milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX hosted a XXXX time home buyers seminar that was mandatory to attend to qualify for an XXXX county first time home buyers grant. While attending this meeting the Host of XXXX XXXX XXXX stated we could get a free copy of our credit report from them and it would not count against us as it would be a soft inquiry. XXXX XXXX Mortgage handed out an application to get our free credit report right after that and we thought that is what we had to fill out to get the soft pull. 3 days later a hard inquiry is showing up from XXXX XXXX Mortgage. After speaking with XXXX XXXX Mortgage and XXXX XXXX XXXX, XXXX wrote a letter the other an email to help me get this removed from my report. I sent these letters as well as an explanation to the credit bureau 's. Their response was I could not request for an inquiry to be removed only the company that pulled the credit could call the business department to have it removed. I forwarded this information on to XXXX XXXX Mortgage and was told it would have to be reviewed by there back office to see what could be done. I never recieved correspondence for 2 weeks. I call back and was told that they were unwilling to do anything at this time. 
I would like this hard inquiry to be removed from my wife and I 's credit as it was in error pulled by the wrong company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am challenging Public Record Information on my credit report of which I am stating is inaccurate in its filing. I understand the term " Dismissed '' to mean that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not and do not verify or provide information to the agencies. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal future objectives. Please advocate for me in this challenge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2017 about Debt collection (I do not know) with Oracle Financial Group LLC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Someone continues to call me from a company called Oracle Group. She originally continued to call me XXXX. XXXX is my middle name but she continued to reference it as my last name which led me to believe this could be a mistake. This person calls both my work and cell phone numbers and is very rude and aggressive. She gives the name of XXXX and can be reached at XXXX. She has called me from XXXX and XXXX. When I ask for her to send me something written so that I can verify what she is describing before speaking with her she refuses to do so, tells me the call is going to go how she wants it to and that she 'll only send me something once we 've reached an agreement and then eventually she hangs up as I continue to repeat I 'll only speak with her if I can see something in writing first. She is very mean spirited and refuses to provide me with any kind of written information. She initially said she would email me but then changed even that and said only under her terms would it go and that I was trying to control the call and that 's not how things worked. She then threatened to call my supervisor 's at my job and to send them a POE ( but would not tell me what that meant ). I will not be bullied into provided my personal and financial info over the phone to someone who will not send me anything in writing. It is extremely unprofessional and condescending.

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 06/23/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have requested on several occasions, both written and by phone communications that I want copies of all student loans procured with XXXX. I requested a complete detailed ownership chain as to who owns these debts, I requested each loan number, assignments of debts and any or all securitization trust these loans reside. To date there are no loan histories that I requested, including the name and serial number ( s ) of each trust there loans reside, or if they are guaranteed by the United States Department of Education, I demand copies of any securities agreement between myself and the Secretary of Education. I aslso requested a consolidation agreement sent to me on all loans. It appears that a number of my loans are duplicated on my credit report, ( See Attached ). Therefore, I need true copy originals of each validated loan transaction and a consolidation agreement to be mailed top me within thirty ( 30 ) days, along with verification of ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Student loan (Non-federal student loan) with Climb Credit Inc. (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I have to a non-traditional credit lender which partners with CodeUp, a coding bootcamp provider here in XXXX XXXX. I filled the application for the first time on XXXX XXXX and received an answer on XXXX XXXX that I did not qualify. They encouraged me to use a co-applicant to increase my chances, which I did by reapplying with my wife. And it did not even take 24 hours and I receive the same standard message of rejection on XXXX XXXX. 
Their website clearly specifies that they do not do hard hits on credit reports so we should not see any loss of points or negative consequences on our credit score. 
However, since the last application, they keep running our credit reports. The last XXXX was this XXXX XXXX, the XXXX time. I have not applied for credit since that second application, yet my credit report is pulled again and again. The same for my wife. 
I attempted to contact them to discuss this matter through the number provided on their website, but it keeps sending me to an automated message telling me the hours of operation and to call back. I have not heard from them despite my many attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On   XXXX   XXXX  -2017 I 've purchased a countertop and floor cabinet from Home Depot in   XXXX   MA for total of {$4500.00} include sales tax and I was able to pick up the floor cabinet on   XXXX   XXXX  -2017 and I kept waiting for Countertop that took 49 days later for the company to show up with only one portion of the countertop at that time I 've decided that I did n't want it anymore because I dint know how much longer I had to wait to the rest of the counter top and I refused the installation at that point and it was send back to Home Depot third party installer International Stone. In the same day I follow up with  XXXX  Home Depot to cancel the countertop delivery because I was going to found a company that would do it faster and in fact I was able get everything installed in five days later by someone else. Now the issue I 'm having is that no one at Home depot is able to credit my account for something I didnt get.
It has been a terrible experience trying to get anyone at Home Depot to assist me with this issue.
My regards,

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 09/26/2017 about Debt collection (Other debt) with Viking Client Services, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX I returned a rental vehicle to XXXX at XXXX XXXX in XXXX, Virginia. The signs at this location are very poorly marked. Additionally, it was the end of the day and some of the " standing '' signs were being moved, causing additional confusion. I mistakenly drove over the spikes which damaged all XXXX tires on the rental vehicle. I took pictures of the signs at the location and I have been trying to discuss this problem, as well as present the pictures to someone who understands the dangerous driving conditions and will acknowledge that XXXX caused the damage. 

I have received several phone calls and letters from Viking Client Services who will only state things such as " this is a debt '' and " you are responsible for paying. '' Although I always request to speak to someone else and to do whatever is necessary to get this problem transferred to someone who can understand what really happened, I just receive more collection requests, similar to the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company called me numerous times on my cell phone at  XXXX  without permission, acted negligently by not checking the donotcall list. They also violated a cease and desist and called with the intent to annoy. We received a response from counsel blaming  the 3rd party c ollector which is no excuse.The company stated they are a debt purchasing company and this is no excuse as well. Most companies have to scrub the account and do their skiptracing properly. They did not. They called with intent to annoy. Plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (VT).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have disputed the information but have not heard back from Experian as of yet. I was turned down for my vehicle loan because Experian put XXXX Fraud alerts on my credit report. I did not request for them to do this, they apparently took it upon themselves to put the Fraud alerts on their themselves. This was very embarrassing and I have not been extremely upset about the situation. I have asked them to remove this immediately as they have addresses listed that I never resided at, companies that I have never even worked with and phone numbers I have never had, etc. Can you please assist with 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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. XXXX did received payment and still report the account as DELINQUENT.

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 12/20/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I deposited XXXX state checks from my XXXX retirement fund, in person at chase on saturday XXXX XXXX 2015 at XXXX. Both the checks were over XXXX k but both are state or local government issued checks. I was planning on using some of this money to buy XXXX presents for my kids. The teller casually told me after i asked that it would be 2 days to clear ok no prob. But i look on reciept and it says XXXX XXXX. I have a credit uniom i can take them to that would make them available sooner. From what i read of cc federal reserve regulations this is a violation. Because i deposited a local government check in person i believe 2 days is the max hold. Am i wrong, and can i get the checks back monday morning so i can take them to credit union?

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (LA).
Issue: Managing the loan or lease

Complaint: PURCHASED MATTRESS AND WAS NOT TOLD ABOUT PROMOTIONAL PERIOD IT ENDED XX/XX/2017 I OWE {$390.00} ON PURCHASE AND NOW XX/XX/XXXX HAVE BEEN TOLD THAT I OWE AN ADDITIONAL {$300.00} I AM PREPARED TO PAY OFF PURCHASE BUT FEEL I HAVE BEEN DEFRAUDED TO PAY ADDITIONAL MONEY I AM ELDERLY ON A FIXED INCOME XXXX SYNCHRONY BAK

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 06/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with Citibank on XXXX XXXX, 2016. I entered the promo code " XXXX '', which was for a XXXX AAdvantage Miles bonus. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases with their respective debit card. I made the qualifying bill pays in XX/XX/XXXX and XX/XX/XXXX and completed the { {$1000.00} } spend in XX/XX/XXXX. I contacted Citi via online chat session in XX/XX/XXXX after I finished all the requirements needed and was informed that I correctly completed the requirements and should receive the bonus miles no later than XXXX 2016. I contacted Citi again in XXXX to see why I had n't received the promotion. XXXX XXXX, customer service rep, sent me an email saying I will receive the bonus in XX/XX/XXXX. I messaged in XX/XX/XXXX and asked about the mile and XXXX XXXX, customer service rep said : " I can confirm the miles have been processed to your AAdvantage member account. Please be advised it may take an additional 30 days for the miles to be posted to your AAdvantage account. '' In XX/XX/XXXX I called and asked about why my miles never posted as promised at least three different times and was informed that I was not targeted for the promotion and will not be receiving the bonus. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. How can they take away the promotion after I 've met the qualifications and they have told me to just wait it out multiple times? If I was never targeted for this bonus, why did they let me open the account, give me a promotional disclosure with the rules, tell me I would receive it over their online chat session, charge me a $ XXXX monthly fee for the account ( { {$90.00} } deducted total so far ), meet the rules and wait all this time before finally telling me, after I had to contact them numerous times, that they are n't giving it out?

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 06/24/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Accounts are pass the pass the 7 year statue of reporting negitive accounts. 
The following accounts have been repoting negitive as of XX/XX/2009 and Experian continues to report these accounts. 
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 explanation
Consumer complaint received 08/14/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (ID).
Issue: Problem adding money

Complaint: On XXXX XXXX, 2017, I transferred XXXX bitcoins from my Coinbase " vault '' to my Coinbase Bitcoin wallet. As of this date the transaction has not been " approved '', leaving the money not accessible and unusable. The support team at Coinbase has not responded to my many requests for help or action on the problem. There is no way to get directly in touch with anyone at Coinbase. I have since withdrawn all my money from my USD Wallet. I am in fear of loosing the XXXX bitcoin, which is today worth {$2000.00}, a considerable sum.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: GM Financial Acct # XXXX XXXX XXXX XXXX 1. Havent updated credit report since XX/XX/XXXX 2. Balance shown {$1500.00} 3. Paid {$550.00} XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX = XXXX 4. GM Financial shows las payment of {$420.00} 5. Contacted GM Financial 6 times and they reported to me that they have to check each account prior to updating records. 
6. No date given as to when this will happen.

7. Car is a lemon and has been undrivable for 4 years. Dealer refused to honor warranty and replace battery. Two recalls for electrical system problems and now is in XXXX dealership and will cost ~ {$2000.00} to fix. 
8. Bought car with XXXX miles on it and currently has XXXX miles. This car has cost me over $ XXXX mile to own. Worst car I ever bought! 
XXXX XXXX XXXX XXXX XXXX % XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2015 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Threatened that I would be sued or was being sued by HSBC. This caller ( with a masked caller ID XXXX stated that '' he did n't want to have to notify XXXX named my employer ) with this '' XXXX take it to them XXXX but had to speak to me TODAY. I researched and found that HSBC might mean any number of companies of credit. I have had no contact with any of those companies in more than XXXX years IF at ALL. I firmly believe that this company is pursuing debts that exceed the statute of limitations and are trying to use bullying tactics to do such. I did contact a financial attorney today and informed him of the issue and the recording I have of the gentleman threatening to contact my employer about a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XX/XX/XXXX via the credit unions website I applied and received and acknowledgment as to receipt of my application for checking & savings account. a few minutes later I received a notification that my account services had been opened. I would receive my welcome package in 7-10 days. I was also told that my debit visa card was unable to be processed for the initial deposit. I reached out to my other bank and there was sufficient funds and not issue with the card itself. I called navy f.c.u. to have the card processed again to be told that my account was now under review without any further explanation. On XX/XX/XXXX I called to follow up regarding the status of my account and after 20-30 minutes of being told let me check the status of your application, to let me speak to the review department, to let me speak with the back office, team membership specialist : XXXX XXXX I was now being told that I had to submit via fax a copy of my government issued identification along with a current bill showing the mailing address. A financial institution that isn't honest a forthcoming with the truth as to why they are selectively discriminating against the opening of my account. What algorithm of database are they using which probably contains false, erroneous information to justify discriminating against individuals. I asked the customer service rep. I spoke to that I wanted there request be sent to me in writing and they said they would not do that which makes me SUSPICIOUS of the tactics of NAVY FEDERAL CREDIT UNION!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: experian, Esperian is not allowing me to access my credit history in written form and on the internet. The internet sit does not function correctly and it is creating a catch twenty two situation of a endless loop around and around the system which will not operate correctly. 
I want my credit history sent to me by snail mail and on the internet on demand ; which I have a legal right to access by law.!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief