milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Account as well as XXXX XXXX are showing late payments for me on my XXXX and Experian credit reports. For XXXX XXXX it is showing a late payments for XX/XX/XXXX and XX/XX/XXXX and for XXXX XXXX its showing a late payment for XX/XX/XXXX. I have NEVER been late paying neither one of these accounts and this information is unverified and completely FALSE. These late payments are NEGATIVELY impacting my credit scores and needs to be addressed immediately. I have tried disputing these items previously with no conclusion or resolve.

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 12-01-2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for XXXX more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First of all I have no idea what this charge is for or when it originated. if it originated on the day that XXXX on XXXX XXXX of 2015 I have insurance through my job at XXXX XXXX XXXX and there should be no reason why there would be any charge on my account especially at a hospital. Also, it shows on my closed accounts that this same charge had been closed previously and reopened multiple times after I challenged XXXX it reopened in the other ( XXXX to XXXX ). Which seems to me to be sneaky, if you close it close it. I disputed it on XXXX saying I have no clue about this charge and they did nothing and showed me no documents on this charge. I really have no idea what its for. I have had insurence for the passed few years and have n't even seen a hospital. It is seriously affecting my credit unless it can be justified somehow I see no reason for it to be there. I do n't have any recollection of a almost {$900.00} visit. Please help. Show me documents, something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Account opening, closing, or management

Complaint: Today on XX/XX/XXXX I had tried to log onto my chase account and I could n't. I called chase to see why my acsess had been restricted and I ca n't get one piece of information about my own account. Nobody will help me to find the reason why I do n't gave an account anymore. They wo n't let me get my money out so I can close the account. Nobody contacted me about the fraud or the account closing

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Other mortgage) with EXETER FINANCE CORP. (VA).
Issue: Application, originator, mortgage broker

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Exeter finance corp on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Exeter finance Corp XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with Capital Accounts, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Auto debt) with Bridgecrest Acceptance Corporation (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Bridgecrest falsely reports a debt for {$16000.00} from XX/XX/XXXX to XX/XX/XXXX have received threatening letters and phone calls from the debt collector

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from XXXX proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on XXXX  reporting of this loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to first find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: They close my account. So i thought my account was close. But i still had balance. Which i have not received bill information on my account. So they put me later on my credit report. My account is current. Try call have them take it of my credit report. But they gave me the run around. Comenity Bank/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PORTFOLIO RECOVERY IS REPORTING THAT I OWE A DEBT IN THE AMOUNT $XXXX I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Other financial service (Credit repair) with Alliance Data Card Services (IN).
Issue: Unexpected/Other fees

Complaint: Got a bill on an account I never knew I had for {$130.00} from PAYPAL CREDIT. Used it 4 years ago and was never informed before using it online with XXXX that would be additional charges. Used it a few times and never got any info from them until now!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with TD BANK US HOLDING COMPANY (CO).
Issue: Late fee

Complaint: I made my credit card payment on a Saturday XXXX the day it was due. I was assessed a late fee for the payment. I contacted the credit card company-target, they said the payment was due by XXXX central time. I made the payment at XXXX ( my time which is mountain time ). My understanding is that payments made on weekends, holidays etc are not 'late ' according to the new credit card protection laws. 
Last month my payment did not go through electronically, although I had a confirmation number-target issued a refund for that late fee due to the electronic mixup but that set me up for not having my late fee waived again for customer service issues. 
Target then suggested I could have made the payment via phone, if a phone payment is not late then an electronic payment should not be late either. My bank is still closed on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am submitting a complaint against the National Collegiate Student Loan. This debt was included in my Chapter XXXX bankruptcy but I am still being contacted by several different debt collection agencies regarding this student loan. I originally got the loan through XXXX XXXX XXXX in 2004. I never missed a payment on the loan until it went to bankruptcy. I was sent to XXXX different collection agencies. Once I send them my bankruptcy information they leave me alone for while and then after some times goes by another agency starts contacting me. I tried to work out something through the company I was paying ( AES ) the National Collegiate Student Loan but they would n't work anything out ( This was done before the bankruptcy ). The loan never went down since I was paying on it and I ca n't afford to pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (FL).
Issue: Closing on a mortgage

Complaint: I closed on a refinance on XXXX XXXX The amount of new loan is signed off as {$160000.00} Total closing cost was {$3400.00} Closing cost paid before closing {$10.00} Total payoffs and payments = {$130000.00} Credit card # 1. {$6100.00} Credit card # 2.  {$22000.00} Credit card # 3. {$6100.00} Credit card # 4. {$5500.00} LoanDepot mtg {$99000.00} Total payoff/payments = {$130000.00} Cash to close is signed off as {$21000.00} I only received by wire first {$670000.00} and about a week later {$14000.00} which totals = {$21000.00} I am missing {$430.00} as it is signed off. 
I was sending numerous emails stating the money was short {$430.00} I was then told they paid my property taxes which are as mailed to me {$1000.00} if mailed by XXXX XXXX. Then Loan Depot told me they increased my property tax payment by 10 % as they can do that they stated? 
Why is that? And what does that have to do with money missing on signed off loan? As my Mortage company Loan Depot is also my escrow agent, can they do that? And what about the extra principal $ $ $ I have been paying on old loan?

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Modification states Deferred Principal of {$31000.00} will be Cancelled Debt in XXXX over a period of time. However Select Portfolio sent a XXXX for the full amount of {$31000.00} for 2015 and thus we reported on taxes and all IRS docs full amount of Cancelled Debt for 2015 from Select Portfolio is {$31000.00}. 
Select Portfolio Monthly Statements still reflect only XXXX has been cancelled. Leaving a balance of {$21000.00}, which is incorrect as IT HAS BEEN CANCELLED as a part of the {$31000.00} as reflected on the 2015 XXXX. Select Portfolio states that is simply how they do it. I said it should NOT be on a statement as owing at all it has been cancelled via the XXXX. They said there 's nothing they can do. How can we owe something that has been cancelled? How can they filed an IRS doc stating it is Cancelled debt and not Cancel it on our account in full?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Medical) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was not discharged in bankruptcy but this was the only option above that was close to choose from. The XXXX refuses to remove the adverse reports from my credit file which is causing a negative impact on my credit scores despite several XXXX balances. The information is from medical billing that was caused by a current malpractice case. I am suing the Dr. for a procedure that was unnecessary. 
I have paid the debts ( and yes they were late ) and explained the circumstance which caused them, but when speaking with the supervisor XXXX from the agency, who BTW I asked for because the representative before him was rude and argumentative, insist XXXX that XXXX is not enough to remove it although it is XXXX of several reasons he gave for cause from his agency to do just that, and that the information on the collections was given to the agency late, not initially when the debts came in and that it accurately reflects who I am and the situation ( which it does n't fully ) I tried explaining that in my several disputes through XXXX, Equifax and XXXX ( who by the way REMOVED this from my XXXX to them ) I used the word litigation-he said that this was not XXXX for which I disagreed. 
I just want them to understand why the negative information is on there in the XXXX place and kindly remove it. since it should not have made it there to begin with. Not all but some of the representatives were rude and threatening that I have spoken with. This is so layered with incomplete notes from communication on their part and I feel helpless with a resolution. This company 's arrogance is not OK and should be investigated thoroughly which is where I think that you can help please. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IN).
Issue: Money was not available when promised

Complaint: I 've had an account with Coinbase for many years. I have been fully verified for a long time with an account withdraw limit of {$100000.00} per week. Suddenly, on XXXX XXXX, I was no longer able to transfer from my cash balance to my bank. Specifically the error message says " Before you are able to complete this withdraw, you must provide additional information ''. Coinbase already has my passport, DL, SS, address, phone number, linked bank account, etc. and my account is fully verified. I tried reloading my Passport and then my DL. Even though I 'm fully verified, Coinbase 's automated system is requiring additional information, yet rejecting all the additional information I submit. I 've written daily since XXXX XXXX and somehow managed to get 2 different case numbers ( XXXX & XXXX ). Despite my 12 messages directly to Coinbase 's customer support, I 've gotten no reply. I also reached out to Coinbase via XXXX with 4 more messages several days ago. As did my wife with 2 more messages 2 days ago. There 's been no reply. 

I would like to be able to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: PNC XXXX XXXX Bank sent me a notice from XXXX stating that they have automatically enrolled me in their " protection '' services. It was my responsibility to call before XXXX XXXX, 2015 to " disenroll ''. I did, but to disenroll, the amount of information they were asking for was staggering. I refused to provide them any more information than they had on the letter. They did n't any of that information from me to " automatically '' enroll me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Recovery Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Recovery started calling my cell phone in approximately XXXX 2012. The first message said, " We have your social security number on our desk, it will be turned over to our attorney unless you call back before XXXX today! '' I called and they said the debt was for another person, it was n't my debt. Further, I found it was my husband 's ex-wife 's attorney bill. Her name is on the account. I received more calls & would select the option for " do not call, I am not the correct person. '' I even got a call after midnight. I have a screenshot of the phone call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Dear Sir/Madame I previously filed a complaint, case  XXXX . The account is now closed however I disputed the companys last response. Their last response was explaining what the origin of the loan was and dates it was charged off. I understand the account was mine and where it originated from that is not my complaint. I do n't agree with the fact that they are still trying to collect on a charged off account and tht after 7 years they still have the right to report on my credit repor ts. Generall char ge off accounts are allowed up to 7 years to report. I want to know how cnan they stil be legally allowed to report this on my credit report and if it is a charge off why are they still trying to collect on this after 7 years. When will they be removed from my credit and what is the legal time allotted to report on my credit for this charge off?     Thank you  XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XX/XX/XXXX  , I requested verification of debt a nd two late p ayments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FD CPA 807 [ 15 USC 1962e ] this is a  violation

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 04/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an account on my credit report with XXXX, because they have not been able to provide me with specific account information and violated the XXXX code by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. I had also provided Experian and XXXX with a copy of the letter stating they would remove the account from my credit report, yet they XXXX verified the information as correct. They did not even review the information that i added with my dispute. In additionXXXX has not followed through with their remedy. i have attached a copy of the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home almost 2 years ago. At the time, I asked the BOA representative how would we be able to remove the PMI from our loan. I was told once the LTV ratio was below 80 %, I would be able to contact BOA and have them remove the PMI from the mortgage. We recently reached the 80 % LTV ratio so I contacted BOA to have them remove the PMI. I received a letter from them stating in order to do that I would either have pay a {$440.00} appraisal fee to have it removed immediately or wait and pay 3 more years of PMI to have it removed without an appraisal. I believe this is unfair because at no point in my conversation with the BOA representative did he mention the loan had to be a certain age or we would have we would have to pay an appraisal fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation