milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.I am totally XXXX that I have negative information noted below in my credit profile due to its damaging effects on my good credit standing.XXXX Account XXXX I never received any late notification on this account. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Disputing a listing with the Original Creditor There is no doubt I am aware, credit reporting laws ensure that bureaus report only accurate credit information. 
No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX which was highly embarrassing and has negatively impacted my lifestyle. XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] With the proof I 'm attaching to this letter, I 'm sure you 'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.

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 12-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IN).
Issue: Closing/Cancelling account

Complaint: This complain is a follow up to the response from the American Express since the response raised further question. The original case # is : XXXX. 

Why is the conversion limited to Blue Cash Everyday? Why ca n't I convert the discontinued card to Blue Cash or Blue Cash Preferred? 

The response raised further question. Because American Express purposely delays the rewards unlike other credit card issuers ( 1 month behind giving the earned rewards ), there is an issue if I would not let the conversion goes through. If I cancel the card and apply for the Blue Cash today as it stated on the response, I have to forfeit two months ( XX/XX/XXXX and XX/XX/XXXX since my statement date is on XX/XX/XXXX ) of what I righteously earned. Due to the discontinuation of the card, can you accelerate the rewards so that I can close this Cash Rebate card after I redeem both XX/XX/XXXX and XX/XX/XXXX cashbacks within this month, and apply for the Blue Cash within this month? I just do n't understand why I 'm being penalized for the American Express 's decision on this forced conversion.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I wrote a letter on XXXX XXXX 2017 to all three credit report agencies. Then I did n't receive anything back from them. So I decide to check the status of my credit report still the same account is still say it delinquent when I paid thru XXXX cancelation of debt form I receive from Bank of America. I call Bank of America and they said that they are working on it since XX/XX/XXXXI have not received update from them it seem they are not listening to me. I am trying to purchase a home and the underwriter will not process the loan until this get resolve.

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 01/26/2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received call from XXXX XXXX with XXXX, XXXX and XXXX at XXXX stating I owed money from an old account with XXXX this is over 8 years old. Threatened to serve me a summons at home and work and offered a " settlement amount ''. Were very threatening and caused fear that this was a legitimate debt. The debt does not show on my credit report and they could not provide anything other than a letter stating I owed this money. Called twice from a private and unknown number stating I had been told.

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 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Basically my credit cards have been paid to XXXX dollars for the past month and they have yet to update on my credit report. This was done purposefully and they never update the balaces correctly on credit cards or my other accounts. These accounts are off by hundreds of dollars.

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 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Since XX/XX/XXXX, I have experienced fraud with my Capital One credit card. Numerous cards were sent to people calling in as me. 
Cards ending in XXXX, XXXX. I had credit card XXXX until they recently deactivated it. I was charged fast card fees for cards that were not requested by me. They have since been reversed. 

I made a XXXX payment on XX/XX/XXXX. I called on XX/XX/XXXX to see if payment was received. I learned the card I was carrying was deactivated and a new one was issued but not by my request. And I was never informed the card I was carrying was deactivated. 

It has been very frustration to have continued problems occur when security measures should have been put in the place during the first incident back in XX/XX/XXXX. But they werent. 

Ive had to file two Better Business Burea reports and a report with my States Attorney office just to get a response from Capital One. 
They are not customer service oriented. They arent interested in helping their customers. 

Today, I received a call from them only after I filed a second BBB report. They told me my account doesnt offer a settlement based on fraud. This reasoning is ridiculous especially after added security measures were put on my account, they continued sending out new cards to the people committing fraud. 

I would like a settlement on this account so I can be done with Capital One. I would also like some kind of permanent public remark left do other consumers are aware not to apply for a credit card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Submitted dispute of erroneous payment history on my mortgage account to TransUnion on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016 with validation documention. Contacted my mortgage creditor, who in turn agree that the information for a deferred period where they are barred from reporting payment status because mortgage is under a government agency for a 9 month term. Mortgage creditor has contacted TransUnion in XXXX, XXXX & XXXX with request that the information reported is incorrect and to remove. TransUnion has failed to correct the information for six ( 6 ) months. I contacted TransUnion on XXXX/XXXX/2016 and was told my case is being handled by the Special Handling Dept. spoke with rep. & was told case being handling by Special Handling Dept. Supervisor, spoke with Supervisor and was told my case was being handled by Priority Dept. I was transferred to the Priority Dept. left a message and have not received a call back. I received my credit report from TransUnion dated XXXX/XXXX/2016 and the incorrect information is unchanged and there is not response to my dispute. Contact my mortgage creditor on XXXX/XXXX/2016 and was assured that they would honor my request to contact TransUnion " again '' and for me to give them a call back within 24 hours. 
The erroneous information was reported to all XXXX XXXX XXXX credit reporting agencies of which XXXX XXXX XXXX have duly made the corrections and removed the damaging reporting, TransUnion has not. I am attempt to obtain a auto loan and have been denied based on the incorrect reporting by TransUnion with their refusal to correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I told them I did not live at that address but they put it on my credit report so I disputed it.   It was removed but put back on After the 7 year statutory period. I have Never lived at  XXXX   XXXX   XXXX ,  XXXX , Ny  XXXX !

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (OH).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: Ally auto is a fraud company that was charging XXXX XXXX the highest interest rate without even checking there credit score. Also reporting inaccurate information to the credit report company. My car is currently totaled out and on my credit report its showing that the car is repossessed. I have contacted them to change it yet they have n't. Also I got the car reappraised and their refusing to accept the new estimate. My car is still showing the high interest rate on my car.

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 07/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: For over seven years I have had been requesting why the mortgage servicing company would show a past due on my monthly statement. Each time I would get a form letter stating that I would get a response within XXXX days - NEVER got any additional response. It was easier to change the servicing companies - XXXX, XXXX, XXXX XXXX XXXX, XXXX and Ocwen in XXXX years. During that period the servicing companies made payments for insurance and taxes before the due date ( my on time payments were returned as the bill had already been paid ) - I DID NOT ESCROW, I paid myself. I believe that there actions were in an attempt to build a reason to foreclose. In XX/XX/XXXX XXXX XXXX ( law firm in XXXX ) got involved. I provided copies of my requests for a detailed statement with explanation of what I owed. FINNALLY - a letter from XXXX of XXXX/XXXX/XXXX provided a statement.. I provided copies of the cleared checks and copies of the checks returned by the servicing company accounting for all the months on the statement up to the time ( XXXX/XXXX/XXXX when I stopped making payments as they were just returned. I also included proof of payments for insurance and taxes ( with letter from Tax commissioner when my payment was received after the mortgage company had paid, although I PAID ON TIME ). I Itemized what was due ( taxes and monthly interest payments since they began to return my checks ) and offered to pay in full {$34000.00} the total amount due through XX/XX/XXXX. I have NOT received a response. There efforts are to get the court to put my loan in default and foreclose. During the last months I have receive a stack of documents the lawyer has sent to the court. I have responded to the court each time providing the background as I am now doing. 
I believe the actions not taken to resolve and taken in a effort to foreclose is a crime against a senior.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (VA mortgage) with Leading Mortgage Solutions (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance loan with Leading Mortgage Solutions in XXXX XXXX, and with XXXX XXXX. After approval and before the closing, I was told directly to NOT pay my XX/XX/XXXX payment and that the loan would close before then, and there would not be a 30 day late marked on my credit report. I took their advice. Fast forward a month to XX/XX/XXXX, when I applied for a loan with a different lender for a XXXX home, I was told that my credit report showed a 30 day late payment from the refinance transaction that I was assured would not be there. I complained to the company, they informed me that I was incorrect, that there is no blemish on my credit, and that I should call the old company to resolve myself. I found this unacceptable, and filed a poor review on XXXX. They contacted me via email, as well as rebutted the XXXX review, and again claimed I was wrong, and to clear it up myself. I told them I expect them to clear it up as it was their advice that led to it. I have filed a complaint with the XXXX, but am hearing the same from the company about how I am incorrect. Even after I sent XXXX XXXX screen shots of all three credit reports showing the blemish, he tells me to call the former lender and clear it up myself.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with Capital Accounts, LLC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am reporting Capital Accounts Account No. XXXX for violations of the Fair Debt Collection Practices Act. I am enclosing the letter sent to me by Capital Accounts which shows a misleading collection amount and unfairly adding interest on a debt that the original debtor XXXX did not require. I have also received phone calls in which the representative verbally insulted and belittled me when I questioned the validity of this collection. I have blocked many of the phone numbers Capital Accounts uses to call due to the condescending attitude they have with me when I talk to them. I am enclosing a copy of the Fair Debt Collection Practices Act with highlighted sections which express my concerns with this company. 

Capital Accounts is misrepresenting the amount owed to XXXX by me from the year XX/XX/2012. XXXX did not charge interest fees on any services rendered to me. The paper work sent to me by Capital Accounts which shows the misrepresent the amount of {$670.00} I owed to XXXX. On page XXXX and XXXX it shows {$540.00} as the original amount owed to XXXX. XXXX did not charge an interest or late fee to the original debt as seen in this summary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (LA).
Issue: Taking out the loan or lease

Complaint: I was contacted by someone named XXXX XXXX who said he worked for a company called GE Capital. He said that I had been approved for a {$5000.00} loan, but since my credit score was so low that I would have to pay a {$150.00} fee via XXXX. I went to XXXX and wired the company {$150.00} plus a {$3.00} transaction fee. I was then later informed by XXXX, the accounting clerk that I had to pay an additional {$130.00} fee to process the loan. I wired the company {$130.00} plus a {$3.00} transaction fee. This all occurred on XXXX/XXXX/2015. On XXXX/XXXX/2015, they contacted me again and said the funds could not be transferred into my bank account and I had to pay a {$200.00} transaction fee in order to receive the funds. After going back and forth all day, I told them that i could not see them any additional money and I just wanted my money back. This is when I knew for sure that they were n't a reputable company. The wanted me to go to the pawn shop and pawn my valuables and the so-called manager told me that since I could not come up with the money that, in his words, I should go get " XXXX '' and pay them the fee. I told him that I had morals and any other reputable company would not speak to me in that manner and not charge me upfront fees for a loan. When I asked them to please send me my money back, he stated that he could not send it back.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: under the FCRA Experian must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Secti on 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY 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 02-10-2016 about Debt collection (Credit card) with Asset Recovery Solutions, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX XXXX Extn XXXX from Asset Recovery Solutions LLC. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I previously disputed a creditor that was listed on my Experian report XXXX amount {$2500.00} acct # XXXX The Item was not removed it up updated. I also sent the same letter to XXXX and the creditor was removed. Attached is a report from XXXX stating that their investigation was complete and the Item was removed.

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 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: ***Citicard*** Received statement in XX/XX/XXXX with a bal of {$160.00}. Called and spoke with a rep because on XX/XX/XXXX I called to request a pay off and was assisted by a rep to  make a pay off payment over the phone. On XX/XX/XXXX a rep confirmed that balance would be XXXX out ... great. Received a XXXX statement with a credit of {$52.00} with a remaining bal of {$110.00}. Called credit card co. on XX/XX/XXXX and assured balance would be XXXX out in 3- business days. Called back on XX/XX/XXXX, ( credit card due date ) and automation system indicates, " this is an attempt to collect a debt ''. Spoke with rep and once again assured {$0.00} bal. in 3-5 business days. On both XXXX & XXXX, cardit card bal continues to accrue interest. How is that possible? Credit card payment has never been late and paid off {$11000.00} to clear credit card debt.

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 11/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I recently joined Coinbase.com. I added my bank acct and purchased digital coin Litecoin. I bought XXXX as I 'm not rich but would still like to play this new market. Coinbase then in turn withdrew {$300.00}, twice from my acct. I can not get in touch with their customer service to no avail. I then called my bank and asked for help. My bank will try but I believe they will receive the same answer from customer service ... Silence ... .Please Help ... 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, 2015 I went to Chase Bank in XXXX XXXX Michigan on XXXX XXXX. I am the newly elected XXXX for XXXX XXXX. The purpose of my visit was to have my name place on the account. As a rule each XXXX is a signer on checks. After sitting in the office for an hour having to prove that I am the new XXXX, I was told by the agent that I can not be listed a a signer. I asked why. The agent told me that he was not given that information. He thought it might be something extremely serious such as money laundering. ( That is not true ). Approximately 2 years ago, chase suddenly closed my checking account without explanation and when I inquired in desperation, I was told by someone from the corporate in a very arrogant manner that they did it because they could and it 's their right. I really needed an explanation. I am aware of one otherDISCRIMINATION WITHOUT EXPLANATIONXXXX XXXX that this happened to. I am tempted to poll XXXX users, etc and ask if anyone else had this experience. I decided to contact you first. I currently have a checking account with another major banking establishment which I opened when Chase abruptly closed my account. Chase Bank has discriminated against me and I need to know their reason for closing my account and not allowing me to become a signer on an account for XXXX XXXX members elected me to.

Company response to consumer: Closed with explanation