milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX XXXX, 2017, I went online to obtain my credit score. My credit card company, XXXX, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my XXXX score, I should call TransUnion, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from TransUnion. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XXXX XXXX I called TransUnion at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that XXXX was using a different scoring model than TransUnion does ( they mentioned XXXX ). They were denying that they even supplied the score that XXXX was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between TransUnion and XXXX, and they refused. They told me to go back to XXXX for any explanation of the score. So I called XXXX at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the XXXX site XXXX XXXX or TransUnion. The XXXX Customer Service Rep. claimed they simply posted the information provided to them by TransUnion, that XXXX DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact TransUnion for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just XXXX or two months without any negative data to support 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 04/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: Chase has a bonus code promotion for opening new accounts that they did not honour for a reason NOT stated in the Terms and Conditions. I set an appointment to make the process easy and be certain that there would be no complications but a day after opening the account, the sales representative phoned to say that they could not honour the code due to a charge off from 2001. This exception is NOT in the terms, nor was it brought to my attention before the sales rep. and manager setup the account. This is not acceptable and sounds like Chase will do anything to get direct deposit accounts without approving the bonus codes they send out in email blasts - after the fact. Again, I was told ahead of time that there would be no problem. I am XXXX and mobility is a major complication for me so I try to setup appointments ahead to avoid exactly this situation. Had they told me initially that the offer was conditional on prior accounts, I would have gone to a different bank to use their bonus code. He had plenty of time to call and let me know ahead of our scheduled appointment given that he had to go through all of my documents to have the account ready for my signature when I arrived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am filing this complaint on behalf of my XXXX year old mom who lives alone and has XXXX. She continues to receive approximately 3 calls per day from phone number XXXX. When she answers the phone, they hang-up on her. I googled the phone number and found it to be associated with Commonwealth Financial, a debt collection agency. My mom has no debt and has always paid her bills in full and on-time. I tried contacting Commonwealth via the above phone number, but all I get is an automated message. If I select the option to speak to a live person, I automatically get hung-up on. I tried that several times to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX/XXXX/2017 I received a copy of my free annual credit report. Upon reviewing the report I attempted to dispute some items that I knew where incorrect at XXXX agencies. I went to each dispute online and was told I could not file disputes online. I was given a number and told to call Transunion. I called transunion, Transunion informed me that my was blocked because I needed to update my credit card for my account. I informed them that I no longer wanted the account and they said that I had to put that in writing. Furthermore, that I could not dispute anything on my credit without updating my credit card information. I informed them that it was my legal right to be able to dispute items on my credit report. I was informed that either I update my credit card information or I waiting until I put it in writing before they would allow me to dispute any information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate and remove some accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX ACCOUNT # XXXX FRAUD ACCOUNTQUALITY XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I'm still being mistakenly pursued for 3 years now for some XXXX   equipment that I returned. Looks like someone is making a fast buck reselling this erroneous debt again and again. Strange since I have a receipt showing I returned the equipment dated XX/XX/15 and the last debt collection agency chasing me ( XXXX XXXX ) found that the alleged debt is uncollectible. This month it's ERC of XXXX, PA that is hounding me. When will it stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Medical) with Medical Recovery Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A medical bill from XXXX XXXX XXXX was given to XXXX XXXX XXXX XXXX for collection after delay in making a payment of about XXXX weeks. XXXX XXXX offered to settle the debt for a specified amount in XXXX payments, each to be received within XXXX days of the prior payment. The total requested to settle the debt was less than the original amount. The three payments were timely made despite the fact that XXXX XXXX 's notices of payment were erroneous in stating no response had been made to previous requests and copies of cancelled checks submitted to demonstrate that there had been a response. After the final payment, I requested a notice of settlement in full letter but never received one. The final payment was made XXXX/XXXX/2015. I received no further communication from XXXX XXXX. 
In XXXX, 2015, I received a Notice of Placement from another collection agency, Medical Recovery Specialists, requesting an additional amount to settle the original amount. I am writing them to dispute the debt and will make a follow-up complaint if they make any further effort to collect.

Company response to consumer: Untimely response
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I am submitting this complaint in light of the account opening/sales pressure issues at Wells Fargo. These events occurred in XXXX, but i could not get answers to any of my inquires at the local branch, by calling the XXXX # or by written complaint to the corporate offices. 

I have been a corporate client of Wells since XXXX and opened a personal checking account there about 8 years ago. Online access was established on both at inception. In a letter dated XXXX XXXX, XXXX, i was informed that online banking had been established for the corporate account by an authorized signer. Within a few days, i received additional correspondence, including references to overdraft protection on a new checking account - linking it to a savings account ( neither of which i opened ) and a debit card. I immediately pursued how these accounts were opened. No one attempted to provide any answers and after hours at the branch and on the phone, i just submitted the written complaint to WF and monitored my accounts. I did not suffer any financial loss ( as far as i can tell ), but there was certainly a lot of activity occurring under my name that was not authorized.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I do not have an account with any of these companies. 

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 XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a collection from a company called Professional Debt on my credit report that is trying to collect {$5300.00} for an apt XXXX XXXX XXXX XXXX. I have repeatedly requested proof from the collection agency and they have not been able to provide nay. I asked the bureaus for verification of the debt and only come back with its 'verified '. I went as far as to go directly to XXXX XXXX XXXX asking for my files or some kind of itemized list for these charges. They too were unable to provide me with any information. I did not break the lease, I did not leave the apartment damaged or dirty, I even think I got my deposit back.

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 07/29/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never established accounts or know anything about the following XXXX creditors listed on my credit report XXXX XXXX reported by Equifax, XXXX XXXX XXXX reported by XXXX, XXXX XXXX reported by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Late fee

Complaint: Due to XXXX XXXX action some of my credit Cards were cancelled or revoke by other financial institutions. In this complaint against Chase I was told its not going to be a late of the final amount of {$100.00} A late fee of {$25.00} back from XXXX 2016 it was reversed on XXXX 2016 as I was told by Chase customer service I 'll receive the final statement with no late fee involved. 
I waited for the final statement last month I I never received it Today doing my other payments I called Chase customer service and The Supervisor XXXX XXXX told me since I been given a late charge removal from XXXX they cant no adjusted the account no longer and the total amount due is $ {$120.00}. I told her upon condition to submit the payment I would receive a final statement by Chase to submit 2 payments toward the total amount of {$100.00} and if Chase does n't honor what I been told I would file an inquire with the CFPB to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with MARINER FINANCE, LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XXXX   XXXX ,   XXXX  , Representative  XXXX , called me 9 times on my phone and then called my employment. I contacted the representative and he threatened to garnish my wages. He was rude and very unprofessional.

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 09-05-2016 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was previously married and as of that i resulted in having my last name changed to his about 5 years ago and now i am seeing hospital bills on my credit report that are not mine. I have not been to a hospital in years last time i checked out of one was one year and a half ago and i had medical insurance. I need help to get this straightend as i am trying to build my credit. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with Ark-La-Tex Financial Services, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with Benchmark Mortgage. I purchased the home, approximately, XX/XX/XXXX. School taxes came out XX/XX/XXXX. I mailed a copy of taxes to the mortgage company. I received a call from XXXX tax collector stating that the taxes were not paid. When I called the mortgage company I was told there were comments in my account XX/XX/XXXX Taxes Paid - no check was ever dispersed. I am now going into the 4th week with trying to get these taxes paid. Benchmark Mortgage has {$2600.00} in my escrow and will not release the funds. I keep being told will be resolved within 24 hours. That never happens. I went back to the broker who represents Benchmark Mortgage and am being told they are working on it with a manager of the processing department. I ca n't seem to get resolution and am risk of being sent to tax claim.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
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: Navient has  been reporting the wron g 1st date  of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from Navient to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from Navient should not even be on my credit repo rts. Na  vient has also been past the statute of limitations for NY ( 6 years ). For a long time Navient was  reporting the wrong history and balances of the accounts since day  one,  but that was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with Resurgent Capital Services L.P. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This debit was removed by the original credit grantor. LVNV began reporting the debt with a false recent date. Contacting the company did not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have fraudulent inquiries on my report which I did not authorize. I have tried writing to Transunion in the past and most recently today regarding the inquiries however they will not remove them. I believe this to be in violation of the FCRA. 
All inquiries from which I do not have accounts for the last 16 months are fraudulent.

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 02-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XX/XX/, I placed a voluntary security hold on my Coinbase account as a precaution after my cellphone and personal bank accounts were compromised. I explained to the Coinbase representative that my Coinbase account had NOT been compromised - rather, I was notifying them out of an abundance of caution. I asked that my account be placed on hold until further notice. 

On or about XX/XX/, upon confirming that all of my personal security issues had been resolved, I notified Coinbase and requested that they reinitiate my account access. 

Since that time, I have called Coinbase several times. Each time, I am told that my request for account access has been " escalated '' and has the " highest priority. '' However, each time they also told me that they did not have enough resources to respond to my request. I asked for a time estimate and was told that one could not be provided. I then asked whether it would be " days, '' " months, '' or " years '' and - shockingly, I was told they could not give me any estimate. 

On XX/XX/, I asked to speak with a supervisor named " XXXX. '' She refused to provide her last name. Once again, she would not provide a time estimate as to when my account access would be granted or when I would be able to close my account. 

During each of these calls, having grown frustrated, I indicated that I wanted to close my Coinbase account immediately. I was shocked when they responded that my account could not been closed while I don't have access. 

To date, I have not been able to access my account nor have I been able to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a  Summons letter  earlier this month from office of   XXXX   XXXX   XXXX   XXXX  stated that I failed to appear in court  XXXX  and a judgment was made against me in  XXXX  in regards to a  Providian cre dit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old a nd they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since   XX/XX/XXXX !? Whi ch explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have previously submitted a complaint about Shellpoint deliverying confidential information, including demand letter and intent to accelerate letter to my home which is not my mailing/billing address of record. My home is currently occupied by a family member and just today a messenger went to the home and asked to speak with me and advised my family that it was regarding a delinquent payment ( incidently it was for XX/XX/XXXX payment which is in their system to be paid, leaving the account 22 days past due. 

I complained before when they sent a messenger, and shared private and confidential information with someone other than myself. I asked them to cease and desist sending documents and people to this address and they have not even had the professionalism or business courtesy to respond to my complaint. These people are incompetent and have a loan shark mentality for collecting or barely delinquent payments. Unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation