milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: around  XXXX , I had a mortga ge with wells Fargo, th e property address is  XXXX   XXXX   XXXX   XXXX , in  XXXX  I lost my job I had difficulty to make payment on time and I had tried to work with the company to keep my house after 15 years occupying it, they refused and they make to me a short sale telling me they would forgive all the difference that they would sell the house for, and I had no other choice than to accept it, while the short sale that they offered me in process, they filed a foreclosure which I fought to get the short sale though, on  XXXX   XXXX ,  XXXX , the process was done and went though, after that, because I no longer had the house, I went to the Post  Office and bought a mailbox, just after I did that, Wells Fargo sent me a letter telling me that they saw I changed my address so they will update my address for my account, so I called them reminding them   that I no longer had any business with them, they told me that it was a mistake on their part, after a while, I went overseas and I forgot to pay my mailbox before I left, so when I returned, the Post Office already sold my mailbox and gave another box number, once they found out that my mailbox number changed, they sent a  letter telling me the same thing, and I called them again, they told me it was a mistake, so I forgot everything, not too long ago, this time, I received a an email from them telling me due to the security, they wanted me to update my informations regarding my mortgage, and called them, they told me again that was a mistake, so I have gone too much with this matter, and lately I saw on the news that they had opened accounts on people name without their knowledge, this is raison why I am filing this complaint, thank you very much

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 06/23/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint Mortgage Servicing sent letter dated XXXX/XXXX/15 advising that we have not provided all documentation for loss mitigation program. I have questions and I have called XXXX XXXX at Shellpoint every business day for six days. Her voice Mail says she will return the call within 24 hours. She has not returned my calls. Her message says press XXXX for further assistance when I press XXXX the message says No one is available to help you, call back. Shellpoint has given us a deadline to submit documents yet it has been six days of daily telephone calls and leaving messages with NO RETURN calls from XXXX XXXX or anyone else at Shellpoint Mortgage Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX ( XXXX XXXX XXXX ) contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Closing/Cancelling account

Complaint: I have charged off debt of {$3200.00} from a Bank of America credit card. The account became delinquent in XXXX of 2009. Bank of America gave me a 1099-C Form to file with my federal tax return. As instructed, I used the charged off debt as income. To date, Bank of America is still reporting to the credit bureaus agencies that I account is active and open. I have called Bank of America several times asking them to close the account and update it as charged off. BOA told me that they ca n't legally collect on the debt because it it is charged off. The agent asked me to settle the {$3200.00} debt amount for {$2000.00}. I explained to BOA that the debt is charged off and settled. More importantly, I already filed it with my tax return as income. Please help me in getting BOA to close this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: i give the compleint of the bank of america because i have submited several aplications for credit and well reject because litelle information from the credit report y when opened secured credi card upon {$600.00} gave musta must a month i cosed the credit card of card secured by one payment {$500.00} dollrs wich was not doneand have resolved nothing fraude department of the bank of america no resoveld and my debit the charged to my name the account was opened XXXX XXXX XXXX and the BANKAMERICARDwich resolved anything

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Credit inquiries on your report that you don't recognize

Complaint: My personal data was stolen via the Equifax leak.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the USPSP that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). 
I thank you for caring, 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 08-07-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I received a voicemail on my home phone with only a phone number to call back. I researched the phone number to XXXX XXXX so I sent them a validation letter on XX/XX/XXXX. I received their " verification '' letter on XX/XX/XXXX. It was dated XX/XX/XXXX and stated that the debt was valid and attached verification of the debt. The attached verification shows a forwarded balance, my name, and an account number. I remember disputing this alleged XXXX debt back on XX/XX/XXXX, but it was with a different company, XXXX XXXX XXXX. I have my credit reports from XX/XX/XXXX in which I marked when I disputed it on XX/XX/XXXX. Then I have another credit report where I marked it that it was removed on XX/XX/XXXX. I have an XX/XX/XXXX XXXX report and that account is no longer on there, as it was removed in XX/XX/XXXX. When the alleged debt was on my XX/XX/XXXX credit report, it showed that the " account is scheduled to continue on record until XX/XX/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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER   XXXX   NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL T HE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have several inquires on my report that I didnt authorize. I have file several disputes and the only thing equifax say is : Its factual ... I have faxed them and asked for validation or proof I did it. Equifax in return dont answer my request each fax was issued a confirmation number XXXX, XXXX, XXXX, XXXX, XXXX and XXXX their excuse of not answering my request by fax is they thought it was fraudulent with all my personal information attached and the fax was sent through a secure line. Their stall tatics and the round around they give you for trying to get them to report 100 % accurate information os ridiculous. Then they had said teo of the inquires wasnt reporting on my credit report of course not when you have to dates wrong. These are the inqyires thats in questioning and I want them removed 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 ( never been to Texas ) XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with Performant Financial Corporation (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an issue with a debt that I should n't owe ( Not the issue here. ) The issue is they call both my cell phone and work phone number about every 30 minutes throughout the day. 

They call my co-workers ' direct lines numerous times a day, which is the real problem. 

It is causing damage to my work reputation having to explain to every co-worker why they 're getting debt collection calls for me to their direct line. 

Not to mention it happening several times an hour throughout the day.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry. 

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry. 

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 5 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize 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 02/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (UT).
Issue: Money was not available when promised

Complaint: Please help me get my {$6500.00} back. Coinbase lost my total {$6500.00} transfer. 

I made wire transfer {$3000.00} on XXXX and {$3500.00} on XX/XX/XXXX from XXXX XXXX Bank to XXXX XXXX XXXX. The amount was never credited to my Coinbase account so I opened a support ticket two weeks later. 

On XX/XX/XXXX, I reported to XXXX XXXX Bank and filed this case as fraud. I also contacted Coinbase to refund {$6500.00} again. 

On XX/XX/XXXX, I finally received email from Coinbase that {$6400.00} ( {$20.00} fee ) was funded on my Coinbase account, however, it says " Buys disabled. '' I requested to refund {$6500.00}. 

On XX/XX/XXXX, Coinbase closed my account without notice. 

I contacted Coinbase multiple times to request the refund of my {$6500.00}, but no response. 

On XXXX, XXXX XXXX closed the original claim and reopened to escalate with online wire transfer claim. 

Now here I am, 6 weeks later, still waiting for Coinbase to return it. 

Deposit reference : XXXX {$3500.00} Deposit reference : XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Prepaid card (Government benefit payment card) with CITIBANK, N.A. (DC).
Issue: Managing, opening, or closing account

Complaint: Citi 's online form for transferring funds to my bank account consistently reports that the system is unavailable. Calls to Citi customer service result in requests for a transfer request via fax, which are consistently rejected due to " incomplete information '' but the agents are unable to say what information was lacking.

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 12/29/2017 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: The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016 Equifax sent me the results of the investigation report and stated that the following items were removed. 
Real time solutions acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX However as of today the items have been placed back on my report. I am not asking for a re-investigation I am only asking that they remove the items as they were previously removed and replaced with out notification of the items being reinserted to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OK).
Issue: Other service problem

Complaint: Coinbase has disabled my account, first noticed this problem, XX/XX/XXXX, stating that my trading account has been temporarily suspended please contact our support team. I have contacted the support team on many occasions and no response, I sat on the phone on hold for 2 hours only to be disconnected. I have money in that account under a crypto currency that I want to sell and get out due to market volatility but have been able to access my account in order to do so causing me to loose a large amount of money. this is unacceptable and need to be resolved asap so I can access my money and get out!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Auto) with Byrider Franchising, LLC (SC).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: CNAC Car finance company calling outside designated hours and are calling while I 'm at work, which I have asked them not to do and they do not listen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed wrong account information with experian, they have responded with unless you send us more information we would not investigate. On my behalf, I have send out release of judgement from spring leaf and I have specifically write on my dispute letter that such judgement is over 8 years old and according to experian spring leaf is still verify. I have disputed recent balances on accounts that have been closed and but financial institutions have close down for business but experian is still reporting it as verify. another accounts that are reaged but accounts sold to a third party are still been verify. Moreover, I have ask Experian for debt validation on collections accounts and they have fail to provide me with such information.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX have failed to investigate matter accurately. These items where disputed last year and early warning failed to provide accurate proof of items upon request. Instead of providing items that pertain to the Compass Accounts XXXX & XXXX compass gave a blanket reason for a matter pertaining to a business account under a tax id and not a personal account. The also deflect the matter to non working compass number where no one responds to call or voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted a request to experian to delete an erroneous item from my credit report. Request was sent XX/XX/XXXX, receipt was signed by experian representative on XX/XX/XXXX, as of today ( XX/XX/XXXX ) I have received no notification on the status of the investigation nor has my credit report been corrected.

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