milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Credit card () with U.S. BANCORP (NY).
Issue: Advertising and marketing

Complaint: US Bank advertises their XXXX XXXX card with the annual free night certificate. I never received it and even after calling I still have not received it. I completed the requirement and was verified on the phone with customer service representative. I was given a reference number of the call on XXXX/XXXX/2016 : " XXXX ''. 
This is what they advertise : XXXX XXXX Visa ( R ) Reward Card Free Night E-Certificate ( " E-Cert '' ) is available per Account if you charged US {$10000.00} or more in Net Purchases ( purchases minus credits and returns ) on the Account during the 12-month statement cycle period immediately prior to the annual anniversary of your Account opening date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called and called ChexSystems concerning incorrect information on my consumer reports and they have never once returned my phone calls. Recently, XXXX/XXXX/2015, I was refused an " XXXX University Student Checking Account '' with XXXX Bank because of incorrect information that ChexSystems has on my consumer report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am still having a problem with Equifax in XXXX. They continue to send mail to an old address of mine in XXXX, XXXX, even though I have not lived there since XXXX. Of all the credit reporting bureaus, I find Equifax the most difficult to deal with. 
In the spring of XXXX, I discovered I was the victim of major identity theft. I contacted the XXXX main credit reporting bureaus to place fraud alerts and security freezes. I found out that the identity thieves were using XXXX addresses to open up fraudulent accounts using my personal information : XXXX, my old apartment address in XXXX, XXXX, and XXXX, a phony XXXX in XXXX, XXXX. 
The Equifax Security Freeze Department continues to send mail to my old XXXX, XXXX address, even though I have told Equifax REPEATEDLY that I have lived in XXXX, XXXX since XXXX. 
I gave Equifax copies of my XXXX, XXXX utility bills, SSN, and other personal information to confirm my identity in the spring of XXXX. I also provided a letter from my former landlord in XXXX, XXXX, stating that I had not lived there for 8 years. 
Yet, on XXXX, I received yet another " change of address '' letter from Equifax. If I call the Equifax Security Freeze department phone number that is on the letter, they will not talk to me, as I do not have an " Equifax Security Freeze number. '' Equifax never gave me a security freeze number ... I reviewed all of my correspondence with that company, and a number was never provided. 
Online sleuthing and additional reports indicate that XXXX of the identity thieves, a male, lives in my old XXXX, XXXX apartment. This thief used my personal information to open up several fraudulent accounts, including a home mortgage loan, an auto loan, bank credit cards, and a personal installment loan. 
I am going to ask Equifax , ONE MORE TIME, to stop sending my personal mail and personal credit reports, to XXXX, XXXX My son is contacting law enforcement on my behalf, in hopes that the XXXX identity thief will be arrested. In the meantime, I need Equifax TO PROTECT MY PERSONAL INFORMATION, AND TO STOP SHARING MY PERSONAL CREDIT REPORT WITH OTHERS! I NEED EQUIFAX TO STOP MAILING EQUIFAX LETTERS AND PERSONAL CREDIT REPORTS TO MY OLD ADDRESS FROM EIGHT YEARS AGO!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with Experian XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's trade line has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with total disrespect and very harsh, without even giving me a chance to explain. TERRIBLE ATTITUDES! 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE! 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We bought our home in XXXX, 2014. We made timely payments and XXXX of us lost our jobs so we contacted our mortgage company to set up bi-weekly mortgage payments, which was fine as long as the full payment was made by the due date each month. Needless to say, come a few months later, their mitigation department started sending back our mortgage payments stating that our due date was the XXXX, which it was the XXXX, and we never went that further than the XXXX of each month. We needed a loan modification for bi-weekly payments, when in fact, in our mortgage documents at the closing table, we signed up for it in the very beginning, we just decided to make the full monthly payments at the time. No one tried to contact us, mail us any form of loss mitigation form, new FHA streamline refinance options like other mortgage companies were doing. We never heard a word, until a law firm tried to foreclose on our home. We had to take a huge loan out on our XXXX just to keep our home! The law firm told us to contact the mortgage company, mortgage company hung up on us repeatedly. Cussed us out then hang up. It was a constant headache and circle. We do not want this to happen again. Now we ca n't refinance due to this company for months and are afraid this will happen again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Payday loan () with Mobiloans, LLC (NC).
Issue: Can't stop charges to bank account

Complaint: Follow up to Case number : XXXX I am writing because a response was never received from this company. It is also reporting negative on my XXXX credit report. I request this be removed as their was no response from the company. 
The original complaint was sent XX/XX/2016

Company response to consumer: Untimely response
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, XXXX, and Experian remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you

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 11/23/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo was offering a promotional award for refinancing your existing mortgage. The stated award was a {$500.00} visa gift card. I have never received the award and was told by Wells Fargo that I would not be receiving it. I have emails stating that I was eligible for the award prior to closing on the mortgage. I have attempted to contact the mortgage broker and my local branch regarding the situation, but there has been no resolution. I completed my closing documents on the refinance nearly 90 days ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 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 wrote to XXXX XXXX on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.

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 04/21/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX lists both Northeast Credit and Collect ( NCC ) and Commonwealth Financial Systems ( CFS ) as holders of an alleged collection account. XXXX still shows NCC as holder. ( see attached ). I have requested, in writing, verification of debt and have not received my dated signature for this debt. I have received a BLANK form letter for collection which is not verifiable validation of the debt, see attached. This alleged debt is dated for origination in XXXX of 2009. Per statutes, such debts, alleged or otherwise, are no longer collectable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TD BANK US HOLDING COMPANY (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was contacted via mail by TD bank as " pre-approved '' for a HELOC. One XX/XX/XXXX, I called TD and applied for a {$200000.00} HELOC over the phone. My application was taken by a mortgage specialist. Over the subsequent days my loan went to an underwriter and a hard credit check was performed. On XX/XX/XXXX, I received a call from TD Bank informing me that my application was declined because my primary mortgage with XXXX XXXX XXXX is an Interest Only mortgage and that TD does not provide HELOC loans behind I/O first mortgages. My issue is that I disclosed the XXXX XXXX XXXX I/O loan during the application process and TD should have informed me then of their policy. Instead, they proceeded with an application they would never approve which had a negative impact on my credit score for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Global Trust Management LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: CLOBAL ONE ISCALLING MY CO-WORKERS AS WELL LEAVING NOTES TO THEM HARRASSING ME AM TRYING NOT EXPLODE ON THEM ON MY JOB. USING DIFFERENT NUMBERS EVEN GOING TO MY MOTHER 'S HOUSE WHEN I THEM TOLD THEM I DO N'T STAY THERE. THEY BEEN CALLING ME FROM XXXX,XXXX,XXXX XXXX AND XXXX. THE XXXX NUMBER SHOULD BE THEY MAIN NUMBER. I WISH I COULD SUE THEM FOR HARRASSING ME ON MY JOB CALLING ME XXXX TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a letter onXX/XX/XXXX stating that Chase LO on XX/XX/XXXX andXX/XX/XXXX did not require I submit income documentation in order to receive a Loan Estimate onXX/XX/XXXX which is incorrect. I had to submit Tax Transcripts onXX/XX/XXXX before I was able to receive the XXXX - see the attached emails. In fact, I had an appointment with one LO in XXXX XXXX branch onXX/XX/XXXX but he refused to take my application until I had all of the documentation on this Chase paper form. As a result, I went to the XXXX XXXX branch to meet with XXXX XXXX. He also required that I submit income documents before he would process my application and execute a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: Original complaint case number XXXX. 
As I have explained in my response from Webster Bank I have given the information they requested five time - the last was to XXXX XXXX a supervisor with HSA Bank and the problem WAS NOT solved. I feel like Webster / HSA Bank can not solve the problem - this feels like how far can you lead a XXXX without a rope and I am the XXXX XXXX - Going through the same problem solving procedure five times with five different customer service people and still getting the same result of no access to my account DOES NOT SOLE THE PROBLEM. What do I do not???????

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection agency contacted me regarding a XXXX balance. I settled for a small amount to clear the debt. It is still showing on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XXXX XXXX, XXXX I opened an account with Coinbase ( Digital Currency Exchange ). I was appoved and was able to do online transactions with Coinbase website. I was able to buy 2 Bitcoins, 4 Etherium, and 1 Litecoin. 

On XXXX XXXX, XXXX, Coinbase website started asking for indentity verification when I tried to buy and sell my digital currency holdings. But everytime I verify my identity, the website gives me error. My identity is not verified according to the website. I have answered all the questions correctly and have inputted all the correct information but Coinbase keeps giving me error. Because the website could not verify my identity, I could not make any online transcation anymore. I could not buy or sell online. My account is basically frozen. 

I contacted their customer support several times through emails and followed them up by phonecalls. Coinbase customer support is not very consumer friendly. They would not not help me or get me to the right people. After talking to several customer support personnel, one Coinbase employee finally said that my case has been elevated to the higher up and that someone will contact me. This was in XXXX XXXX. No one contacted me eversince. 

It is now XXXX XXXX, XXXX and Coinbase still could not verify my identity. I have tried and tried and I have submitted all the required documents and information but still my online transaction capability is frozen. Since XXXX, the value of my investment has went up from {$9000.00} to {$42000.00}. But I could not liquidate my account because my online transaction capability is frozen. I have already missed so much opportunity and would have made over {$30000.00} already if my online transaction is not frozen. Please help me! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: If you look at my payments and their effects on my XXXX XXXX Balance, you will notice they have been going down. For instance, for statement closing date XX/XX/XXXX, it was {$1900.00}. For the next statement, XX/XX/XXXX, it went down to {$1700.00}. The next statement, XX/XX/XXXX, it was {$1500.00}.
However, per the XX/XX/XXXX statement, despite there being no cash advances on my part, or even purchases, PenFed XXXX up my XXXX XXXX  balance to {$2700.00} - an increase to {$1100.00} or 74 % increase.
I called on XX/XX/XXXX and was on hold for a little over 12 minutes. I then e-mailed PenFed. I got a response that they would get back to me in 2 to 3 business days, but PenFed has not contacted me.

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 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent a hand written letter to dispute the false 30 day late report via certified mail. I have disputed to Transunion and XXXX. I have written a complaint to attorney general and various other agencies to help me resolve this matter, I have never been 30 days late and in XXXX 2015 I had spoke with a XXXX XXXX XXXX XXXX that had promised me a arrangement due to unemployment. That I could make the regular car payment and that if paid late would accrue fee however, I would never be reported due to late fees for not paying on time. So fast forward 8 months and arrangement was kept on there end. I made the payment for XXXX 29 days late due to financial struggle and they reported me as 30 days late. I wrote a letter in regards to the FRCA 611 ( a ) act that this was indeed false report and I have been hounded in regards to payment that I have always paid. The collection department refused to work with me and where so rude and I feel like I have no control of being bullied in this matter. I need help as XXXX is lieing and holding to keeping this false information active so they do n't get in trouble. They are reporting falsely and I am paying for this emotionally and it is got me so distraught that they continue to bully me in this matter. I can provide documentation however want to make sure it is taken care of to protect my identity. Please if you can help me in any way. I await your response, thankfully yours. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Settlement process and costs

Complaint: we and my husband got a dissolution he took ownership of the property my name was supposed to be removed from the mortgage only to find out later by disputing with the credit bureaus did i find out it was not removed also i found out by the bank itself it was not removed after giving them my ex 's social security # then all of a sudden they found my name still on the mortgage like they are trying to hide it.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including TransUnion, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from TRANSUNION, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. TRANSUNION did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the account tells all of us, they have not maintained verifiable information in their own ( TransUnion 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT TRANSUNION DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX XXXX  Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX XXXX  Acct # XXXX ... XXXX I will gladly hire a lawyer as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have written to XXXX, Equifax, and XXXX, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX -- -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. XXXX and Equifax ignored my request entirely ; and XXXX stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.

Company response to consumer: Closed with non-monetary relief