milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX agreed to delete from credit report. They claim to only report negatively to XXXX and agreed to delete. When credit report was pulled it was also reported negatively to XXXX. I knew which they never mentioned it was. I would like for them to delete it from XXXX  as well. As my first claim asked for it to be deleted from all credit bureaus.

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 05/17/2017 about Debt collection (Medical debt) with Law Office of Charles G. McCarthy Jr. & Assoc. (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I started going to  XXXX   XXXX  offic e  X/XX/2015    because I ha d hurt my  XXXX , he said he could help my pain, started going every week, after ab out 2 to 3 mos into  the visits my  XXXX  started to fell some relief bu t my    XXXX   started to go   XXXX   I told him about my  XXXX , he did n't say anything. But as I was going I was paying my bill monthly, {$270.00} as I continued to go my  XXXX  were getting worse, So I knew I needed to stop going to  XXXX   XXXX , I could no longer afford the service. and I was also worried about the fact my  XXXX  getting worse after every visit. On my last office visit I asked if I owned any payment, I was told NO, Everything was paid up until after my next visit. I canceled my next appointment and did n't go back, after a few weeks I received a letter for  XXXX   XXXX   XXXX  for collection of {$680.00}. So I called  XXXX   XXXX   office to  ask why I got the letter,  XXXX   XXXX  receptionist told me they could not talk to me because the bill was in collection, I received some letters from  XXXX   XXXX , then I stared getting phone calls from Law offic e of Charles McCarthy, I expl ained all this to them, but they keep calling after i have asked them to stop calling me. I do n't understand how they can charge me when i was told my bill was paid up passed my next visit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TN).
Issue: Shopping for a loan or lease

Complaint: My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car. 
Dealer discount price was subject to a loan with Ally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: Suntrust Bank has duplicate reports, reflecting negative history. 
XXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status. 
Mortgage hard inquiry most recent not authorized to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently was the victim of identity theft and had over XXXX XXXX dollars charged to my U.S. Bank credit card. My bank removed all of the fraudulent charges and issued me new card. Now I see on my statement that they have reinstated XXXX fraudulent charge for {$2400.00} ( see attached ) I called card company at XXXX with my XXXX to ascertain what happened. First spoke to XXXX who was rude and not helpful, finally was transferred to fraud dept. Lady we spoke to would not give her name or agent i.d . and finally put us on hold and hung up on us. The fraudulent charge of {$2400.00} took place in XXXX 2015 in XXXX 2015 I was charged nearly {$20000.00} by XXXX XXXX for a host of products that were shipped in my name to Florida. When I notified my card issuer they immediately removed the fraudulent charges and issued me a new card. Now they have put the {$2400.00} fraudulent charge back on my account from XXXX another Florida company and as far as I know part of the same scam. I did NOT at any time authorize the listed charge and by bank knows this. I want U.S. Bank to know that I want to file for arbitration or will seek my own legal remedy if they do not make my account whole. That was what I was trying to state when I called in but never got the opportunity due to the unprofessional and rude agents I had to deal with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: Bonus not received, more than the minimum spend amount has been met. Bonus not provided even though product ordered was different product.

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 12/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have faxed over my police report on my Identity fraud or theft. I have faxed over multiple to TransUnion that when I recently pulled my new credit report that XXXX of the XXXX hard inquiries that came up on XXXX came up on TransUnion. They are XXXX and XXXX. I want them removed from my TransUnion Credit Report. XXXX has already removed those XXXX hard inquires since I sent them my police report. I want TransUnion to do the same.

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 09/18/2017 about Debt collection (Other debt) with Perfection Collection (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX, I was contacted by a XXXX XXXX salesperson at my door, advertising " free '' home monitoring equipment to those with qualifying credit willing to act now. I signed a XXXX contract under these false pretenses to initiate service, then attempted to cancel the service over a year later. Now, XXXX years after the attempted cancellation, Perfection Collection is attempting to collect {$3500.00} on behalf of XXXX, more than the cost of service over the entirety of the contract. The salesperson was misleading both in that the equipment was free, as well as my ability to cancel and that the offer was " for a limited time ''. I was also never provided in writing the full cost of the services, including the costs associated with early termination. The contract should be considered void under these circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX collection and the XXXX collection were due to be removed XX/XX/XXXX they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: During the process of my refinance, the credit report was pulled and I was notified by my mortgage broker that my score was not high enough to obtain a preferred rate. I was surprised to hear that, as I worked very hard to clean up my credit in the last seven or eight years as I had some difficulties paying off my balances on my credit cards that are in question. 
In XXXX, all balances were paid off. During the review of my report I noticed that even though the date the account of XXXX XXXX and XXXX was last active or paid off was in XXXX, Equifax was still showing them as XXXX negative trade lines on my account. I also noticed that the date last reported was XX/XX/XXXX. I called Equifax on two different occasions as I thought that one agent might have been wrong on the information that he was providing but both people at each separate time indicated to me that because these XXXX accounts were disputed in XXXX, the Equifax will continue to show it for 10 year period since the last time it was active ( with the status paid off with less balance ). I was shocked to learn that and expressed my concern that I do not believe that this was a fair practice to extend the term of reporting for an additional XXXX years because I disputed the coding that was being reported incorrectly. The last active date of XXXX was because I disputed the coding of the status with each grantor which was ultimately resolved and corrected to my satisfaction. I asked the agent why I was being punished by adding ten more years of reporting from the last time I disputed the information which results in negative impact and prevents me from obtaining financing. The response I got was that the derogatory info/code would be maintained until XXXX according to the policy which was created by the credit bureau and the financial organization but when I asked to see a copy I was told that they were unable to provide any proof of the retention policy to confirm that it was correct ; however I can go ahead and search the internet for the retention policy and I can be assured that it will support their answer. They stood by their answer that every time the information is disputed, ten more years will be added to the last date that it was active or the date of the dispute. 
In this complain, I ask that you investigate the issue as this practice is unfair. Inquiries, disputes, etc. should have no impact of how long the information will remain on my credit. I have paid all my obligations in XXXX and do not believe that it is acceptable to maintain the negative information until XXXX ( for 15 years ) because of dispute with the grantor. 
I thank you in advance for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Payday loan debt) with DFC GLOBAL CORP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a company that keeps pulling my credit. These credit inquires are hard hits that have dropped my score dramatically. I have not requested a payday loan but every year they keep pulling it. Last year they told me I owed them money which I did not. They then changed there story a few months later saying I applied which I have advised them I never attempted to do so.I would like them to stop pulling my credit without my permission. They most recently pulled my credit stating I requested it but I did not. 
I have asked them to never do business with my social security number or contact me prior to trying to establish a new loan they have refused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX my mother filed bankruptcy during this time ASC or wells Fargo was reporting this account XXXX Days late in bankruptcy as long the account is current you have to report it as current you can say this account in bankruptcy but that is it, I was not in bankruptcy or list in it, so my account should not be affected when I contacted ASC XX/XX/XXXX to have them straighten out they had credit bureaus all XXXX Delete account that way I could n't show I had a mortgage and it would keep me from getting another company to finance us, I have sent the discharge letter to all XXXX Credit Bureaus asking for my Mortgage be put back on my Credit from XX/XX/XXXX when Bankruptcy ended and to update it as Current per the Courts and the Chapter XXXX Trustee, All I keep getting back from credit bureaus is there is no account on my credit report I know cause they deleted them and for no reason, Now I am getting ready to have XXXX refinance me within the next year I am a XXXX and I need this fixed ASAP, I know why Wells Fargo had them delete to keep me from getting another loan cause I do n't have history No one will refinance us.this has been removed since XX/XX/XXXX my mom started the bankruptcy in XX/XX/2006 this is still a issue and its ridiculous they have my mom in this bankruptcy for her mortgage and its the XXXX XXXX back to back they messed up the first bankruptcy and let them tack on {$2300.00} after completion so we ended back in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I requested to have my loan re-reviewed for a modification with the new information I have provided on XXXX XXXX, 2015. I was told on XXXX XXXX, that my loan would need to be placed on the system for re-review. It has been over 30 days and I have not received a phone call or any correspondence regarding my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone else name and credit is showing up on my credit. My name is XXXX The other party name XXXX. There is an account XXXX showing up that is not mine.

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 11-12-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I was a customer of Scottrade. Scottrade was hacked over two years ago and has done absolutely nothing to help. The identity theft insurance provided by Scottrade does n't work ( the phone number and sign up page will not access my information ) and even if it did work it is only for 1 year and is not retroactive. 
Scottrade was hacked over two years ago and Scottrade thinks it is appropriate to provide 1 year of NON-RETROACTIVE identity theft insurance that leaves a two year gap, where customer are uninsured and have potentially dealt with very serious cases of identity theft.

Company response to consumer: Closed
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: I did a bank wire transfer for {$2000.00} to XXXX XXXX on XXXX XXXX. My bank, XXXX XXXX has informed me the wire transfer has gone through, but now 5 business days later there is NO sign of the funds in my account. 
I have filed a formal submittal to XXXX XXXX ( case # XXXX ) on XXXX XXXX. 
I got an automated e mail back, but absolutely no action over the past 2 1/2 days. 
I 'm very concerned that my {$2000.00} is lost and I can not get any response from Coinbase ( called the XXXX number, held for about 30 minutes ). 

Please help, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: Unfortunately, my house sustained damage during 2017 hurricane season. After seeing the advertisement on TV for mortgage payment deferred program I immediately called Wells Fargo to have my mortgage placed in a forbearance period. I was told I would not have to make payments for three months and payments would be moved to the end of my mortgage. As the three months approached I received harassing phone calls and threatening letters to make payment, if not, I would face collection or worse foreclosure. 

Wells Fargo did not follow the law. 

I am a hard working individual and I must say, I was treated unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.

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 10/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was never notified that my loan was transferred to Caliber Home Loans. I reached out to Caliber and was provided with a Welcome Packet in XXXX 2015. At that point I proceeded with sending in documentation to be reviewed for a loan modification. I was never given a number for HUD nor was I ever notified of a Trustee sale for this Monday, XXXX XXXX, 2015 XXXX until just last week. I know that I am supposed to be notified within 22 days of the sale and I was in fact not until just last week. I have not yet been denied for the modification but yet they are not informing me whether or not they will be postponing the foreclosure sale. I am now being forced to seek alternative options to save my house.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Advertising and marketing

Complaint: I have been receiving " 0 % for 18 months '' offers from Capital One, with whom I hold a card. This is an offer no one would take if they read carefully. After paying 3 % to use their " 0 % check '' or making a balance transfer, the rate on the entire account goes to 17.9 % if you make a purchase using the card. I think they are counting on people not reading carefully and/or not understanding the offer -- or on accidentally using the card for a purchase. May be legal, but very shifty.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed dispute XXXX with the CFPB against Transunion on XX/XX/XXXX regarding the inaccurate reporting of a late payment on a credit card account. The negative information caused my credit score to drop by over 70 points. 

I received a response from Transunion on XX/XX/XXXX explaining that they would investigate the matter but they have no record of my initial dispute. On the same day that Transunion responded to the complaint they also notified XXXX XXXX of the significant drop in my credit score even though the information was in dispute and the investigation had not been completed. 

XXXX XXXX decreased my credit lines based off of Transunion reporting dated XX/XX/XXXX. XXXX XXXX proceeded to decrease my lines of credit through XXXX, XXXX XXXX, and XXXX XXXX further effecting my score. 

I had not requested an additional credit card or an increase so I did n't understand why a report was being pulled on XX/XX/XXXX or why I was up for review. XXXX XXXX customer service representative explained that no request had been made and I was not up for review but that Transunion just reported the significant drop in score and other negative information. 

The error regarding the late payment was quickly corrected on XX/XX/XXXX. My credit score was  updated and increased however not to its original score. I explained to XXXX XXXX on XX/XX/XXXX that the error was corrected and my score was up. They told me I had to request a credit line increase and pull my credit. However my score was still down over 70 points. The representative at XXXX XXXX explained that Transunion would have to notify XXXX XXXX with the change or update to my report before a new report and score would be considered to increase my credit line. Even though the error was corrected and my score has increased, this error and the reporting by Transunion after I filed a complaint has continued to be detrimental to my overall credit and finances with back to back credit line decreases. Transunion has not notified or updated my information and XXXX XXXX continues to decrease my credit lines. I do n't make late payments to XXXX XXXX or anyone else nor am I in jeopardy of not being able to pay my bills. I did not make a late payment however I 'm being treated as if I have and my credit continues to be effected. Why exactly was the drop in score reported while in dispute but once it 's corrected it does not trigger reporting or an update to creditors. This is an unfair practice. 

I would like my information updated. I would like my credit lines increased. I would like my credit score to stop being effected over an error that has been corrected.

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