milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was dismayed once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 06/21/2017 about Debt collection (Auto debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX XXXX I called my local XXXX XXXX California branch to talk about my account. I was answered and given personal account information without verifying or authenticating I am account holder. I asked if anyone can call and get personal information with just my name, they yried to deny it stating she did not give personal information, but she did inform me about previous transactions on my account. I called again one week later to the call center to file a complaint, they said they were going to, but never happened. I called my local branch again to make sure maybe it was just that one call, they gave me payment information and debt information without verifying I am account not holder. I asked the associate why she did n't verify I am account holder because that is private information and I would n't want anyone to just call and get it, she stated that they are not required to ask questions to authenticate customers, when I asked her how is my information protected she then put me on hold and transferred me to the manager without telling me. The manager stated that they do normally ask questions but she does n't understand why I was complaining about this. I was also called on XXXX XXXX, to collect a debt that was n't due until XXXX XXXX, payment was not late yet, when I got in contact with them and asked them why are they making a collection call before me due date, and again did not verify me, her words were " I was just wondering if you were going to make it on time, " the company is one main, in XXXX XXXX, California. I received a call today XXXX/XXXX/XXXX from the call center, they again just gave me payment information without authenticating me, I asked how is my information protected and she stated they are not required to ask authentication information u till after the call and after all information is given. I feel my informative n is not protected and they are violating consumer information privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MO).
Issue: Other transaction problem

Complaint: Coinbase.com is asking consumers to add funds to their account via credit or debit cards. They are then charging the consumers ' ( including me ) cards as a cash advance without proper notification of this transaction before purchase. My and other credit card companies are then charging transaction fees to me and other consumers because of this cash advance. Upon contacting coinbase, I was told it's not their fault and it's the credit card company 's fault. Which is false, due to the lack of proper knowledge provided by them when making the transaction. This problem is wide spread throughout the nation at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} AUTO {$12000.00} XXXX - {$8600.00} XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX {$5000.00} REV {$3900.00} - {$3900.00} XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} REV {$3400.00} - {$3400.00} XXXX XXXX XXXX XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX -- / -- {$3300.00} OPEN {$3300.00} XXXX {$3300.00} {$3300.00} XXXX COLLECTION XP/TU XXXX XXXX XXXX XXXX XXXX XXXX -- / -- {$340.00} COLL {$340.00} XXXX - {$340.00} XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS 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 non-monetary relief
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with FMA Alliance, Ltd. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I never had a problem with this company until the last month they were collecting on my debt. They were collecting on a   XXXX   XXXX   credit card. We had a payment plan set up with them since    2014. D uring my mortgage application process, the company asked for documentation of the payment. When I ca lled FMA Alliance to g et written documentation they informed me they were no longer collecting on the account. This was never verified in writing. I explained to them the situation and asked for payment history to be sent. I c alled three different days in  early  XXXX . Each time the person told me that they will mail me the payment history and to wai t 10 business days. After 10 business days, I still did not receive anything. I called again and was transferred to a manager,   XXXX   XXXX . She told me that because they were not still collecting on the account they did not know if they could even give me verification of the payment history. She told me she would call me back. I never received any verification or a call back. I wrote a letter to ask for written documentation of my payment history and to verify they are no longer collecting on the debt. I still have received nothing. Then today I received a call from the company trying to collect a debt for a completely different person. This is completely unorganized. There is no reason I should be able to get a letter stating I was making automatic payments for years in order to obtain a mortgage. I have never heard of a company with holding this information from a client before. I made automatic payment for years, I would just like verification of this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In regards to case # XXXX I just realized that this agency is doing this illegally. XXXX XXXX is from XXXX and this is how this bogus account came to being because XXXX told his associates to make up this debt to collect it from me. He knows about the code enforcement and the XXXX being aware that he was illegally pirating power and putting the charge on my account. I have my closing bill from XXXX, XXXX. and I will enclose it as a attachment

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Account No.XXXX is wrongfully appearing on my credit file on EXPERIAN, XXXX & XXXX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.

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 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I first Disputed item " XXXX XXXX XXXX Partial Acct # XXXX '' on my Experian report in XXXX XXXX, and it came back verified. I disputed again on XXXX XXXX, XXXX, and once again it came back verified. 
Please see attached signed XXXX certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their XXXX XXXX XXXX XXXX have any record of me or this alleged account. 
Attached is also proof that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are the same company. 
Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Experian. 
I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 
Please find all relevant documents and Certified Mail receipts attached. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2016 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company, American Medical Collection Agency ( AMCA ) was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (IN).
Issue: Loan modification,collection,foreclosure

Complaint: After several years and XXXX offers from the same buyer, my lender finally responded to an offer and approved the short sale on my home. This was only after a complaint was submitted to the CFPB on my behalf by the Whitehouse as a result of a letter I had written to President Obama. Prior to closing the buyer requested an extension of the time to close. Her XXXX mother had recently spent time in the hospital and a XXXX. She was unable to travel and could not be left alone. The buyer is her sole caregiver and they live in Oregon. The request along with an explanation was faxed to the lender on XX/XX/2017. The closing was to take place on XX/XX/2017. On XX/XX/2017 I received a letter from the lender ( dated XX/XX/2017 ) stating that I am not eligible for a short sale at this time.

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 09-12-2017 about Debt collection (I do not know) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Today, at work, a colleague was contacted by this creditor and told it was a creditor, told them I would be arrested at work, and the colleague messaged me in a panic. I called the creditor, who could n't even find me in their system. I was forwarded to the ext I was given, and the person -- XXXX XXXX, lied to me and told me she did n't tell my coworker that. We have call recording at work, I heard it myself. This is abusive. And humiliating.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX XXXX, a " hard '' credit inquiry was made by XXXX to Transunion. This inquiry was made and went through even though my credit was frozen at Transunion. I have tried to find out how this hard inquiry was allowed to go through when a freeze was in place. 

Note : This freeze has been in place since XXXX when I found out I was a victim of identify theft. The freeze is in effect with all 3 credit agencies ( Transunion, XXXX, and XXXX ). I have lifted the freeze on specific times ( to buy house, car, etc ) but immediately froze the credit again. Transunion has confirmed that my credit is frozen. 

As a result of this hard inquiry, an account was opened in my name with XXXX ( of which I am not and have never been a customer ). 

I want to know why Transunion allowed this inquiry to be made - as a result of it my identity has been used fraudulently and made me a victim of identify theft despite actions taken with Transunion to prevent such actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: citi mortgage contact me on XXXX/XXXX/2016 regarding a mortgage payment due XXXX/XXXX/2016 I made an arrangement to pay on XXXX/XXXX/2016 citi mortgage contacted me again on XXXX/XXXX/2016 again regarding the exact same payment I just made a arrangement for the day before. 
citi mortgage contacted me on XXXX/XXXX/2016 XXXX XXXX regarding payment due on XXXX/XXXX/2016. I made an arrangement for payment XXXX/XXXX/2016. citi mortgage contacted me again on XXXX/XXXX/2016 XXXX XXXX regarding the exact same payment. I spoke with manager XXXX id # XXXX and manager XXXX ID XXXX. I was advised my only option to stop being contacted twice within 24 hours regarding the same payment was to send a cease and desist.

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 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: In XX/XX/XXXX, I contacted Transunion and spoke with a representative ( foreign ) and provided him with an account in which I wanted to place under dispute, which was XXXX Account. Once I got the results back in XX/XX/XXXX, I noticed that he disputed the wrong account instead he removed a XXXX account that was reporting a {$0.00} and that was a fairly good account on my report. I contacted Transunion today, XX/XX/XXXX and got a foreign representative again and explained the dilemma and she stated there was no way that they could re-insert the account. I requested to be transferred to someone in the United States, preferrably the Special Handlings Department in which I got XXXX who was a supervisor in the Special Handlings department. After I advised her of the situation she advised me that though it was their error, there is nothing that can be done. They are not to remove accounts that were n't placed under dispute unless it is time for them to be removed by timeframe and it is not. 

Since this account has been closed for a while, I highly doubt that XXXX will start re-reporting this account, since this since this will there will be a fee incurred for them to do so.

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 06/29/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: ok I have been trying to to dispute inaccuracies on my credit report and have had no luck with equifax the accounts that i issues with is XXXX is XXXX communications it is on my file twice i only have XXXX account and i cant get frontier to help and equifax claims that frontier is validating accounts over phone when i have request proof in writing i get nowhere acount has been paid but payments are inaccurate and i ld like account removed from credit file XXXX is a duplicate and still shows balance also XXXX tax leans with the state of michigan has been released and they refuse to update XXXX is a duplicate but i cant get the treasury to help but i would at least like to get update to say paid and satisfied

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Got a letter from Bank of America saying they will no longer accept personal checks when paying my mortgage. They claim that they have " received multiple checks over the past months that have been returned by my financial institution due to insufficient funds. '' I never had my check bounced. I feel that they are just harrassing me. I am not late in my mortgage payments. But they do call frequently to ask me when I will mail the payment. Now I get a letter that I have to pay by money order or cashier 's check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Due to the latest massive credit breach, someone, through fraudulent means tried to establish a line of credit using my information. the day was 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 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have reached XXXX XXXX XXXX for the past 2 months trying to to settle the debt, I learned to have two months ago via credit report, they posted the unpaid-debt on my credit bureau 2 mts ago Despite my efforts, they continue to give me the round around and sent my account to charge off. Need help solving the issue and have the company send me an agreement/settlement in writing.

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 07-05-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding LLC has sued me in Louisiana Civil Court, and has violated several of the CFPB Consent Order stipulations : 1 ) They have initiated a lawsuit with a failure to provide Original Account Level Documentation reflecting purchase, payment, or other actual use of the account by the consumer. 

2 ) They have failed to provide a document signed by the consumer evidencing the opening of the account forming the basis of debt and original amount. 

3 ) They have provided a Bill of Sale that fails to reference the particular debt being collected upon. 

4 ) They have presented to a court an affidavit in which an affiant represents having personal knowledge of validity of debt when that is not the case.

Company response to consumer: Closed with explanation