milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit bureaus Experian, XXXX, and XXXX are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these 4 XXXX, XXXX, and XXXX accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all XXXX. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : XXXX Credit cards and ID 's pictures sent to all XXXX bureaus, XXXX XXXX XXXX property whose mortgage is paid in full but does n't appear on any credit report, XXXX. Utility bill showing current address, XXXX. ExperianXXXX, and XXXX Credit Reports, Dispute Forms and Dispute Results, XXXX. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Real Time Resolutions, Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is XXXX. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I needed to get my Inquiries removed off my Credit Report

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 06/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NV).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase s uspended my account access and I ca n't log into the account at all. They asked me to upload my ID to allow an increase in transactions and as soon as I uploaded my valid ID they suspend my acco unt. TI st ill have funds in my account and I have no way of accessing them or removing them at all at this point. I 've sent several emails over  a 2 week time frame asking to resolve this issue and restore my account access but only got one automa ted reply with information about ID uploads ... none of which applies or has anything to do with my requests. They have n't addressed the issue and have not replied to any communications.  <P/> I would like to have someo ne at Coinbase restore my account so that I can log in and remove my funds that are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened an account with XXXX XXXX XXXX back in 2014 with zero interest for 5 years and set payments of $ XXXX monthly. I recently came into a hardship and missed a payment in XXXX and my balance was down to {$1000.00} If was away and my ex wife decided to call Wells Fargo and the person she spoke to said she can settle at 60 % of the balance owed ( {$680.00} ) to satisfy this account as payed however the person never mentioned to her that the loan would be considered charged off and take a hit on my credit report. I had no knowledge of any of this until I decided to call Wells Fargo because I noticed that my Wells Fargo platinum credit card was closed. When I called Wells Fargo I was told that since the XXXX XXXX account was settled it caused my Wells Fargo visa platinum card to close as well because Wells Fargo funds the XXXX XXXX account. Ive opened an investigation to try to reverse all of this so I can finish pay off XXXX XXXX in full and reopen my Wells Fargo visa platinum card but I was told they can not do that meanwhile the payment that was made to XXXX XXXX was made by my ex wifes bank account which when I called Wells Fargo they said that payment wouldnt have gone through unless it was my account being debited they even went as far as providing me the account number of my ex wifes bank account and saying it was my account which it was clearly not. So now My credit took a big hit my accounts ar closed and theyre saying they can not do anything. Please 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 non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried numerous times to get my free credit report from https : //www.XXXX.com. It keeps looping and giving errors so that I can not obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received treatment from a place called XXXX before I was seen by a doctor I had to submit my insurance information and a debit card on file. I never received a bill for the remaining balance that insurance did not pay instead the company was bought out by XXXX XXXX XXXX and all bills were turned over to Transworld collections I noticed the bill on my credit report and called and paid the bill immediately but also wondered why they did not use the debit card on file or XXXX card to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Have been making payments to  XXXX   XXXX   XXXX  a  XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , Texas for 2 years. I have the bank statements to prove this. Have not received a balance statement or acknowledgement of my payments. Have continued to pay monthly without fail. Called to check on the balance and  XXXX   XXXX   XXXX  said they did n't have my account. Gave them the acct number the payments were designated for and posted on the check. They said they turned the acct over to a collection agency a year ago. I have no indication that they had done this nor have I received any written notice from the " supposed '' collection agency, Amcall. Neither office can tell me who has been receiving and cashing my checks for two years. Amcall has spotty payments and  XXXX   XXXX   XXXX  says they do n't have any because a year ago it went to Amcall. However, I have been paying for two years. This seems to be a complete scam with neither party providing any written notices or verification of the debt. On top of this they have hurt my credit rating with undocumented collection claims

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called XXXX 14 times since XXXX XXXX. On XXXX XXXX I received an inquiry on my credit report from XXXX. It was not anything from me, nor have I ever heard of this bank, so I called them and asked them why they ran my credit. They are unable to answer me. They say they do n't see where I, or anyone else applied for an account, credit card, loan or anything else in my name or with my social security number. They have no clue why they ran my credit. I have asked them to remove the inquiry and they said they would because they do n't know why my credit was even ran. Here it is, a month and a half later, and 14 phone calls later and they still do n't have an answer for me. Just a bunch of customer service representives keep telling me the fraud dept is going to call me back. Of course no one ever calls me back. I 'm tired of having to continually explain my problems, due to your mistake. A mistake that you are failing to fix.

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 03/29/2017 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Deposits and withdrawals

Complaint: US Bank applies over draft fee 's on my account, based on the available account balance. They calculate the available account balance by subtracting my " Debit Card Authorizations '' from my actual account balance. 

" Debit Card Authorizations '' are defined below. 
" When you use your debit card as credit, and authorize payment without using your PIN, the final charge will be submitted by the merchant and reflected in your Account Balance once complete. Meanwhile, these transactions appear as Authorization Pending in your pending transactions list. 

Some authorizations may not be shown between XXXX and XXXX Central Time due to processing. " So this means they are charging me overdraft fee 's on pending transactions. These pending transactions have not completed and been paid yet. They subtract my pending transactions from my balance but not add my pending deposits until they have fully processed. 

I think if they are going to count my pending withdraws against my balance they should also count my pending deposits against my balance as well. 

Thanks, 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 02/27/2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt has not been verified, no contract or signature provided.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They 're saying I had gotten a phone with XXXX I got a bill for XXXX dollars back in 2013 but not thinking I never gave it attention and now they got me on a XXXX dollar bill that I never gotten or was told about just ended finding out about it on my credit report and I need to resolve this. .please thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed a {$230.00} cc charge XXXXAT on XX/XX/2016 on my XXXX card. They have not reversed out the the disputed item charge even after I provided the necessary documentation. XXXX keeps talking about a dispute charge with XXXX. I never disputed a XXXX charge.

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 10/19/2017 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: Personal information incorrect

Complaint: The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and XXXX XXXX XXXX XXXX in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, TX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We received a letter dated XXXX XXXX, 2016 from SPS Select Portfolio Servicing. The letter ( attached ) stated erroneously that SPS is the mortgage servicer of their referenced account. It identified a new Relationship Manager as XXXX XXXX. This complaint is to reject the letter and to report the letter as improper communication due to the following : On XXXX XXXX, 2016 a complaint was submitted as # XXXX to the CFPB because SPS illegally threatened legal action. The SPS response was disputed. SPS was informed that we refuse to pay the alleged debt in a letter dated XXXX XXXX, 2016. We specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved. 
FDCPA 15 USC 1692 ( c ) CEASING COMMUNICATION -- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
Again we specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/20/2016 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Closing/Cancelling account

Complaint: A while back I enrolled in a debt counseling program to pay my credit cards. That did not work out. I then went back to paying them on my own. Synchrony Bank/Dicks ( account no XXXX ) went back and charged all these interest fees and late fees. I have been trying to get caught up with them. I have a {$87.00} payment scheduled for XXXX XXXX. They then want another payment of {$54.00} by XXXX XXXX or will charge another late fee. They continue to push me farther and farther in debt with them

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 10/21/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this XXXX late payment to be removed because it is affected my score in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: we have been trying to refiance since last XXXX.we sent in everything that they requested from us, now today I get a letter stating that since I have not been late with my payment of which is XXXX every month at XXXX interest rate that I do n't gualify we liveon a fixed income of pension from my husband and social security for XXXX us besides we have XXXX mortgage the second is XXXX so I pay every month XXXX every month besides our every month bills all I want is to reduce our interest so we can survive a little better we ca n't get help from harp and XXXX act of which I do n't understand why please can you help us XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion deleted The XXXX of my credit report in XX/XX/2016. then put it back on my report under a new name XXXX. I would like this delete once and for all this is not my account under know name.

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 05-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, FL . XXXX To whom it may concern, Loan Number XXXX with Wells Fargo I was struggling but my mortgage was up to date went I received a call from XXXX XXXX one of Wells Fargo representative who explain to me that they are going to give me a break for six month and after the six month they would restructure the loan to made it more affordable and for the six month that I did n't pay they would put it back at the back of the account that was XX/XX/XXXX 
Between XX/XX/XXXX or XX/XX/XXXX There were someone at my door handed in me a foreclosure notice, So I went and got a third party name XXXX XXXX XXXX XXXX XXXX they also goes by the name XXXX. 
After paying them XXXX dollars I request to speak to Lawyer and I told her that I want to attend the court that when she told me that the case is in the first stage so I ask her how long it goes to go on for she told me about three to four year I ask if I have to continue paying the XXXX dollars a month and she say yes so I told her that not going to work and I 'm not going to pay no more money and they should stop representing me. 
Now went i get the court paper the date on those court paper would be expired. 
I received a call from XXXX XXXX wells Fargo representative telling that the property will be sold at action on XXXX XXXX XXXX. I did n't go to court but I was inform by XXXX XXXX it did n't go through and he gave me another date went it will be sold XXXX XXXX XXXX. I went down town to file a motion to cancel the sale. Enclose a copy of the motion. 
On XXXX XXXX XXXX I went to the court someone at the door checking the paper told me that there is a mistake on my paper work and he would let me in so I did have to leave. 
Again I received call from XXXX XXXX letting me no that the property own be sold he is given me the modification and that is what we working on from time until now. 

Your truly XXXX XXXX This is a follow up letter I wrote to the CFPB last year but I did n't got a respond so this is the second attend.

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 09/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The National Mortgage Settlement ( NMS ), RESPA enforced by Regulations X and Z, the California Homeowners Bill of Rights ( HOBR ) and other agreements govern how Bank of America is to conduct loss mitigation assistance and programs. 
At present, Bank of America has represented to me twice that a Department of Justice ( DOJ ) and XXXX ( XXXX ) Settlement and subsequent settlement offer were the result of a Request for Mortgage Assistance ( RMA ) borrower submitted application package rather than the proposed offer to settle for their misconduct during the loss mitigation process related to this home loan mortgage account. These representations were made on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
As recently as a XXXX XXXX, XXXX Bank of America has made the knowingly false representation to me and when I made requests for clarification all I got in response was a County Recorders Office Notice of Default and Election to Sell with a California Declaration recorded XXXX XXXX, XXXX publicly starting the foreclosure process. 
To date, I have not received any explanation of why Bank of America is representing the DOJ and XXXX Settlement offer as a borrower requested mortgage modification.

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