milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In the beginning of XX/XX/XXXX, I had gotten denied for an apartment where I was required to pay XXXX XXXX for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX XXXX loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged. After contacting the local county clerk 's office by mail on XX/XX/XXXX, inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.

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 03-06-2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Customer service / Customer relations

Complaint: Regarding CFPB Complaint # XXXX : On XXXX XXXX, 2017, Citibank stated that it would contact the major consumer reporting agencies to request the removal of any data related to my consumer Home Depot account from my credit history. I accepted this resolution and the dispute was closed. 

However, on XXXX XXXX, 2017, I received XXXX letters from Citibank ( see attached documents ). XXXX of them acknowledging the agreement and the second XXXX retracting 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 02-11-2018 about Debt collection (I do not know) with American Profit Recovery, Inc (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: This lady called me about a settlement offer. She stated that she was from American Profit Recovery a firm that she represents. She want d all my personal information identified by me but I told her that I would need a letter stating what this matter was about. She then proceeded to start yelling and told me I would be going to jail if I did not corporate. I hung up. Then a XXXX XXXX calls later on from the same number and leaves this message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In early    XXXX   I re ceived   XXXX   emails from Best Buy advising me of  XXXX  orders. I did not purchase anything. I immediately called Best Buy to advise them that they were fraudulent. I also told them that since the orders were not shipped that they should cancel them.   I was transferred to Citibank to report the situation. They advised me to cancel the card and they were to issue me a new  one.  He assured me that I would not be responsible for the charges.  Two d ays later I received notice that  XXXX  of the  XXXX  items were shipped! Mistakenly I thought at that time it was handled. On   XXXX   XXXX   I received a bill for these purchases. I immediately contacted Citibank and at that time the representative said she would start a claim. I guess the representative that took the original call did n't properly deal with the issue.   Now I receive collection calls every couple of days. On  XXXX  I called Citibank again and told them to stop the calls. I also complained on the Citibank social media page. The  XXXX  rep gave me a number to call and after speaking to two reps I was transferred to an answering machine where I was told someone would return my call in  24-48 hours .   I have made several calls, emails, and messages. All I get is an  endless trail  of voice prompts and empty apologies. I have a credit rating of over  XXXX . I do n't want this to do any harm to that and need the phone calls to stop.

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 07-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Debt not mine. Someone had opened an account in my name. Please have this debt collector remove from my XXXX and XXXX reports : PORTFOLIO RC COLLECTION/CHARGEOFF Other {$910.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX  Account Number *********XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$910.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: In all my credits reports appear that I authorize to request my credit report to different banks when I did not authorize this. The companies are : 1. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX-XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6.XXXX XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XXXX XXXX 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 06/14/2016 about Debt collection (Medical) with HOVG, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I WAS ILL AND THEY WERE MADE AWARE BY SS OF WHAT TO CHARGE SO I WOULD N'T BE OUT OF POCKET I DID EVEN NOW I OWED TILL I CHECKED MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An auto loan with Wells Fargo Bank was paid off in full in XXXX XXXX for the amount of {$370.00}. Wells Fargo wrote on XXXX XXXX XXXX that the auto loan was satisfied in full and submitted a request to XXXX Credit Reporting Agencies - XXXX, XXXX and XXXX - to update my credit report. 

Subsequently when I applied for a home loan in XXXX XXXX, it transpired that Wells Fargo had reported that the loan was either charged off or written off and I still owed money on this account which is false as the amount was paid in full. So my credit report is adversley affecting my chances of obtaining the loan as requested. Wells Fargo have admitted their error and have submitted a request to the Credit Agencies to update their reports but say that it will take 30 to 60 days for this to happen. Time is of the essence and I have waited almost 5 years for them to rectify this. 

I have called Wells Fargo several times to try and resolve this matter by asking them to do a rapid rescore and send it to the Credit Agencies as soon as possible. My initial contact was XXXX in the Executive Office who gave me a Complaint Case # of XXXX saying that it would take 10 business days for this to happen and referred me to a XXXX XXXX ( Tel XXXX XXXX XXXX ) with whom I left messages to call me to no avail until I reached a colleague of his, XXXX, who sent a text to both XXXX and his boss , XXXX XXXXe ( Tel XXXX XXXX XXXX ). I subsequently had phone calls from both explained the situation and of the massive importance of the requested rapid rescore. XXXX has twice written to me to admit Wells Fargo 's error and XXXX telephoned me to say she would not do a rapid rescore and that the 10 business day alternative would be the only resolution. The 10 business day period is now over and I have phoned both XXXX and XXXX and left messages for them to call back but neither has bothered to do this. 

This whole matter is badly affecting a ) my credit score b ) my chances of a private equity loan and c ) my health as it has caused me much XXXX and has led to me having very XXXX XXXX XXXX levels and XXXX XXXX. It has also meant that the home we picked out has risen in price by {$3000.00} and we are potentially going to lose our preferred lot. This will likely also cause increases in my home and car insurance policies. 

Wells Fargo Bank having admitted their error should be making every effort possible to resolve this for me as quickly as possible and it seems the only way I can get something done is by contacting you. 

The documentation regarding this is attached in the relevant section.

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 04/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I paid my loan, but the lender has n't acknowledged my payments.

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. (ID).
Issue: Fraud or scam

Complaint: I am contacting you to report a fraud perpatrated on me by the company Coinbase located in XXXX California. On XX/XX/XXXX I placed a sell order wire for XXXX Btc or {$360.00} from my Coinbase account to my credit union bank account, Coinbase transaction history notes showed that the transaction ( XXXX ) was completed on XX/XX/XXXX however the funds were never received by my bank. I contacted Coinbase via email and phone over a dozen times as well as sent them bank statments It is now XX/XX/XXXX they have never once looked into the case and have not returned my missing funds. I sent the requested documents including my bank statments to prove funds were never received to XXXX@Coinbase.com. I also contacted support XXXX in XX/XX/XXXX XXXX a manager on XX/XX/XXXX also several other managers and support members and have email corespondance as well in each case, they say that thier team will fix it but I have never received one email from the Coinbase internal team that is supposed to fix and return the money. I feel over 4 months should be a more than reasonable amount of time to correct this error and return my funds and and is also a clear violation of thier printed resolution timeframe of up to 45 days. At this point I am not sure what they are doing with missing customer funds but feel I have been mislead and misrepresented by Coinbase. 


They have a policy clearly noted on thier website that they have not followed, I have copy pasted it as follows : ( We will determine whether an error occurred within 10 business days after we hear from you and will correct any error resulting from a technical mistake, misrepresentation, or omission by Coinbase promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. 


We will tell you the results within three business days after completing our investigation. If we determine that there was an error, we will promptly correct the error. If we decide that there was no error, we will provide you with a written explanation. You may ask for copies of the documents that we used in our investigation. )

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: I HAVE FRAUDULENT INQURIES STEMMING FROM A VECHILE LOAN I NEVER TOOK OUT AND XXXX AT THAT FROM COMPASS BANK, I HAVE AN ACCOUNT FROM THEM BUT NEVER HAVE TAKEN NOR APPLIED FOR INDIRECT FINANCING. I HAVE HAD A GREAT RELATIONSHIP WITH COMPASS THUS FAR AND BEMUSED THEY WOULD UNDER " XXXX XXXX XXXX '' RUN A REPORT THAT CAUSED A MIXED FILE. ITS ILLEGAL AND UNETHICAL I WANT ALL INQUIRIES REMOVED AS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was informed via Kohls department store roughly a year ago that a person in XXXX was able to use my social security number to use my Kohls account. This individual had charged hundreds of dollars to my account. I filed a police report after realizing this individual opened several accounts in my name. Kohls also filed a report and removed a portion of the balance. However, after me complaining several times the company continues to call me and THREATEN me. Claiming they will send someone to my house to collect the money and that I will go to jail. Every time I try to explain that these charges are not mine and that Kohls said they would remove the remaining balance, they hang up on me but not before I get another threat of XXXX. This is now on my credit report. Because of my social security number being used I actually was scammed out of {$600.00} from another so called collections agency. Please help me with this situation. I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The XXXX XXXX XXXX acct. was not mine, although it is showing on my credit report. I was an authorized user for the gentleman who owned the account. He is handicap and sometimes I did his grocery shopping and banking when he got sick. He filed bankruptcy in XXXX of 2014

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a $ XXXX {$920.00} XXXX XXXX Alabama charge originating in 2014 on my report. My account with XXXX has been cleared, I discussed and confirmed with them today at XXXX. This is fraud, and the Credit Mamagement ( their spelling on my credit report ) Company has been flagged and reported as a fraudulent debt collector. I do n't have any supporting documents because a legitimate account for this dispute has never existed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Trouble during payment process

Complaint: I am in active chapter XXXX bankruptcy. Bayview refuses to provide any information about my loan ( distribution of funds, current balance, payoff amount ). <P/>I have several prospective buyers for my house, but can not discuss offers without knowing the payoff amount. Bayview said they will only provide that information to my attorney. <P/>My attorney sent a request to Bayview last week, but to date there has been no response. <P/>I am concerned that I may lose a prospective sale due to Bayview 's lackadaisical attitude and notoriously terrible customer service. I am trying to sell my house so I wo n't have to deal with this useless company ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I got a call from XXXX and they said they collecting for American Credit Adjusters okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called National Credit Adjustors, and ask why was this reported XXXX when we paid it in XX/XX/XXXX!! All they said was sorry we will updated the balance to {$0.00}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (NY).
Issue: Delinquent account

Complaint: Hi, My credit card bank ( XXXX ) just close my account recently and report 2 late payment to a credit monitoring company ( XXXX ) witch result to dropping my score from excellent to good..well I always have issues getting my statements by mail and a reported that to them in many occasions, last 3 months they just stopped sending statements and all I got from them is a letter that state my account was closed and about {$75.00} of late fees..i called them to discuss the issue and their response was total ignorance ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have been charged XXXX dollars so far this year in over draft fees. I got a phone call from the manager at PNC and I tried calling back several times and no one has returned my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called NCC business services is reporting a debt which I know nothing about. I asked for validation of this debt but no response. I do n't owe these people anything.

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 06-01-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
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 about end of  XXXX  of  XXXX  I order  XXXX  pairs of shoes fro m Macys.  I received  XXXX  pair only. I called them and they re order me the other pair. When I received them, they where too big. I returned them in the store located in  XXXX   XXXX  in Florida on  XXXX   XXXX  of  XXXX , I have a received from the store. I later get a bill statement from  Macys char ging me for this item. I called them and after abou t 15 mi nutes of listening to all these offers before getting an agent, I explained the situation to the agent. She said that I still owe the shoes, I gave her the number on the received and she had to call a supervisor to adjust my bill. They said that my balance will be adjust within 48 hours but that it will be on  XXXX  balance.   The following month I received another bill, I am upset at this time. I called again customer service and again afte r 20 mi nutes of offers, in this case I am furious how difficult it is to get through someone before listening to all these offers. I explained the situation to the agent, she was very polite but at this point I had no care for politeness, I want to speak with a supervisor because she was not understanding my problem. She explained that I owe the amount for what ever reason, I was not interests at this point, I wanted a supervisor, I gave her the name of the supervisor that I had from the previous call and that is when she put me on hold. she came back stating that there was a mistake and that they will adjust my bill and that my balance was  XXXX .   Again, this month I received another bill with late fees and all. I tried to call customer service, but it is ridiculous how you are placed to offers one after another, running my phone minutes. at this time I am done trying. I do not know what else to do or who to go to. Please, help!!

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 10/24/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: nationwide Recovery services was removed from my XXXX report because i disputed it now they have added XXXX accounts back on my report which were the same ones i disputed.

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

Complaint: I have made several attempts to get the debt collection agency to validate the alleged debt upon proof claim via of bona fide documentation. They have remained tacit in this regard and have never responded to any correspondence sent to them and have violated several parts of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation