milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: sending recorded messages to my work phone. Caller ID says XXXX l XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I just became aware - only because I got a free credit report in response to ANOTHER correction - that I have a negative report that I have never heard of. I have never heard of this company or their " client '' and I have never received any kind of bill from them or other communication. 

The company is 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 06/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I TOOK OUT A LOAN WITH SPOT LOAN IN  XXXX  OF  XXXX  AND THEY WAS DEBIT MY BANK ACCOUT  XXXX  EVERY  TWO  WEEKS WHICH WAS EVERY PAY DAY AND HAD A INTREST RATE OF 625 % WHICH I DID N'T NO I NEVER SPOKE TO NO ONE THEY NEVER CALL I EMAIL BUT NO RESPOND I GOT A FRAUD ALERT FROM THE BANK AND WAS ASK TO CLOSE MY ACCOUNT BECAUSE OF DIFFERENT L OAN IDS FROM THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My wife has a credit card at XXXX 's XXXX. While she listed me as an authorized user, I have no financial responsibility to this account. None of my personal information including Social Security number was attached to this account. XXXX 's failed to mail statements for a month, a {$26.00} purchase became a {$110.00} payment with late fees, and upon being informed of this balance, my wife immediately paid the account. XXXX 's reported this as a late payment on my credit report despite the fact that I have no legal obligation under the account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I used XXXX and noticed an error on my Experian generated XXXX XXXX XXXX loan account - it said I was 90 days late - which I never was. I went to dispute it with Experian. Experian asked me a bunch of questions which I answered correctly, then I received a message that my request could not be processed and they demanded a copy of my driver 's license. First of all, I do n't know who these people at Experian think they are, demanding a copy of my driver 's license ( which I absolutely REFUSE to furnish to them ), but also they are holding me hostage by willfully reporting erroneous information and refusing to allow me to correct it unless I give them my driver 's license. Unbelievable! This is n't the first time Experian has done this to me. I reported a similar issue to the CFPB a few years back. Fine them and punish them, please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COOLEY ENTERPRISES INC (TX).
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 disputed an incorrect date on XXXX XXXX with XXXX for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted XXXX  and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX, someone responds to the bbb  complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted XXXX  only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting XXXX marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of XXXX and XXXX is telling her that XXXX XXXX  was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Mortgage) with ARVEST BANK GROUP, INC. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My loan was sold to Central Mortgage in XXXX of 2014. At that time I requested a due date after the XXXX because the majority of my income comes from XXXX and I have a better sense of what I 'll have in income during the last XXXX weeks of the month. Do I have accrued monthly late charges and unrelenting phone calls outside of normal business hours. The fact that they are aware of the entire situation leaves me perplexed. Please have them stop the harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Transaction issue

Complaint: For a number of years I have had a Capital One credit card XXXX hereinafter XXXX ). For some time I have had various businesses ( XXXX XXXX XXXX, XXXX XXXX, etc. ) automatically charge XXXX for reoccurring monthly fees. This has worked fine till now. 
The way it works is I sign onto a businesses web site and enroll in / update my automatic payment information XXXX hereinafter AutoPay XXXX. After a period of time XXXX several business days ) the change percolates through the business system and everything is in sync. 

My current problem is that XXXX decided without informing me to issue a new card with chip technology and invalidate my old card. Although I have updated the AutoPay information there is a likelihood that a business will attempt to charge the old CARD info because of the delay in synchronizing all of their systems. I have chatted with XXXX and XXXX from XXXX and they ca n't provide a solution. 

With the prevalence of e-Billing and e-Payments / AutoPay methods I feel that it is incumbent upon XXXX to have a method of processing AutoPay events that are referencing the old card information while the individual notifies business of the card information changing and the business processes the change in information. And although I am involved with Capital One the need applies to _all_ credit card issuers. 

Therefore I am requesting that your agency contact Capital One regarding this problem and consider promulgating regulation XXXX XXXX ) to implement this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 4 inquiries that i tried to dispute over the phone with transunion and they do not want to help me disputing then I have called several times and told them i was a victim of identity fraud and to dispute my inquiries but they keep telling me no

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 12-07-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Wells Fargo ( Loan No. XXXX ) and first put my XXXX XXXX house ( XXXX XXXX XXXX, XXXX XXXX, OH. XXXX ) on the market in XXXX 2015. I have maintained this property since I was divorced and filed bankruptcy in 2000. However, due to the house needing repairs that were beyond my financial ability to handle, I applied for a short sale in early 2015. I was approved for a short sale and Well Fargo appraised the house at {$22000.00}, though I owed {$62000.00}. I re-located in XXXX of 2015 due to conditions becoming un-livable. There have been no offers or even buyers inquiring on the property at {$22000.00}. 
Wells Fargo then retracted my approval for the short sale in XXXX of 2015. I then submitted an appeal with my updated financial worksheets showing a deficit. I asked for XXXX of XXXX options : 1. a deed in lieu of foreclosure. 2. Reconsideration of the short sale and an updated appraisal of the house based on fair market value. 
I was approved for the short sale and an appraiser from Wells Fargo was sent to property. However, they refused to release an amount. My realtor & I received an offer for the property of {$5000.00} and submitted this to Wells Fargo on XXXX/XXXX/15. The following properties have sold in my area for the amounts listed : XXXX XXXX XXXX, XXXX XXXX was listed at {$29000.00} but sold for {$5500.00} XXXX XXXX XXXX, XXXX XXXX sold for {$7000.00} XXXX XXXX XXXX, XXXX XXXX sold for {$6400.00} XXXX XXXX , XXXX XXXX sold for {$4500.00} I received a letter from Wells Fargo dated XXXX XXXX, 2015 that the short sale was again retracted. When my realtor, XXXX XXXX ( XXXXXXXXXXXX XXXX ) called Wells Fargo to find out why she was told that I had a surplus in financials due to the following : They do n't count tithing as an expense. 
They have limits on certain categories as to how much I can count as an expense. 
The first reason seems like a violation of my religious freedom. The second reason seems impossible to meet. My realtor was told that a single person could only count {$250.00} a month for ALL automobile expenses ( gas, insurance and car payment ). I spend {$100.00} a month on gas, {$97.00} a month on car insurance and {$300.00} a month on a car payment. This limit hardly seems reasonable. 
My house is going into foreclosure after my attempts to work with Wells Fargo. I feel I am trying every attempt to avoid foreclosure and work with the bank but I am hitting walls. I would like to resolve this issue and allow the house to sell for what is fair market value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (KS).
Issue: Fraud or scam

Complaint: Coinbase fraud. How are they still getting money from people? I am one of many ( according to on-line sources ). To not receive funds. What are the options?

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to take proper safeguards on my personal financial information, and the financial information of 143 million others. 

After learning about the breach, but long before they notified the public, company leadership started selling off their stocks. This is unacceptable. 

All aspects of this breach, including the insider trading, must be fully investigated and Equifax must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Ladies and Gentleme n : Caliber Home Loan s is a mortgage company in  XXXX   (   XXXX   ),  TX, and in California.     They programmed their mortgage application   XXXX   to back off and not send out the required consumer notices onc e Caliber h as the  XXXX  points of data from the consumer who is applying for a new loan. They are very pleased they have found programmers who will do this for them.     Regards,

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. (GA).
Issue: Money was not available when promised

Complaint: I initiated a US wire withdrawal from Coinbase for {$1300.00} on the XX/XX/XXXX. It was supposed to deliver on XXXX XXXX but it still has not after 46 XXXX DAYS.  Other customers have recently requested withdrawals and received their funds within hours or a few days. I made a complaint through CFPB 2 weeks ago and the response form Coinbase was that my case was being escalated and a specialist would reach out. I RECEIVED THIS RESPONSE 2 MONTHS AGO AND IS IDENTICAL TO EVERY SUBSEQUENT RESPONSE YOU GAVE ME OVER THE LAST 2 MONTHS. Just look at any of the cases Coinbase opened ( which i asked you to stop opening ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Money transfer, virtual currency, or money service (Debt settlement) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Unexpected or other fees

Complaint: According to the false accusations on the paper work it say  XXXX  and I was not aware if it I would think that someone would call they said it was done via web. And I do not get in there as well as j do not know how come no calls no letters Nothing until the gentleman pulled up  XXXX  so I call remarks from company '' sir please get an attorney we no longer shall speak to you. Now you never have until then and wow that 's what I was thinking

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with Receivables Outsourcing, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A XXXX XXXX from a company called Receivables Outsourcing in XXXX MD called my cell phone, announced they were recording ( though Maryland is a 2 party consent state ) and immediately asked for my date of birth and other identifying information. I told him I would not share personal information with an unknown entity who called me and I asked for more information. He would not provide anything except the name of the company and hung up on me. I looked up the phone number and called them back asking that my cell phone number be marked Do Not Call. They cross referenced the number I was calling from and identified me by name but would not agree to remove the cell pohone from their dialer unless I provided personal information. In fact, a representative ( would not identify herself ) continued to lie and say they did n't have my information ( after she referenced my name ) and she would n't be able to remove my cell phone from their dialer. They would not provide information about the supposed debt without me disclosing personal information and I had never received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: they are reporting late payments when the shouldnt and refuses to make the correctiions

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 11/20/2015 about Debt collection (I do not know) with U.S. BANCORP (PA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have been contacted by XXXX separate companies in the past 6 months claiming that I owe a debt. Even though I did n't belive I owed the debt, I paid almost {$900.00} to the first debt collector because I was threatened. Then less than 2 months later, I got a call from a XXXX company trying to collect on the same debt. They informed me that the XXXX company didnt " own the debt ''. I did some research and determined that XXXX companies were fraudulent. Upon learning this, my bank refunded the payment that I made. Now, my family members are receiving calls from a XXXX company looking for me for the same " debt '' ( this company has never called me personally ). I have documents from all of the companies. All of which appear to be official but after researching business names, addresses and phone numbers, nothing matches. Also, I requested proof of debt to be mailed to me, but they claim that they do n't have to ability to mail me anything ... .they can only email. I want all of these calls to stop and I would like to see if there is any course of action that I have for the harrassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (CA).
Issue: Trouble during payment process

Complaint: back in  XXXX  when I bought my home was a interest only loan for 5 years it was suppose to change to conventional in  XXXX  .i go t a letter from citi mortgage 6 years later that my payment before escrow was going up from  XXXX  to  XXXX  in  XXXX   XXXX  if it would of adjusted when it was suppose too it would of went up to  XXXX  in  XXXX  instead of 2400.i feel something not right.so in 6 years we paid  XXXX  an there only crediting  XXXX  towards the loan

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation