milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding has put on my credit report saying I owe them {$4400.00} dollars and changed the date of when I opened an account as XXXX XXXX, XXXX. I never opened any account back in XXXX the whole year for credit card or anything. I think this possibly is an old debt back with XXXX XXXX in XXXX so they have no right to put this negative information on my report. I want them to delete this inaccurate information ASAP so I 'm sending this to you and also will send them a Debt Validation Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Equifax shows {$6500.00} and closed and XXXX shows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Recently checking my credit report XXXX on XX/XX/2017, I noticed information wrongly reporting, or incorrectly reporting on my credit report from my student loans for {$3300.00} which was already consolidated from Navient to XXXX. I would like this resolved. I tried to resolve this on my own but I could n't get it handled.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On my XXXX Credit Report, XXXX Credit Report and My Transunion credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my XXXX XXXX to be lower than they should actually be. Hendering me from obtaining credit.

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 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I transfer XXXX from my binance account on XXXX and I still have not received the currency at all. I contacted customer support various times but they stop responding to me days after they respond to my request this honestly ridiculous. 
the amount i sent was XXXX XXXX. 
I have all the confirmations that it sent but coinbase still refuses to send me my money. 
I have even the blockchain confirmation that the amount was sent to the wallet they told me to send it to. 
https : XXXX all the info that is needed is here

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: Old navy visa Card by scynory bank wont give me a credit increase because they say I do n't have enough of a credit score but its because all the fraud in curies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (VA mortgage) with MONEY SOURCE, THE (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am looking to get a late payment removed from my credit history that occurred XXXX of 2017. I attempted to make this payment four times. The first three were unsuccessful because the account could not be verified. Im unsure the reason for this but I then changed to another bank account the third time and it still did not go through. Finally the fourth attempt at paying my mortgage it went through although this was after the end of XXXX. I am currently in the process of trying to refinance and in order to do this I need to resolve this issue. Any help or advice on this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Other type of mortgage) with U.S. BANCORP (CA).
Issue: Struggling to pay mortgage

Complaint: I applied for a HAMP modification and was told the package submitted was complete on    XXXX   XXXX   XXXX  . I ap plied because my husband had died and I needed to get the HAMP modification. I have proof that all information requested was provided via email and fax and can provide that proof.   On  XXXX / XXXX / XXXX  there was a request from the bank for a lease rental agreement or Schedule  E and  ( which was sent in as part of the ta xes ) proof of income, both pay and profit and loss and verification of SS income. This had all be en sent in with the original package. I have proof of that.   On   XXXX   I was told that the following documents were needed  : 1 ) business tax return ( which was submitted ) with form  XXXX  and Schedule  XXXX  which was part of the return.     US Ban k claimed they did n't have it but it was submitte d. 2 ) paystubs. All proof of income was provided to US Bank including my salary, my profit and loss as a music teacher and my SS awards. US Bank referred to {$71000 .00} which was on the  XXXX  tax returns. I explained this was when my husband was alive and had no bearing on the income I earned since his death. I had provided his death certificate with the initial submission in  XXXX   XXXX .     The underwriter again asked for proof of the {$71000.00} earned by my husband. All items had been sent more than once and I have proof of them being sent.     This is now my   3rd complaint. The reason being that US Bank continually sending me patronizing responses saying they have not received items I have sent and they must be held accountable. They have thrown me out of the HAMP program I applied for, the one that would help me the most.
We will be happy to provide all corroborating documents. The file provided to the bank is massive and too large to upload.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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  Concern My Name is  XXXX   XXXX   XXXX  my complaint is with  XXXX   XXXX   XXXX  Mortgag e is two p arts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan with  XXXX   XXXX   XXXX  Mortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX    XXXX . we were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a My rtgage with Wells Fargo that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing

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 07/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SD).
Issue: Settlement process and costs

Complaint: I filed chapter XXXX bankruptcy in XXXX. At that time I reaffirmed my mortgage with XXXX Company. XXXX sold my loan to XXXX XXXX around XXXX. On XXXX XXXX XXXX XXXX XXXX sold it to Green Tree. I recently noticed that Green Tree is not reporting to the XXXX credit bureaus. The first rep that I spoke with told me they did n't have the reaffirmation papers, the XXXX rep said they have them and transferred me to XXXX rep who told me that I need to reopen a 10 year old bankruptcy and reaffirm the debt with them. I asked to speak with a supervisor and was transferred to a generic voicemail. I have contacted an attorney regarding this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am disputing the accuracy on the status of my item. It is showing as late where in fact I paid my bill on time and it should show as 'current. ' There was never any late payments prior either. I am requesting that the CRA adjust my payment status to 'current. '

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I need the following addresses removed from my credit file. I have submitted numerous requests for this to happen and nothing has taken place. The current address needs to be listed.  XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX . I have attached my drivers license and Ssn card.     Remove these addesses :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  :  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX , SC  XXXX  Whomever that 's reporting these addresses does not have a certified permissible purpose to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding LLC has garnished {$1000.00} from my midland bank account, and they claim that it was court ordered and i did not received any legal documents that state so.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Debt collection (I do not know) with Stuart-Lippman and Associates, Inc (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received several letters XXXX all sent on the same day plus each letter had different amounts with them increasing ( in one month alone ). In addition to the letters I have received multiple calls as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX 2018. Citi bank website and mobile app displaying my checking account balance as follows Available Now : {$10000.00} ( " Available Now '' is the amount in your account that is available for withdrawal .... ) On Deposit : {$11000.00} I called to Citi bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to notify about withdrawal of {$10000.00} prior to visiting branch. 
At the branch teller under the supervision of supervisor denied to do the withdrawal of {$10000.00} because they believe that the check of {$7000.00} that I deposited on XXXX XXXX at ATM is still pending. I told them that money is showing available on website, they told me that it is not available for withdrawal it is available for debit transaction (? unclear ). 
Website and app clearly states " money available '' means available for withdrawal. 

Called customer support, after long hold finally reached some representative in XXXX, who was not able to help, could not clearly explain the different between available funds and actual available at local branch and offered to withdraw money from ATM which he could technically increase a limit of up to {$5000.00}. 

So the available balance that is showing in Citi bank website or app is not the amount one can withdraw at the bank. The amount that can be withdrawn at the branch is pretty much depends on teller 's mood and personal relationship. This is my second similar experience with Citi bank outsite of my neighborhood. 

I have been banking with Citi bank for over 8 years, have excellent credit score and over {$20000.00} credit line with Citi with approximate XXXX balance.

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 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent XXXX letters to Experian ( XXXX in XXXX and XXXX in XXXX, 30 day apart ) concerning inaccurate information on my report concerning bankruptcy. I ask Experian to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a letter on XXXX XXXX, 2016 stating that they have previously processed this dispute and the credit grantor has verified its accuracy. Last but not least, they said that unless you send us additional relevant information to support your claim, WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN. EXPERIAN has not providing me with copies of documentation bearing my signature in a timely manner. Thank you for your 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 explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Payment of {$180.00} due to Bank of America was submitted through  a Biller Service  on Saturday  XXXX / XXXX / XXXX . Payment was not processed by Bank of America until  XXXX / XXXX / XXXX . A late fee of {$25.00} was placed even though full payment was received and made before the due date. No partial payments were made. Called company and spoke with  XXXX   XXXX  to waive {$25.00} since it was the first time this happened, given that she mentioned she was not authorized to make that decision, she transferred me to her  manager   XXXX   XXXX , who reviewed the information in he system and after he verified mentioned that he could not waive the fee.     That Thursday  XXXX / XXXX / XXXX  I looked to verify the fee and I noticed that instead of the {$25.00} I had been charged {$27.00} with interest. I called Bank of America again and throw time spoke with  XXXX  from California who did not want to provide her last name. I explained to her the situation and mentioned that I was being charged interest over the late fee and paid {$27.00} to avoid getting paid and interest. She wanted to remove the {$2.00} and did so without my authorization and I told her I would pay at that moment the full amount to avoid being charged more interest. She said I would be charged additional interest at the end of the month. How is this possible? I made the full payment and paid late fee with interest? Not understanding what clause in the contract says this. It is not clear. It seems that because of them proces sing one day late the payment I will need to catch up with them, buy then if I do n't pay they have two days to cha rge me addditonal interest? It seems Bank of America has the upper hand in this situation and I will always be at a disadvantage.     I have been a loyal customer since  XXXX  and I have never missed a payment.     Will my interest rate change? The Bank does not make this clear.   Will this affect my  credit score? Will this be reported in the Credit Bureaus? The bank says  no, but I would like an impartial party to clarify and have clarity if these charges are fair towards a customer who made the full payment on the card.     Thank you.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was recently hacked and my personal information might have been affected. Their attempt to resolve this is fraud protection for only one year.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX sent a towing company to contact us about a late payment. XXXX Towing came to my home on XXXX/XXXX/16 and banged on my door so loudly for a long length of time that it scared me. I was too scared to come to the door because of the nature of the banging and the repeated use of my doorbell for at least 10 minutes straight. It startled myself and my neighbors that my neighbor XXXX doors down from my home called the police to report the concern. I called my husband scared and before I could call the police, the neighbors had called because that is how loud they could hear the banging at my front door. The banging rattled my whole house and broke the alarm system off my front door and it was shattered in pieces on the floor when i went downstairs to check the front door. The side wall that is next to the front door is so badly damaged now from the nature of this Debt Collector 's banging and hitting my door. The police confirmed that they were concerned by the nature of this Debt Collector 's banging at my door and will patrol the area looking for this Towing Company to address their unethical collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TransUnion is refusing to work and operate as a neutral party. They have not demanded the debtor to provide accurate information of debts. Debt collectors are basically making statements with no proof. The account I am complaining of states closed and paid by collateral of the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We had some problem in  XXXX  due to financial difficulties, however, since then, we have been paying the mortgage on time. In  XXXX   XXXX , we filed for chapter  XXXX  temporarily against some body who filed a lien. we managed to dismiss the case and dismissed the chapter  XXXX  bankruptcy. The mortgage company were not part of the bankruptcy court but we paid them on time and sent the proof to the trustee. However, after dismissing the bankruptcy case, the mortgage company has been harassing us, telling us that we are behind for 2 months, their correspondence is not valid and we have proof that they got paid every month. Waiting for them to correct their info, but they have been refusing. We believe that because of the bankruptcy case, their action is not but harassment, they have been reposting since  XXXX  of this year derogatory on our credit report, and nothing we do or even send them proof of payment for the past 3 years, still, they are so arrogant, bully, and dismissal. This has been causing us tremendous stress, especially they have been threatening with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit card with XXXX XXXX  was opened in my name fraudulently contacted card issuer advised decision would be made in 90 days have not heard back until they reported account is delinquent on credit report

Company response to consumer: Closed with explanation