milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report

Complaint: In XX/XX/XXXX I attempted to refinance my line of credit with XXXX. I was advised that Bank Of America had reported to the credit bureau that I was late on my account. I made several attempts to contact the bank only getting the run around. I had previously visited the bank before about my account as I made a payment that they stated they returned to me but I never received. On XX/XX/XXXX I visited the bank and was advised that I was behind in my payments, when inquired how, they advised they would send the breakdown of my payments. However, it was reported I was over 90d late. I then inquired where my bank statements were because I paid my normal payment that I had been paying. XXXX instructed me to pay {$680.00} in which I did and advised this would bring me current but still unable to explain why I was not receiving any notices or calls about my payment. I was advised Bank of America the Post Office changed the address of my billing but they did not know why and today still no response or explanation. Bank of America ( XXXX ) removed the late fees charged and advised they would assist with trying to get the late fees removed. I was then instructed by his supervisor to provide him with the information I had, once attempted, the information he provided was invalid. On XX/XX/XXXX XXXX said they should have contacted me about the change of address and gave case number of XXXX.No one has kept their word on contacting back in reference to this issue. Due to Bank Of America sending my monthly statement to another address and failing to contact me via phone, I was unaware my payments were late. In addition they advised they did not have a contact number for me, then verified my contact number but had never called. They are reporting negatively on my credit report for an error they made and failed to make good on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went to what I thought was a reputable website and they offered to give me my free annual report. I wanted to know what my credit score was so since the website was reputable I thought I was safe. It went to XXXX, it did not give me my credit score and now they have my information and I feel unsafe with my personal information in the hands of a fraudulent misleading business. What can I do to make sure my information is safe and how are they allowed to be so deceiving?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is currently reporting a Tax lien. The information that is being reported despite the creditors request to have it removed. s not correct. under the Fair Credit report Act, this item must be deleted. This reporting is a clear violation of the Fair Credit Reporting Act. Please delete account.

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on XXXX and TranUnion for unauthorized inquiries on my Credit Reports. Today which is XXXX I called XXXX and TransUnion only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my TransUnion Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called XXXX and the rep was so rude she would n't even let me get a word in. She then tells me that XXXX is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from XXXX and TransUnion that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I CHECKED MY EQUIFAX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX CONTACT PERSON XXXX XXXX XXXX XXXX ). EQUIFAX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (WY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Today XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live. 
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt. 
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with CMRE Financial Services, Inc. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: COLLECTOR KEEPS CALLING MY CELL, FAILED TO VALIDATE SAID DEBT, WENT ON CREDIT REPORT WITHOUT VALIDATING AND ZOMBIE DEBT. 

SEVERAL VIOLATIONS OF DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt collector send me a letter i immediately call him to dispute the amount in question he promise to send me a prove from XXXX i did not receive any evidence from him. the next thing i saw is a negative report on my credit report over a debt that has not yet been establish and connot be establish this has to do with a phone bill according to him.

Company response to consumer: Closed
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the recent changes to law, effective XX/XX/2017 Public Record data reported must include a minimum of name/address/SSN/ and date of birth in order to appear on a credit file. The credit bureaus haven't updated/reported this info and per the law Bankruptcies don't include this info and this should be removed promptly from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: Had a deposit come in for {$1800.00}. Bank says my acct was hacked and funds taken out. It was sent to fraud department and as of today 4 and a half months later I still have not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: National Credit Adjusters have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called XXXX, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: I opened a credit card with Sears to try to improve my credit score. XXXX of the only hits to my credit score is that I have very few accounts, and I had a good opportunity and thought Sears was a reputable enough company. I purchased a bed and a few accessories as I 'd just moved to XXXX and that 's the point at which I was asked to open the account. The address I gave them was my new XXXX address, but when verifying my driver 's license they claim to have put the old XXXX address from my license into their system, so the credit card never arrived. 

I got a text message from Sears saying that I had a late payment. So I called them and told them I never received a card, and I need a card number in order to pay the balance. They allowed me to give them bank account information over the phone to cover the balance and they removed the late fees that had been applied. 

Because it had no balance and because I did n't have the card to physically use, I did n't think much of it, but I still never received the credit card and to this day never have. But after my car was broken into and documents that could be used to steal my identity were taken from it I was advised to monitor my credit score closely for accounts attempted to be opened under my name and information. It was at this time I noticed I had grossly overdue payments on the Sears card. 

I called Sears to find out how I could have missing payments with a balance of XXXX and was informed that when I gave them my information and said I wanted the whole balance paid that a small dollar amount, I believe between XXXX and XXXX XXXX dollars, was left on the account. I never said a number, only that I wanted the whole balance paid, so there is no reason they should have left any balance on there. 

The payments were very long overdue, and I was never contacted about any of it at any time, but my credit score has been damaged severely by this. Prior to this incident my payment history and timeliness was perfect, and I would have no reason to leave such a small balance and let it go unpaid for so long. I 've been advised to pursue a resolution and a repair to my credit score through the Consumer Protection Bureau first, and if that does n't fix the problem I understand that there are further legal options. I will also never do business with Sears again if this is not corrected. 

I do not have any documentation other than what 's on my credit report because Sears never sent me anything at all, but I 'm told that they are legally required to keep the documents that will prove what I 'm saying. The representative I talked to on the phone apologized and let me close my account but said nothing else could be done. Legal action has not been filed at this time, but will be if the issue is not resolved and my credit is n't restored.

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 monetary relief
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. {$420.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$500.00} This ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1400.00}. This ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. This ACCT. was charged off listed with wrong balance please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently pay a Perkins loan throught the University XXXX. That loan is serviced through ecsi.net. Not only does this servicer assert that a perkins loan is not elligible for income based repayment plans ( with no explination ), it also can be paid with a credit card, which seems counterintuitive. Further, on a loan that does not show any compounded or accrued interest, I pay XXXX % of each payment to interest, on a 5 % interest loan with no explainitory documentation. For example, on {$160.00} of payments, I have reduced the total balance {$110.00}, with no documentation provided about where the other {$50.00} went, other than " interest, '' even though none of my bills list the interest amount accrued, or that interest is outstanding. For each {$40.00} payment, {$12.00} goes to " interest, '' despite no interest balance being listed anywhere on my total balance or monthly balance. Finally, there appears to be no way to pay online ( direct from banking account or otherwise ) without paying a service fee. I think the business practices of ECSI are questionable and need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: XXXX the trading platform for Virtual Currency owned by Coinbase is a scam. If you look at the candlestick graph for each individual coin you will see they follow the exact same path. This is because Coinbase is allowing " price fixing '' by a robot across all of their virtual currencies or running the " price fixing '' bot themselves. I have complained several times and it is quite obvious it is being done. In a fair and balanced market there is no way all the stocks will follow the same trading pattern on the same exchange. It 's a scam and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Transunion ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX/XXXX ; XXXX/XXXX Also FALSE INQUIRIES should be Removed as well. Here are the following inquiries : XXXX/XXXX ; XXXX/XXXX ; XXXX XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to It that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!

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 06/25/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: after researching my loan information I realized that I qualified for a change in the due date of my car loan. After making the change in my due date from XXXX XXXX to XXXX XXXX I subsequently made my payment. I received my next month 's statement and noted that I was charged a late fee. After speaking to Wells Fargo Dealership Services I was informed that the late fee would not be waived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Portfolio Recovery Asso, LLC. is attempting falsely to collect a debt already discharged via bankrupts.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax refuses to address the issue of double-reporting of issues on my credit record

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing statement

Complaint: I received a bill from Citi XXXX XXXX showing a charge for new purchases in the amount of {$870.00}. As I use this card for my solar billing and my automobile insurance only, I could n't understand why it was so high. I also noticed that I was being charged interest in the sum of {$7.00} I immediately called Citi Simplicity and asked why my bill was so high and why was I being charged interest. I was told that I did n't pay my XXXX bill. I explained that the only reason I would't have paid my bill was if I did n't receive it. I told them they could and should check my history and they would see that I paid all my bills on time and in full. They did that and said they would credit back the interest as they saw that I did pay my bills on time and in full. I then paid the XXXX bill in the full amount of {$870.00} which was received on XXXX/XXXX/16. I have now received my XXXX bill and not only have I been charged interest on XXXX/XXXX/16 but my purchases total {$460.00} and it shows the New Balance as {$460.00}. I called and spoke with XXXX in Florida to see why I was being charged interest and why they added {$.00} to my bill. XXXX said that they charge 2 months interest, 1 month when they did n't receive payment and a second months for the carry over. I attempted to explain to XXXX that I should n't be charged interest as I should n't have been charged interest in the first place as I never received the bill. When I could n't get through to him, I requested to speak with a Supervisor. He told me that there were none available. He would fill out a form to have a Supervisor call me back but I have yet to hear from anyone. However he never attempted to explain why they were charging me an additional {$.00}. Maybe I 'm wrong but adding {$.00} to my bill would seem illegal or fraudulent to 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 monetary relief
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I had authorize a stop payment to chase two months ago and theyre still charging my account

Company response to consumer: Closed with monetary relief