milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my 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 12/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Dear Readers I am having trouble with withdrawing my funds out from coinbase.com, they are not verifying my bank account and many other people i know, the procedure to verify your bank details is to send them a sepa payment from you bank and when they receive it they will verify your bank within a few days so you can have access to your funds, after sending them a XXXX  bank transfer onXX/XX/XXXXit was credited to my coinbase account the next day, i waited for 10 days then emailed them about why verification not been done, they replied with an automated message that did not have any relation to my problem, so i called them 3 times, 1st time they said wait another day, 2nd time was to send another payment and 3rd time to email my bank statement via a secure site, so i sent another payment which has also credited my account plus sent the bank statement, then waited again for a reply or verification for 4 days and nothing, i asked some friends who also opened coinbase accounts recently and they too are having the same issues. I would like them to either verify my bank details as they promised over the phone or return my funds back to my bank, i would be very grateful if you can help with this matter. Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional fixed mortgage) with NETWORK CAPITAL FUNDING CORP (TX).
Issue: Application, originator, mortgage broker

Complaint: I received a refinance interrest rate offer of 3.5% from Network Capital in XXXX California. After they completed a good faith estimate and sent someone here to do an appraisal another lender sent me an email guaranteeing 3%. I told Network about the other offer saying I think I will go with the XXXX lender. Network immediately said they will match their offer if I could get a good faith estimate proving their offer of 3%.  I told them they should have made that offer from the beginning and I wasn't going to have the XXXX lender construct a GFE just to bring my business to them. Network began very aggressively, to the point of extreme harassment, trying get me to make a deal with them. I finally had to threaten to call their District Attorney's office to make them stop calling me. I told them to give it up. I'm going with someone else. The only thing I need to finish my refinance with the XXXX lender is for Network to transfer the appraisal to the XXXX lender but they won't do it. They are essentially holding MY appraisal hostage so I can't go somewhere else.

Company public response: Company chooses not to provide a public response
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 CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A fraudulent account opened through XXXX XXXX was initially disputed as fraud on XX/XX/2017. To date, the account is still under investigation and continues to report a delinquent account to XXXX XXXX 's credit histories.

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 07/15/2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (IN).
Issue: Application, originator, mortgage broker

Complaint: My wife and I applied for a XXXX loan with Amerisave mortgage on XX/XX/2015. We supplied them with all the information they asked for in a timely manner and paid XXXX $ for an appraisal of the property. Everything was fine untill the rate we locked in at ( XXXX ) went up a quarter point. Then the circus started. They have asked for countless documents which we have supplied and as of XX/XX/2015 they are still asking for more. Seems they are going out of their way to discourage us from wanting to go thru with this loan. Believe me if I could get this rate elsewhere I would not be writing this and would have gone to another institution. Heres the real kicker. Our credit score is XXXX credit report shows perfect payment history on all loans. Show XXXX in CASH, XXXX in IRAs. They have 3 years of tax records with all schedules, all bank account records sinse XXXX of 2015 and we still are getting a run around. I saved all the emails of all the hoops that they put us thru because to expain it all in detail in this forum would take days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: Paid off Bank of America Account

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 09/23/2015 about Credit card () with PNC Bank N.A. (NJ).
Issue: Billing disputes

Complaint: i made a complaint about my pnc credit card being assessed 1.51 interest. for XXXX cent underpayment. this is the only bank that will insist on it. now i am told someone closed the account. i am reporting this to the media and to oither regulatoryu aegncies. they have money to pay idiots to do nothing but not to give me my money back. and must insist on interest. i want to know who closed it and whythis greed and stupidity must stop

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was called last year informing me that I am eligible for student loan consolidation. posed as a government organization they informed me all of my loans would be consolidated. Instead all they did was get all my information and pay a third party to fill out a student loan consolidation application when I could have done it on my own for free. all in all my loans did not get consolidated and I went on fedloan.gov today and completed the application myself.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (I do not know) with United PanAm Financial Corp. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: United Auto Credit ( XXXX ) contacted my cell phone ( XXXX ) 14 times between XX/XX/XXXX and XX/XX/XXXX with a total of 14 calls. I have never done business with U.A.C. nor do I owe ANYONE money and have no idea why they were harassing me. 
I contacted them on their " contact page '' and also had an attorney contact them and received no response. 
This is there Nevada license info if you find it helpful. 
XXXX The calls are always a recording that only states a " business matter for XXXX XXXX '' but not who they are and no way to opt out. I have no idea who XXXX XXXX is. 
I have a photo album of all calls and some notes if that would be helpful. 

Thanks,

Company response to consumer: Closed
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX I had a hard imquiry post to Experian, XXXX  and Experian from XXXX XXXX Date Filed XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and Experian. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three 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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CAPITAL ONE IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: please help me to come to a resolution in this matter, i have been a victim of ID theft and several accounts have been used on my behalf, i have already disputed this matter with all XXXX credit bureaus but so far no help from their end, i will be attaching my police report that i have inquired from XXXX XXXX police department along with the FTC application. 
please follow this issue with them thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Medical) with eCon Credit LP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed  Nationwide Acceptance Corporation app ear on my credit report today  XX/XX/2017   . I have no outstanding medical bills with my insurance carrier. I have attempted to contact this company via certified mail and via phone at the numbers listed on their website contact information. ALL TELEPHONE NUMBER ARE INVALID. Also noting there are two variations of an address as well from my credit report versus the company website. It is my belief this is a fraudulent company attempting to obtain money from me and falsely reporting information on my credit report.     Telephone Numbers Listed NOT IN SERVICE :  XXXX   XXXX  WEBSITE :  http : //www.nationwideacceptance.com/contactus.aspx

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 07-07-2016 about Student loan (Non-federal student loan) with SUNTRUST BANKS, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After numerous attempts, Suntrust and its assigns, XXXX, XXXX, continue to report a charge off on a student loan that was refunded in FULL. I have obtained supporting documents from the university that express without doubt that Suntrust is erroneously reporting a charge off to the credit bureaus, XXXX, XXXX & XXXX. I am requesting that any and all reference to this account be removed. Please see 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 monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I recently visited XXXX, Equifax, and XXXX websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. XXXX shows XXXX actual XXXX ; Equifax shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BARCLAY BANK WAS SUPPOSED BY CLOSED AS OF XXXX/XXXX XXXX/XXXX WAS SUPPOSED TO BE CLOSED AS OF XXXX/XXXX ALSO 4 OUT OF 7 ASSOCIATED ADDRESS ARE NOT CORRECT

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 06/24/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

TransUnion -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 10/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Closing/Cancelling account

Complaint: My account with Kohls was closed because my husband died. They told me to open a new account in my own name. I have always paid my account on time. Closure dinged my stellar credit rating. I have a Kohl 's MVC ( valuable customer rating ), entitling me to discounts, etc. They ca n't transfer this to a new account. The response to my complaint about closing my account and inability to transfer my status, was '' we 're very sorry, please call the company president. " So much for being a good customer. Kohls = Scrooge in my opinion!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Debt has not been accurately verified. They have not produced a contract with my signature as requested.

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 10/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (AL).
Issue: Struggling to pay your loan

Complaint: On XXXX/XXXX/XXXX my XXXX received a call from the same number XXXX back to back when she finally answered they belittled her and threatened to arrest her for XXXX XXXX XXXX from XXXX that never got paid when I called them they did the same to me accusing me of trying to defraud the lender and was going to have a warrant out for me if I didnt pay this ridiculous amount

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently applied for a credit card through XXXX. I was not approved. I was sent a letter stating that there is a fraud alert on my credit file, and no telephone number for the lender to contact me. I have not initiated a fraud alert, and I do not understand why my telephone number is not available for a lender to contact me.

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 08-11-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (DC).
Issue: Managing the loan or lease

Complaint: Toyota motor credit account # XXXX / after the lease was due i turned the car into the dealer and waited 6-7 monthfor s for a final bill never received one until it went into collection and they wanted XXXX the inspection report was never taken at the time I delivered it to the dealer. 
the condition of the car was excellent other than the mileage being over and I was waiting for the bill for the mileage overage only.but {$1900.00} I said no. 
its been 3 years and a few collection agents .I need to settle it and have it re moved from my credit history.CAN YOU HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Toyota financial service reporting a balance and a payment on my credit report. I filed a dispute XX/XX/XXXX and they sent a letter stating dispute is resolved. My credit report today XX/XX/XXXX still shows balance due of {$4700.00}. And a payment owed of {$510.00}. The error occurred when I first leased my vehicle - Toyota opened two lease accounts in error. This needs to be corrected as it is still on my credit report. There is a note stating DISPUTE RESOVED. My credit report should not show I owe anything. This lease is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Late fee

Complaint: Paid off credit card with Synchrony Bank during the promotional period. This amount covered the amount that was used to make purchases. I told the company to close my card, which they did. 2 weeks later I received a bill in the mail that I still owe another {$290.00}. I called Synchrony Bank and they told me I owe {$290.00} in late fees. I asked them how when I paid each month on the credit card. It is also listed on my credit report that I paid on time every month. The company for some reason, will not remove the late fees, even though I was never late ... They have now charged me another late fee and the balance is over {$300.00}. I made numerous attempts to call them and tell them I do not owe them a late fee if I was never late on payments and have proof from the credit bureaus that it was reported on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The Rushmore Loan Company purchased my mothers loan from XXXX XXXX XXXX in XX/XX/XXXX with monthly payments of {$830.00} due. In XX/XX/XXXX, my mother passed away and I assumed responsibility as co-signor for the remaining debt of approximately {$24000.00} in which payments of {$900.00} to {$1000.00} have been made consistently on a monthly basis. In XX/XX/XXXX, I received notice from Bankruptcy Court that Rushmore wanted to request a motion of relief for delinquency. I contacted Rushmore immediately and was told that XXXX payments were missing during the XXXX time frame. I explained that I had no knowledge of delinquent payments and could I work out a payment plan to include adding any missed payments to end of loan. XXXX XXXX Rushmore Relationship Manager gave me XXXX options to pay the delinquency plus fees. Option XXXX is payment in full. Option XXXX is Repayment Plan for a short period of time. Option XXXX was for a loan modification. I was told that I would also have to pay for the additional fees associated with this loan. The fees were for a Lender placed Fire Insurance Policy ( not in a fire zone according to FEMA ) and {$1100.00} for the monthly home inspections and analysis of property. I have not received any contact from Rushmore until today XX/XX/XXXX regarding any delinquencies. I also feel the adding of the Fire Insurance Policy is not in standing with FEMA for Georgia. This property is not in a flood or fire zone and is covered completely by Homeowner 's Insurance Policy. There has not been any contact with the owners concerning the monthly home inspection and/or analysis. The charges for corporate fees and insurance would fall into the Predatory Lending Practices for inadequate disclosure along with inflated fees and charges.

Company response to consumer: Closed with explanation