90 days to respond. I found that to be absurd. So I decided to submit a complaint through CFPB. 

Also Experian would not take my complaint at all even though after I logged in to their site ( i have credit monitoring service with them ) and attempted to submit the dispute online their website directed me to call to submit disputes about credit inquiries. After waiting 30 minutes on the phone their rep stated they do not dispute take credit inquiries and i must dispute though the company directly. I found that odd and i asked 2 times just for clarification

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 05/23/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Struggling to pay mortgage

Complaint: I was behind on my mortgage due to financial struggles in my small business.   in   XXXX   XXXX   started to try to work with bank of America to file for a hardship loan. the process was starting out ok but as the process continued time had pasted with no feedback.So I contacted them to find out they wanted more info from me. Which I provided. never contacted me by phone again finally get a letter stating if I do n't contact them soon the forecloser process will continue and I will loose my  home.Contacted t hem again gave them more info they needed still no call back.I called about  XX/XX/XXXX  they again want more info and had questions.   At this point I 'm very concerned I 'm going to loose my home. I run my own small business and do n't have time to keep following up on something they should be following up on.   Please help me stay in my home and get my mortgage back up to date.   At this time my loan has now gone in default 8 months because bank Of America told me " not to make payments they will not be applied to my loan '' This similar experience happened in  XXXX  when Bank Of America " without my consent '' payed  2  past years and escowed 1 year of taxes then wanted all the money back. So to resolve it I had to put my home into foreclosure and apply for a hardship loan.   I was forced into that situation before that I was never late on my loan.It also continued to cause trouble getting mone for my business because it made my  credit score  drop very bad. and now once again this situation is causing my score to drop.

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 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I believe my credit card was used with out my permission. I have never used my credit card. There are over 25k in charges that I did not make. I do not want my card closed however. I just want the charges erased from my balance sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Attempted to refinance. had conflicting information and a manager explained discrepency but put through a request to settle and stated she would call me back. much back and forth, many promises, gave a settlement but refused to offer any proof of it, verbal words only which new lender could not act upon. Took two months and many times of me calling back because i did not get call backs. Told that late fees and credit reporting would be take care of per them. more missed callback and failed communication. From XX/XX/XXXX to XX/XX/XXXX and payments made BUT applied to principal. Despite my stressing a sense of urgency every 2-3 day promise was more then a week and I ended up having to call back. DID respond via email to my new lender stating they would look into accommodating their request and get back in 2-3 days which they never did, nor did they respond to followup messages. New lender did not process anything due to their failure to respond w/o entire offer finally fell apart. Chrysler then offered a two month payment waiver to eliminate need to back-pay the time this was being negotiated, but failed to send paperwork to do, also promised would look into waiving insurance for that period and get a manager to contact me back in two days. Which again did not happen and when i called back was told they had decided to decline sending the exception after all. Chrysler is refusing to do anything to make good on their issues and is listing me as past due with late charges. My XXXX credit score is also now XXXX which leaves me unable to have any further loans and also impacts my small business credit score as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I realized in XX/XX/XXXX that AFNI, Inc. had reported information to the 3 credit bureaus that I owed {$940.00} for a debt to XXXX XXXX XXXX. I requested validation of the debt onXX/XX/XXXX. I received some documents in the mail from AFNI , Inc. in regards to  the alledged account. I also contacted XXXX XXXX XXXX regarding this account and they told me that they had no record of this account and that I would have to speak with the collection agency that is reporting on all three Credit Reporting Agencies. I am very concerned about fraud as I have no knowledge of this account nor no knowledge of the phone number listed on the alledged account. I have had the same phone number since XX/XX/XXXX -- which happens to be very smiliar to one of the phone numbers on the " bills '' that were sent to me " validating '' the account -- alledgely from XXXX XXXX XXXX. It is obvious that something was suspicious about this account because there were only 3 bills, two stating that my balance was {$940.00} and the last one had no charges on it.AFNI, Inc. did not provide me proof that I signed an agreement with XXXX XXXX XXXX or that XXXX XXXX XXXX can show proof that I had an account with them. I have no proof to say that this is not my account -- how could I when I have NEVER had this phone number, I have no idea where this account came from and XXXX XXXX XXXX has no record of this account? <P/>I reached out to AFNI, Inc. on the following dates via email :XX/XX/XXXX -- Request to validate debt -- no responseXX/XX/XXXX -- Second Request -- no response XX/XX/XXXX -- in response to AFNI , Inc. 's response that there would be an investigation XX/XX/XXXX -- Request for status update since it had been 30 days -- no responseXX/XX/XXXX -- Request for status update -- no response XX/XX/XXXX -- received a response in the mail. AFNI,  Inc. sent me 3 alleged bills from XXXX XXXX XXXX. Two had a balance of {$940.00} with various charges and the third had no charges. How does a billing cycle go from new account {$0.00} balance to {$940.00} in charges in two months for phone service and then no charges? This is fraud. XX/XX/XXXX -- Request to remove account from Credit Bureaus since there was no proof of debt XX/XX/XXXX -- Request to remove accounts -- no response XX/XX/XXXX -- Request for response to remove accounts -- no responseXX/XX/XXXX -- Request for response to remove accounts -- no response XX/XX/XXXX -- Request for response to remove accounts -- no response

Company response to consumer: Closed with explanation