milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately!     XXXX / No know ledge of this debt!  XXXX /  XXXX -No knowledge of this debt! Ive never had a  XXXX  account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently!    XXXX  reports   XXXX   times, have n't even been to college so this could not be true! I have no knowledge of this debt.  XXXX   XXXX , Same as stated before, I have no knowledge of this debt.     XXXX   XXXX   XXXX  - No knowledge of this debt.     XXXX   XXXX  - No knowledge of this account!     XXXX   XXXX   -No knowledge of this debt!    XXXX   XXXX  -No knowledge of this debt!   I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit!    XXXX   XXXX  /    XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX    All these inquiries are unauthorized! Please help me to remove these things off my credit.  They are stopping me from moving forward and this is very much unfair because this debt does not belong 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 explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX Bank of America responded stating that they had assigned me a resolution specialist, XXXX XXXX XXXX, and that I should make contact with her. I called the number ( XXXX ) a total of five times, and I left voice messages. No one ever contacted me, or responded to my calls. I recently received a letter via XXXX stating that I did not take advantage of the assistance from their company. This was not the case. Bank of America has a way of making their customers appear as being the wrong-doer. Bank of America appear that they are helping their customers, but in reality they are not. It is not by coincidence that there are many customers who are dealing with or who have the same experience with Bank of America as I have. 
In addition, I was a victim when I received this adjustable mortgage. I was part of the bad mortgages that was being approved back in XXXX when Countrywide sold my mortgage to Bank of America. I 'm XXXX with a reliable job, and is capable of making a reasonable mortgage payment as I always did prior to XXXX when my terms changed. The person who sold me my home ( XXXX XXXX ) who worked with the broker to get me such mortgage is now serving prison time in a federal prison for mortgage fraud. I feel that Countrywide and Bank of America knew what they were doing when they approved these adjustable mortgages to later foreclose on people 's homes.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian is still reporting my XXXX account as having two delinquent payments in XX/XX/XXXX. I had this matter resolved last year and contacted the CFPB last XX/XX/XXXX to get this matter resolved. They corrected my credit report, but now they have put it back on my credit and it is affecting my score.

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 12/20/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (TN).
Issue: Fraud or scam

Complaint: I hired a wedding planner in the XXXX - Vals Wedding. My fiance and I paid a {$500.00} deposit to secure our wedding date back in XX/XX/XXXX, yet were just told that the wedding planner is no longer going to perform wedding services. She has referred us to another company that will honor the prices she provided, however our deposits have not been returned. There are appx XXXX brides that have been put in the same situation. The planners website is https : //www.weddingsindr.com/. Transaction was made via PayPal. XXXX has stolen our {$500.00}, and will not respond when the brides inquire about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Cavalry portfolio services a debt collector bought the debt from XXXX on XXXX which was to drop of my credit report onXX/XX/XXXX XXXX is no longer on my credit report. Cavalry Portfolio Services remain  and is scheduled to remain until XX/XX/XXXX.They have called friends in Ohio my XXXX job. I need them to removed. The account # XXXX There address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I live in XXXX XXXX. My email is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX 2015 we decided to refinance our home so we call our bank they assign me to a sales agent but it was really hard to get a hold of him after a month we call again so they can assign our loan to somebody else they did and the lady sent us an estimate of how much our interest was going to change we agree and they charge my account for the application fee, appraisal and record but they never ask me anything they just told me that it was pretty much approved that everything look good that they needed to send to underwriting for approval they charge my account almost {$900.00} after 2 weeks they call me and told me that they denied my case because a part of my house was modified and that the money was n't reimburse I told the mgr why did n't they told me before they charge my account the requirements to approve a loan they never ask me this questions and they are some lenders that they do accept this if I would know I would n't done it and she told me well we ASSUME that there is no problem with the house and if we ask this questions the process is going to be longer. They need to be more professional by asking questions and letting the customer know that if something goes wrong they are going to lose the money by the way the mgr is really rude!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a credit monitoring account and it showed that my inquiries were removed on Transunion. I received an alert a week later and all of the inquiries were listed on my account again. Transunion did not notify me of this taking place which is illegal. I called them to remove the inquiries but they only removed 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 10-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Our complaint is against XXXX and BOA. 
Our original loan was taken out with BoA which had agreed in XXXX of XXXX to a modification that we had requested in XXXX because of a drastic change in our income. We had never been late, or behind, and according to BoA have been super responsible to come ahead of time to see what could be done. So from than to including XXXX XXXX, numerous failed attempts of BoA to put the modification in their systems to reflect properly. We have XXXX folders full of written communications with XXXX XXXX, teamleader and assigned manager to deal with the problem, as well as voicemails, from him and other employees working for the office of the president of BoA reassuring us that the modification is completed, and we would get out credit repair and a letter of apology. In XXXX of XXXX we where told that BoA exidenly assigned the deed to XXXX. BoA send a Fax the same Day to XXXX from their Legal department and provided a fax for us as well to proof that they are getting the loan back. Upon further research we found that XXXX does n't own the loan, the deed is held by XXXX XXXX a division of XXXX and not XXXX. XXXX threatend to foreclose, and BoA would stop it, all along promising all is well, and because BoA was always stopping all actions taken by XXXX we believed. Until we ended up having to file bankruptcy to stop forecloser action the morning of, even though we had been told by Bank of America not not to worry everything is fine on the same day. We had to get a lawyer which, has created a lot of off out-of-pocket expenses. We ca n't get BoA or XXXX to finish this or even give us an answer! We think that this is unacceptable, plus now we are finding evidence that transver was n't handled lawful.BoA advised us to not make payments to XXXX, because we would admit to the original dead, and modification would be canceled out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have 3 cards with Barclaycard. Previously they were in good standing however all of a sudden Barclaycard decided to close all my accounts and triple my minimum payments. they have been also adding a lot of extra fees and interest. I am a XXXX XXXX XXXX veteran who has been going through severe medical issues and this company is trying to capitalize on my misfortune. I have been diagnosed with XXXX a severe life long XXXX XXXX that has affected my ability to work full time. 

Instead of working with me Barclaycard pushes my balances higher and higher with exhoirbanant fees and interest. This company is a heartless being. I have repeatedly asked for a lower payment plan and lower interest rate but they refuse. 

Then on top of my medical issues Hurricane Irma hit my area and resulted in damage to my home. Again, no relief from 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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
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 obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX  and XXXX reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: To whom it  may con cern,  XXXX   XXXX ,  2017    I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017    and they completed the request on  XXXX   XXXX ,    2017. T he request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which w as Inquires are a f actual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer  In  best regards,  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 01/25/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: We wired in XXXX XXXX Dollars ( {$90000.00} ) to Coinbase via Wire Transfer with a Confirmed Receipt the Same day. 

Subsequent to that time no Funds have been deposited or credited by Coinbase to our account. The funds and either missing, stolen, or in some kind of limbo with Coinbase. 

We have attempted to contact Customer Support by Email and Phone more than two dozen times. The only response received have been Automated replies. We have requested return of the funds or credit for the funds. 

We have kept meticulous records of our contact including emails, calls, and non responses by Coinbase. 

It was only after the fact that our funds went missing that we read online that this same scenario is happening to dozens of people.

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. (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: we are behind on our mortgage payment and we are trying to keep the loan from going in Foreclosure. the bank says there is a Breach letter that expires on XXXX XXXX today XXXX i tried to make at least XXXX payment to keep the loan from going to fcl. they are not allowing me to make a payment even before Breach letter is expired. they are clearly in trying to take my house by not accepting any payments. we dont have {$7000.00} to bring the acoount current right now. but we can make XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Shopping for a loan or lease

Complaint: I called my current bank to ask for a refinance on my current car loan. I am currently at a 6.9 % with 54 payments to go. I have improved my credit greatly since I took out this loan. They approved my loan and then offered me a rate higher than what I have at the same number of payments left. I did not know a bank can try and put you into a loan that created no benefit and raises my payment and term.

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 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Online Information Services placed a collections on my XXXX, XXXX and XXXX credit report. They say that I owe someone for a medical bill. I did have a XXXX that left me XXXX but and I paid all of my co pays and deductibles. I was n't aware that I owed any medical bills so I called them and aske that they send me the information to verify the account. The representative told me that they are not a billing agency and they are not required to send me anything. I was ill and was n't aware that they had reported this on my credit. I only recently got the free credit report and found this account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: After noticing several invalid charges in a XXXX XXXX, XXXX statement, I sent Select Portfolio Servicing, Inc. ( " SPS '' ) a Qualified Written Request ( " QWR '' ) challenging {$670.00} in insurance charges and {$660.00} in eviction charges. Since I have never let my homeowners insurance lapse and have not been evicted, these charges were obviously wrong. 
In response to my QWR, SPS removed over {$5000.00} in forced placed insurance charges and {$660.00} in evictions charges. SPS ' excuse for charging me over {$5000.00} of forced placed insurance was a rescinded foreclosure sale in XXXX of XXXX. 
However, the unlawful sale was rescinded almost immediately and my homeowners insurance was still in place. SPS gave absolutely no valid reason for charging me Eviction Fees and Costs in XXXX XXXX other than " because we can '', and the charges were clearly removed because of my QWR. SPS failed to provide any details for the charges or to identify who provided the " service '' for which I was charged.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve 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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.

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