milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed adverse accounts on my consumer file in XXXX, XXXX, XXXX XXXX XXXX accounts I was requesting to validate that these debt belong to me but Experian failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

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 01/23/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Wells Fargo Bank financed my purchase of a XXXX XXXX XXXX in XXXX, after I placed a {$5000.00} down payment ( acct # XXXX ). I have never missed a payment and XXXX XXXX XXXX XXXX claims that I owe them for 3yrs of  auto insurance and because I refused to pay their excessive unnecessary insurance fees, Wells Fargo Charged Off my auto loan and refused my payment of {$450.00} in XXXX of XXXX. Wells Fargo Bank reported this false debt to the credit bureaus and increased the monthly payment amount to almost {$600.00} per month. I complained to the credit bureau about this and was informed that their ( WF ) reporting was improper. But they ( WF ) refused to retract their demand for payment for 3 years of insurance coverage. I have never had an insurance claim with my insurance company ( XXXX XXXX XXXX ), nor have I ever filed a claim with W.F. I have never been answered as to how can they ( WF ) can Charge Off my loan without ever missing a payment. Last year XXXX or XXXX of XX/XX/XXXXWells Fargo publicly announced that they had over 500k auto loans customers that had forced insurance wrongfully places on their accounts. Some even had their vehicles repossessed!

Company response to consumer: Untimely response
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015 I had cancelled service with XXXX. I then received a bill dated XXXX/XXXX/2015 for {$110.00} to be paid by XXXX/XXXX/2015. 

On XXXX/XXXX/2015 I was contacted by Diversified Consultants a collection agency representing XXXX saying I owed them in regards to XXXX the amount of {$110.00}. Upon contacting XXXX I was told that my bill is still due with them on XXXX/XXXX/2015 and should not have been sent to collections of any type until at least 30 days after the due date. However, they could not confirm that it would be taken away from the collection agency. The bill was paid to XXXX on XXXX/XXXX/2015 in full. 

Diversified Consultant 's also told me that I could not XXXX and they would not speak to me regarding this matter. Diversified Consultants also said that they " are XXXX '' as in they are the legal entity of XXXX and that calling XXXX direct they would not take my payment. I believe this is a False representation by Diversified Consultants. I do not believe that XXXX or Diversified are within their right to send a not-yet-due bill to a collections agency. On XXXX XXXX I received a letter by XXXX mail stating that my bill had been paid in full to Diversified Consultants. However, no money was exchanged between myself or Diversified Consultants. My money was given to XXXX prior to the bill being due.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a tax lien on my credit report from XX/XX/XXXX that was included in my bankruptcy that was filed XX/XX/XXXX and discharged XX/XX/XXXX ( reference # XXXX ). I am no longer responsible for this debt and it has been removed from public record ; however, Equifax refuses to remove this erroneous item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Forbearance / Workout plans

Complaint: I started having problems at my commodities job XX/XX/XXXX! I started seeing Drs and was diagnosed with anxiety disorders and Atrial fibrillation XX/XX/XXXX. I had to quit my job on XXXX the S.S declared me total disable on XX/XX/XXXX! then I had XXXX on XX/XX/XXXX! i was trying to make payment with with American Express at that time but the told me that i had all ready maid an agreement and that they only do agreements for 6 months one time a year! I owed them around {$13000.00} I told them my situation and that I had no income so XX/XX/XXXX I started getting calls from them offering to settle for {$5800.00} the person was from another country promising that he was representing XXXX. but it turned out to be collection company to of XXXX XXXX they had all my account information he would call me about once week and offer to settle for a different amount each time! I Called A.E. each time and told them that I just wanted to be put back on a payment plane but was denied each time the representative said that it had n't ben turned over to a collection agency! on XX/XX/XXXX I got my first phone call from XXXX XXXX XXXX, XXXX. they sued me on behave of American Express they offered XXXX different payment plains witch I could n't afford so we went to aberration I had no lawyer! we agreed for me to pay {$6600.00} at {$110.00} per month in court which I have done on time with my S.S. XXXX money! 
my biggest concern is that they continue to report late payments on my credit report every month, I have not been late or missed a payment since we made the agreement they auto draft it from my bank account every month! 
I do n't think that it is fair for them to continue to hurt my credit when I am doing everything in my power! My accountant told me to file bankruptcy XX/XX/XXXX! I got caught in the Housing scam I had XXXX houses XXXX were for investment purpose, I lost them all plus the house that I and my family live in is in foreclosure! in total I lost close to {$15000.00} and that not counting my house in foreclosure no wonder that I have hade all the health issues! 
my fido score was once above XXXX so I am not a deadbeat I just do n't think it fair for them continue to hurt my credit!!!! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I did a wire transfer to Coinbase.com of XXXX to invest in cryptocurrency.

I received a message on their website regarding the transfer and that it will be delayed and processed

within 24 hours. It 's been 48+ hours now and nothing. I
've been on hold on their phone customer support for 1 hour, TWICE in a day. I 'm not the only one experiencing issues like mine. People have even been locked out and accounts r
emoved with way more money than me, with no reasons given.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: I had a joint account with my husband at Chase which I was the primary account holder. My husband deposited XXXX checks during the month of XXXX XXXX, of {$200.00} each check from an account he had/has in New York with XXXX, under his name alone which he had prior to marry me ( I do n't know if he still has it ). I had no knowledge he was doing that those checks were NSF. On XXXX XXXX, XXXX he wrote a check to himself from our joint account from Chase in the amount of {$1100.00} which made the account to be overdrawn in the amount of {$1000.00}. the account remained NSF until XXXX XXXX, XXXX when I was able to deposit money to cover the overdraft. In the meantime Chase reported me, not my husband, to XXXX " Suspected Fraud Activity '', I understand they could had reported me as NSF account, but the Suspected Fraud Activity was done by my husband with his XXXX checks. Now it shows as paid in full but still my name shows as " Suspected Fraud Activity '' and he has not been reported at all, and this is affecting me and I did n't even had knowledge of this activity. Please help me clear my name from this list. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America closed my checking account after I told them I would keep it & was transferred at least XXXX times to repeat my situation after being told they would explain to the person I would be transferred to. I am unsatisfied with their services & inconvenience of having my checking account closed after telling them not to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Mortgage) with Aldridge Pite, LLP (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: AldridgePite LLP ( XXXX foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from XXXX stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me. I contacted XXXX and I was told the same as Aldridge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never signed nor endorsed any contract or applications that created any inquiries with the listed corporations, agencies, and or companies .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. 
I did not authorize the inquiries that are highlighted in the attachment. Equifax refuses to remove the items further sating that the unauthorized inquiries are a matter of record. Additionally, I would like any information that was sent to Equifax from the companies deemed as verification per my rights per 609 ( a ) ( 1 ) ( A ) of the FCRA. I did not authorize the following inquiries ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax also failed to do a proper investigation into this mater further violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an other complaint # XXXX about Well FargoLoan # XXXX and this is just more to be added, I have paid my mortgage and it is paid up to date. However I have yet gotten a current up to date statement from Wells Fargo? I have had to fax a Cease andDesist letter to Wells Fargo because I was getting callsa few times a day to pay my mortgage. I also have been toldI owe {$470.00} in late charges, but when I called to ask aboutthe late charges the amount changed every time I talked tosomeone different? I asked for documentation to show mewhen I was late and was told that was n't available? Butafter my first complaint to CFPB I got a call from a XXXX XXXX XXXX EXT XXXX who told me she would investgate and get me all the documentation, never heard fromher again? Please find all documentation attached. 
Thank YouXXXX XXXX XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/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 11-01-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (LA).
Issue: Struggling to pay mortgage

Complaint: Me and my wife bought our home in XXXX XXXX. My wife was laid off from Caliber Home Loans on XXXX/XXXX/XXXX. Caliber Home Loans cause a lot of problems for her after they laid her off. She had a problem with getting my payroll check which is to help pay the mortgage. So we fell behind. At the time I was only delinquent for XXXX XXXX. So I called in XXXX XXXX and tried to get a XXXX XXXX. I started sending in the paperwork they requested to obtain the loan modification. After I would send the paperwork, I would call and the Caliber Home Loans rep would say it takes 5 days to review the documents. So I would call back after 5 days and the Caliber Home Loans rep would say some documents was missing. I did this Over and Over and Over again with Caliber Home Loans Person of Contact, which was different people every time. At that time, my house was not in foreclosure. But due to Caliber Home Loans giving me the runaround, my house is now foreclosure. Countless of times, I receive letters in the mail dated the same date asking for different documents. See attached documents showing that. Now my wife has a job and all we want is to keep our home and get a loan modification to get back on track. Caliber Home Loans claims to be recording all conversions so please ask them for the recorded conversions my wife had with countless Caliber Home Loans reps.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Chase Visa  wrongly and systematically sides with the vendor in disputes over fraudulent charges and, in a disputed case, NEVER sides with the consumer. In the following case they have been caught out. My complaint is that they did not conduct a thorough investigation, that they wrongly reported information to me and that they wrongly allowed a fraudulent charge to remain on my account.     I was fraudulently charged {$16000.00} by a vendor, to whom I had previously given my card details for a legitimate charge. The vendor charged my card a second time without my knowledge, consent or authorization and for services I had not incurred. Unknown to me, the vendor had retained my card information from previous use.  Chase refused to treat this as fraud because I had previously given my card details to the vendor. Chase  claimed I must put the transaction into dispute.     After review of the dispute I received the attached letter dated  XXXX   XXXX ,   XXXX   from Chase, which sided completely with the merchant in the case and said ; " Merchant has provided contractual agreement on this transaction. '' No copy of the contract was sent to me and how could it have been - none existed.     On  XXXX   XXXX , the merchant credited {$14000.00} of the fraudulent charge back to my credit card ( see attached ). If the merchant returned the majority of the funds, how could  Chase, just one w eek earlier claim that they had viewed a contract which showed the funds taken from my account had been taken legitimately? I want to complain that Chase carried out an improper and inappropriate investigation which was biased and untruthful.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have written Experian several times to no avail. XXXX # XXXX is a repossession and they payment history needs to reflect the date of repossession. This is not a recurring chargeoff/collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with SB Holdings, Inc. (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had an installment agreement with XXXX XXXX, i had an outstanding balance of {$210.00} in XXXX of XXXX i filed for chapter XXXX bankruptcy in XXXX XXXX and XXXX ACCEPTANCE was included as a creditor. I was XXXX in XXXX of XXXX. XXXX XXXX is willfully ignoring the court injunction to cease collection activities by reporting to credit agencies other than a XXXX balance and that it is a charge off. This is unnecessarily harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Status CHARGE-OFF Balance {$210.00}

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 09-12-2015 about Consumer Loan (Installment loan) with ERC (MI).
Issue: Managing the loan or lease

Complaint: Paid collection through one company, and they sold it again to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2018 about Debt collection (Medical debt) with GLA Collection Company, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: went to original creditor to fix problem they told me i owed a XXXX balance and they were calling the gla collection company to have it removed from my credit reports gla seems to be drgging their feet on the issue please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Delinquent account

Complaint: Washington Mutual credit card agreement Ceased operations XXXX 2008, being sued for old debt

Company response to consumer: Closed with explanation