milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: On Wednesday, XXXX XXXX of 2015, I was in receipt of a " Warrant In Debt '' which was serviced by a XXXX party service provider, XXXX This packet alleges I acquired an account from XXXX XXXX Bank which has been charged off due to non-payments. With review of the document ( s ), the debt has been sold a total of XXXX times ( i.e. XXXX ; XXXX, XXXX ; XXXX, XXXX ; Midland Funding ). Due to the recent sale, the new owner, Midland Funding placed the account / file with an attorney firm which they 've prepared the file to seek judgment against me within the state of Virginia ( Docket Number : XXXX ; their case file number : XXXX ) and I have absolutely no knowledge of this debt. Speaking of Midland Funding and the attorney representation - once a debt buyer and/or creditor purchases a debt then they have up to 30 days to issue a Demand / Dunning letter, and if the debt is to be serviced / collected on the companies behalf through Contingency or Legal strategies then a Demand / Dunning letter is required to be issued to the respective individual several days after placement. In result of such, I was never given an opportunity to dispute any of their claims since a demand letter was not provided and I did not find out about such debt until I was in receipt of the " Warrant In Debt ''. I have a permanent hardship which is not the businesses rights to know my medical history, but these measures are unfair and I 'm being taken advantage of when I did not acquire a debt from XXXX. I seriously do not need to go through litigation for illegal practices on behalf of the new owner and the XXXX party vendor / attorney. To the point - this is not a debt acquired by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: Bank of America ( BoA ) suspended my home equity line of credit based on a credit report they received that showed serious delinquencies, amounts past on on accounts, too few accounts currently paid as agreed. When I learned this I requested a credit report from the agency BoA indicated they used. The credit report I received did not show any delinquencies, amounts past due, or accounts not currently paid as agreed. In fact, there was nothing negative in the entire report dating back many years. BoA subsequently reinstated my line of credit. 

I asked BoA to provide me with a copy of the credit report they received from the credit reporting agency on which they made their decision to suspend my account. I explained to BoA that it appeared that the credit agency was providing different information to them than they were to me and that I needed a copy of the report they received in order to confront the credit agency. BoA refused to provide me with a copy of the report and stated that they could not because it would be " against the law '' to do so. 

Is it really against the law for BoA to provide me with a copy of the credit report on me that they used to suspend my account, especially when they understood that that report contained information entirely different that the information the credit agency provide me? 

How can I get BoA to provide me with a copy of the credit report on which they made their decision? 

None of the categories below match really well with these facts so I picked the one that was closest. 

Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Loan) with Coastal Credit, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding COASTAL CREDIT , LLC at XXXX - This account is still being reported to the Credit Bureau ... XXXX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Around the beginning of XX/XX/XXXXEquifax reported ( a month after the fact ) that user information and data was stolen. This is unfathomable and puts all of us at risk for Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :  XXXX  : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX    : :   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  T  XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on experian, and   XXXX   and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.

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 01/16/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX I was notified I was in default despite being set up through their online system to make automatic payments on the balance shown. They notified me that not ALL of my payments would display if they were not up for repayment or in default. I made a XXXX payment to bring my accounts up to date on XX/XX/XXXX. I continued paying on time through auto payments up until present day. However, inXX/XX/XXXX I was notified again of being in default through a credit report. I called and they notified me I was in default and reported to credit agencies and was late on {$16000.00}. To bring it up to date I would need to make that payment. This amount due was not shown when I log into their system to review my balances, their online system not only did not include these loans but shown that all of my payments were received, on time and current. Further, I never received any mail that indicated there were other balances or I was late. Lastly, XXXX XXXX has failed to update any of the credit bureaus with accurate payment history since XX/XX/XXXX despite making full and timely payments. This has resulted in losing 200 credits on my score making it impossible for me to qualify for a home loan, credit cards, and business credit. This is the ONLY negative on my credit score and they are ALL coming from the lack of accurate reporting of XXXX XXXX. There were times prior to XX/XX/XXXX that I had been late but after finding financial security I have been diligent about making full and timely payments but have not seen any updates reported to credit bureaus. However the inaccurate and incomplete documentation by XXXX XXXX has also made it impossible for me to organize, plan, and monitor the payoff of my loans.

I have attached a full payment history as well as a screenshot of what I see when I log into my account showing a XXXX dollar balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have sent several letters to TransUnion to investigate the validity of a collection agency. I have also sent the letters to the collection agency. I received a response back stating that the debt has been verified. I asked for verification not validation. The collection company sent me copies of the bill from the doctors office. The patient information is incorrect on the bill.

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 05/17/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: I applied to Chase for a credit card. None of their materials disclosed that they would deny credit if I had applied for XXXX or more cards within the prior XXXX months. I was denied credit which lowered my credit score. Had I known the policy I would not have applied. I complained to Chase who explained that multiple card applications presented a risk. They claimed they would not know how the other credit was used. Most of the cards ARE WITH CHASE so they know exactly how the cards were used. They also access credit reports that show how those other cards were used. So their explanation is both false and deceptive, as is is their refusal to disclose the policy in their solicitation materials. I want them to ACCURATELY disclose to all and to be sanctioned for their arrogant UDAAP practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I tried to send XXXX Bitcoin using Coinbase.com mobile app and the app responded saying that it failed to send the payment and to try again. I then went back and tried to send it again and it sent 2 payments, totalling XXXX Bitcoin. 

The Bitcoin address which the payment was sent to is : XXXX I then contacted Coinbase on the XX/XX/XXXXabout the issue and they responded 8 days later ( XX/XX/XXXX ) saying XXXX replied : Hello and sorry for our delayed response. 

Which did n't resolve my issue in the slightest and did n't even address the matter. I then replied to that asking for the issue to be sorted in which I never received a reply. 

Forward to the XX/XX/XXXX in which I wrote to them again asking for the issue to be sorted and once again received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Re  : Fraudulent charge on Debit card and no support from bank On  X/XX/2017    my Debit card with BB  & T  was used fraudulently three times. This fraudulent activity caused my checking accounts available balance to drop significantly causing severe hardship. I contacte d BB  & T to report the fraud. They blocked and reissued my card and told me that was all they could do. When I told them of my hardship I was met with a regurgitated talking point that did not provide the smallest of assistance. On Saturday   XX/XX/XXXX  I wen t into a physical branch o f BB & T  and spoke with the Manager on duty. While she was very courteous, she could not provide any assistance, nor could she reach the Banks fraud department because they were, according to her, closed. I was told I would have to wait until Monday to speak with Fraud.   On Monday  X/X/2017    I calle d BB & T fr aud and was informed yet again there was nothing anyone could do to assist me. The fraudulent pending charges that were holding my available balance hostage would have to stay that way until it posted to my account is what I was informed. I asked repeatedly for a temporary credit to offset the fraudulent charges so I could buy my family the basics to survive the next several days and was informed that was not a possibility. I would have to suffer it would seem.   I am filing this complaint because  BB & T s hould have a policy in place that will assist people in my situation. It was not my fault there were fraudulent transactions made on my account. I safeguard my information as best as possible. When I asked the bank for help they would not do anything other than to try and sell me a line of credit to have as overdraft protection. Because they would not extend a temporary credit to my account that would have offset the fraudulent charges until they were reversed, I endured extreme hardship financially and emotionally.

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 06/15/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Struggling to pay mortgage

Complaint: I have on many occasions reached out to XXXX XXXX XXXX XXXX ( XXXX ) to resolve the mortgage issue. I had my mortgage refinanced through XXXX. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. XXXX is very confusing. XXXX did not service my loan. They had another company by the name of Roundpoint Mortgage Service Corporation & XXXX XXXX , XXXX to be in charge of my loan. At first I was working with Roundpoint Mortgage Service and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never had a chance to work directly with XXXX. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has XXXX XXXX XXXX XXXX as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with Roundpoint and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from Roundpoint to XXXX XXXX without even being notified of my status with Roundpoint. This is very frustrating and the lack of communication is not professional as well. XXXX XXXX has also been in contact with the NJ Hardest Hit Fund and gave them the information and XXXX XXXX knows that I am working with them to resolve the outstanding balance.

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 06/13/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency Portfolio Recovery repeatedly calls in regards to a debt that is not mine, calling XXXX times a day. The person they 're looking for has the same first and last name as mine but different social security number, etc. I have told them repeatedly that they have the wrong person, to stop calling and they continue to call anyway. 

They call from these numbers:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CA).
Issue: Problems when you are unable to pay

Complaint: US bank keeps reporting inaccurate information about an auto lease I had with them. The date of first delinquency was on XX/XX/2010 ( Please see attached old credit report showing the date of first delinquency. ) It has been exactly 7 years since the date of first late and this debt show no longer be reported. I have been submitting supporting documents showing the mistake but they keep ignoring my request to correct and now completely remove the account. US bank is doing everything and anything to delay the process and not remove this collection as they should. I have contacted US bank directly and submitted documents 4 times already and at least 6 times to XXXX. Every time it 's the same reply that the debt belongs to me and is not 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 explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XX/XX/XXXX I lost my job and started applying for a HAMP modification with Wells Fargo. After months and months of supplying them with documentation I was told that I was not approved for a modification. As of recently I had seen that people were complaining about their applications being denied when they should have been approved and decided to research my HAMP application again from XX/XX/XXXX. Wells Fargo again told me I was denied a modification and that XXXX XXXX had denied me. Since I was not getting any answers working with Wells Fargo I decided to follow up with XXXX XXXX to find out why my modification was denied. Much to my surprise I was told that my applicatoin was actually approved for a modification to 4.625 % XX/XX/XXXX for 40 years and my new payment would have been {$1100.00} a month. They cancelled this modification base on an email from Wells Fargo XX/XX/XXXX instructing them to cancel this. When I brought this to the attention of Wells Fargo they stated that they did not tell me abou the modification because I was making my payments and therefore I could afford my mortgage so I was not entitled to a modification. My belief is that this goes against all principles of HAMP. Was n't the program put in place to make the mortgage payments more affordable? Why did Wells Fargo have the authority so hide my approval for a modification from me when this would have helped me out financailly. I was forced to refinance on my own and it cost me a great deal of money which I would not have had to spend if Wells Fargo informed me I was actually approved by XXXX XXXX for a modification. Also, if XXXX XXXX owns my mortgage and is the enforcer for Hamp how does Wells Fargo have the right to just decide to override what they say and not communicate with me their findings. In speaking with XXXX XXXX 's escalation team the also sent a complaint to Wells Fargo but Wells Fargo only states that I was making payments so they did not offer me the modification. How many others has Wells Fargo possibly affected by not disclosing to the customers that they were acatually approved for a modification. Wells Fargo continued to hide this from me even when I asked for reviews of my file. If they felt like they were justified in not offering me the modifcation why did they never communicate to me that I was approved by XXXX XXXX? Why did I have to dig this information up on my own. I truly feel like they know they did something wrong by not following the guidance of XXXX XXXX and offering me the modification but they do not want to adm it it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, 2016, I submitted a complaint ( XXXX ) against Experian. They have not responded to the dispute in the allotted time ( 30 Days ), nor is the information directly verified from the United States Bankruptcy Court. Experian has violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). 

Under the FCRA, the Credit Reporting Agency is required to verify disputes directly with the lender. Therefore, the lender would be the United States Bankruptcy Court. By using XXXX XXXX, a third party information provider, you have failed to verify this information. The courts DO NOT report any information to the credit bureaus other than my name, address, zip code and last XXXX numbers of the social security number. 
If you insist that you have verified with the clerk, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
If this is not removed forthwith, my next communication with you will be taking you to court and filing a complaint with the Attorney General. I am a serious person and I 'm not playing games here.

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