milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 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: Reporting company used your report improperly

Complaint: I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
XXXX employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

Experian started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in Experian it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/XXXX to XX/XX/XXXX. 

XXXX has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull 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 05/24/2016 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I just received a notice from a debt collector on a loan i took out almost a decade ago. While I thought it was consolidated under XXXX XXXX, and I had been making payments on it along with everything else. apparently I had not made payments on it since last XXXX Yet. i did not receive any notices of payment, nor any notices that payments have not been received before now. I have stayed in this location for many years, moved once, then moved back and stayed here since 2013. It should have been incredibly simple to contact me, yet this debt collection notice is the first thing I have ever seen about it. It has likely harmed my credit and after all the work i have done paying down and consolidating my other loans, this happens. I am going to contact them tomorrow with many questions, but wanted to begin this process early in case of the likely event of further trouble. This seems illegal but i will do what I can to correct the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I received a used boat loan for {$110000.00} from US Bank, account number XXXX. I pay twice per month and the loan has provisions that it can be paid off early. My calculations show that I owe {$1000.00} less than what US Bank shows. I have called US Bank on several occasions to get an amortization breakdown, and they refuse to give me anything in writing. One representative even said that they will not give this in writing, and another representative said they will only give it within the first six months of the loan. I have called three times, and all three representatives say they would send, and I have received nothing.
There is an issue here, and no one will give me the calculations.

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 12/16/2017 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: I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.

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 01/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: I have a checking account from Bank of America. The lady in XXXX ( IL ) branch told me that as long as I have a total amount of direct deposit over XXXX to the account in a month, that I wo n't be charged with the $ 12 monthly fee. So I did {$150.00} per paycheck, that 's {$300.00} per month. Then I found that I was still charged for the $ XXXX monthly fee twice. So I went to the XXXX XXXX XXXX ( IL ) branch today, and ask for why. The lady and her manager told me that the requirement was {$250.00} per check. And there 's nothing they can do to help me. They asked me to leave and go to the previous branch and talk to the lady who talked with me before. They also said they did not care if I close my account or not, I told them I need my {$24.00} fee back before I can close that account. They said they could not help me with anything and asked me to wait somewhere else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Three months ago, I contacted Bank of America ( BOA ) to have my address changed from XXXX to XXXX XXXX. BOA sent the title to NJ DMV and I was able to register and insure my vehicle with my new address.

One month later, I fully paid off my auto loan. My loan was opened in XX/XX/XXXX and I fully paid it off in XX/XX/XXXX. After the loan was paid, I called BOA and they informed me that the title would be mailed out to me 10 days. 

After one month had passed, I contacted BOA again, this time they informed me the title was accidentally mailed out to the old address. I don't know how something like this was even possible since the change of address 3 months earlier was facilitated by BOA.

Now they have informed me, they will be mailing out a lien release. In addition to the inconvenience, it will cost me approximately {$94.00} to obtain a duplicate title from the DMV which BOA is not reimbursing. The manager I spoke to was unapologetic and quite rude. 

Why should I pay for BOA incompetence? I have never been late or missed a payment and I have worked very hard to payoff the loan in less than 15 months. Its extremely unfair that I am now driving around in a vehicle that is fully paid off with nothing to prove I am the owner. I am annoyed and very disgusted with this company. 

I want to add also that I have another car and loan with XXXX XXXX XXXX ( XXXX ). Address had also been changed and the loan was also paid off at the same time. XXXX mailed me the title to the in title to the correct address in 10 days. Agent I spoke to was pleasant and very helpful. 

Just want to remind anyone reading this that you have a choice as a consumer. After this experience I will never again do business with Bank of America.

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 04-07-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and capital that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask capital one but capital one is not the ones reporting it they are. what they are doing is illegal and I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is yet another complaint filed against nasty old Bank of America who has been trying to take my properties under completely false pretenses and your files are FULL of all the XXXX I have been through with Bank of America these past FIVE ( 5 ) years and copies even faxed to the supposed head of CFPB XXXX XXXX who never ever replied to faxes and Emails : (. 
I have now sent a SECOND REQUEST under RESPA and the Department of Justice now has a file and is supposedly looking into this matter. Sent out certified XX/XX/XXXX and NO reply with the requested information as of today XX/XX/XXXX other than they are working on it ( XXXX loan B of A supposedly services and XXXX B of A recently and allegedly assigned to another really bad company in XXXX , XXXX . 
I finally got the money together to bring current the loan on XXXX XXXX XXXX and first sent a check to their XXXX Office which they subsequently returned since I had written on the check " Paid under protest ''. They said the funds now had to be certified funds. 
I then wired funds through my bank XXXX XXXX with another payment and late fee through XX/XX/XXXX so the total was {$41000.00} paid XX/XX/XXXX at XXXX to my account that has been set up with Bank of America and XXXX XXXX for the past few years and account number XXXX. I confirmed this with XXXX XXXX today and they confirmed my account as correct and confirmed the payment. 
We just got notice today that Bank of America rejected this account and said the account is the wrong account!! I know they are trying to wrongfully foreclose on this property just as they finally did on XXXX XXXX XXXX with the forged, fabricated, and phony documents that their crooked lawfim of XXXX XXXX completed on XX/XX/XXXX and even violated Colorado law with a very low bid of {$140000.00} when they had sent me an appraisal ( their opinion of value earlier in the year at {$270000.00} to insure they would not get title to a property they have NO claim against. 
There is even a phony alleged assignment of this note executed in blank by a known " robo signer '' that was done XXXX/XXXX/XXXX with known robo signer XXXX XXXX in blank for XXXX ( XXXX never had any officers ) and recorded in XXXX County. 
I have stacks of files that prove without question that Bank of America never had control of these loans when they allege they purchased Countrywide and all this harassment these past FIVE ( 5 ) years is completely bogus and fraudulent and many recent court cases are finally starting to discover. Please help me as these XXXX are scamming XXXX people and have wrongfully taken XXXX homes they had NO claim to whatsoever. Please follow your recent guidelines where you are supposed to be helping people like this XXXX year old XXXX Veteran. PLEASE this is NOT right.

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 04/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Trouble during payment process

Complaint: XXXX / XXXX /   2017. Wells Fargo Mortgage, one of  the largest corporations in the nation and yet they can not take a debit card for payments online, must have a bank account with routing number. Have called and spoke about my unbelief that they can not accept a debit card, and it was verified that they do not at this time.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion has not updated the XXXX XXXX tradeline. XXXX XXXX has agreed to remove the late payment as of XXXX/XXXX/2017. The tradeline has not been updated by transuion in over a month. The balance need to be updated and the late payment needs to be removed as well. I have attached the correspondence from 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 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was denied credit based on inaccurate information on my credit report. XXXX and XXXX have zero balances.

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 04-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Talk with bank of america, why my monthly payment since ( XX/XX/XXXX ) not reported to credit agency.Did file bankurpt chapter XXXX .Six years ago .late mo.found all this was happen when trying to refinance loan, No credit history.The bank said no reaffiartion agreement, But send a copy of it to bank ( XX/XX/XXXX ) since then bank said will take 10-12business days.Now bank said not file with county.working on it no time limit.All my paper work on file .Its like nothing is being done

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Recevied a call from someone at the Weinberger Mediation Group, told to call back at (   XXXX   )  XXXX , threatened me by saying this was their last attempt and my lawyer needs to get ahold of them before they serve me and press charges. I have no clue what this is pertaining to, im sure its a scam and they need to cease and desist all contact with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Medical) with BC SERVICES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This letter is being sent to you in response to the above reference account that BC Services INC. has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf BC Services INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: My complaint is towards Coinbase where I previously had XXXX euro  stored with them in what I believed was a secure wallet. On XXXX.XXXX.2017 I tried to login to my account at XXXX ( a subsidiary of Coinbase ) which I accessed through XXXX ( the first link in the search ) and was instead taken to a phishing site XXXX, set up exactly the same way as the original site. I tried to login and after two failed login attempts using my XXXX protection codes I recieved two emails, one which stated my email account had been accessed from an unauthorized location, and another to say I had transferred the entirety of my account in the form of XXXX to an unknown address ( screenshots attached of both emails ). After this happened I obviously contacted the company via email to explain the situation, whereby I was reasonably promptly sent a generic reply saying they had blocked my account and asking me to complete a series of questions as a security review. I changed my passwords as suggested and was told I would recieve a reply within 5 days. In the meantime I did some research online and realised I was not the only person to fall victim to this fraud and that Coinbase had been  notified of this security breach as many as 11 days earlier via XXXX ( screenshot attached ) yet failed to do anything about it in order to ensure their customers were suitably protected. When I did recieve the reply a few days later, it was once again a generic response which somewhat predictably washed their hands of any wrongdoing and implied I would not be able to get my funds returned to me. After speaking to others who were scammed the same way and who have since seeked legal advice, Coinbase should be held liable for this breach of security and should refund their customers as they failed to act quickly enough to extinguish the threat. I hereby declare that I would like my original amount of XXXX euro refunded to my Coinbase account and my account unblocked as soon as possible or I too will be forced to take legal action against the company

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Tried to get an home equity loan on property an found out there's a lien from previous owner An abstract of judgment for the amount shown below and other amounts due:

Amount :XXXX

Debtor :XXXX XXXX

Creditor :AMERICAN GENERAL FINANCIAL XXXX XXXX XXXX XXXX. which is now one main 

Date Entered :XX/XX/XXXX and didn't purchase till XX/XX/XXXX company refuses to remove

Returned To

Recorded :XX/XX/XXXX

Instr No. :XXXX

of Official Records

From one main

In reviewing the documents you provided, the judgment lien obtained by American General Finance against XXXX XXXX is valid and will remain of record.

Regarding the copies of the two deeds you provided, we are not now nor have we ever been associated with XXXX, XXXX., the grantee on Doc XXXX and the grantor on Doc XXXX.

Regards,

XXXX XXXX, Senior Supervisor Legacy Research Group OneMain Financial
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX | (:XXXX XXXX XXXX XXXX |*: XXXX




From: XXXX XXXX 
Sent: ThursdayXX/XX/XXXX XXXX XXXX To: Legacy Support Cc: XXXX XXXX 
Subject: Lien on my title that don't belong to me!! See attached

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Other financial service (Debt settlement) with John C. Heath, Attorney at Law, PLLC (PA).
Issue: Disclosures

Complaint: I spoke with XXXX at Lexington Law, I asked for a refund because the work was not completed. I paid before any work was done. I also was not told that I can do this work on my own and dispute on my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX Account reporting with a a balance of {$500.00}, a past due of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both Transunion and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would like the remarks " Dispute resolved ; customer disagrees '' for XXXX and XXXX because i no longer dispute or disagree also would like the " Dispute resolved ; reported by grantor '' by 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