milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Attached are 2 pages from XXXX XXXX XXXX XXXX, showing a two page  customer account activity statement ( caas ) showing ZERO late charges against our account in XX/XX/XXXX. The Credit Agencies show late payment charges fromXX/XX/XXXXfor ten months, these are wrong and need to be urgently removed from our Credit Reports The caas shows zero late charges in XX/XX/XXXX. It also shows any late charges prior to XX/XX/XXXX were waived, in settlement by XXXX. Such late charges were made at a time when XXXX, under old XXXX XXXX XXXX, were unfairly making false charges aginst their own customers. In fact there was only one initial occurrence of a late charge when l was XXXX XXXX and in XXXX XXXX. After that ongoing XXXX of XXXX XXXX stopped me from working., However we never fell behind after the one occurrence. We paid on time every month thereafter.We argued this with XXXX and they refunded all late charges XX/XX/XXXX. Credit Agency/s are wrong and unfair in PERPETUATING these refunded charges made prior to XX/XX/XXXX. The TWO key issues are ; 1 ) XXXX confirmed no late charges were posted to our mortgage account in XX/XX/XXXX. The credit agency/s must remove all late charges from my account in XX/XX/XXXX ... .as there were no late charges. These incorrect XX/XX/XXXX reports are stopping us from buying a new house. We have been told by other mortgage banks, no loans will be extended to us till the end of XX/XX/XXXX, because of this error in credit reports. This may stop us from ever buying a house, because the costs in an apartment are drawing down our deposit savings. The Credit Agencies must do this urgently, as every day they delay they hurt us considerably, At XXXX we do n't have the time, nor the savings account balance, to sustain further delay. We have always paid our taxes and been good citizens. We have been XXXX XXXX for many years. 2 ) The 'caas ' shows ALL late payments charged prior to XX/XX/XXXXwere removed from our XXXX account. XXXX credited late payments back to us on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Again, as per complaints # XXXX, # XXXX and # XXXX Trans Union is not reporting proper scores even after 2 weeks : my score has increased only by XXXX points to XXXX as of XXXX/XXXX/2016 ( as opposed to the XXXX they sent to me 2 weeks ago ) even though nothing has changed with my credit accounts or credit utilization. Supporting documents attached.

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 01/20/2016 about Debt collection (Payday loan) with High Point Asset Inc (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt collections company contacted me today stating I owed XXXX different payday loan companies I have never heard of. They were able to verify my old email address at the time as well as my bank. I know I do n't owe because I just recently checked my credit report and none of these companies have ever been listed at any point in time, nor are there any matching amounts. This company can seriously SCAM innocent people out of their money. I know my consumer rights and this is out right wrong of them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Account # XXXX Please delete this on my credit report. This has been paid and never use. 
I am trying to refinance my mortgage and it is really hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I wired XXXX to Coinbase through XXXX on XX/XX/XXXX. After quickly realizing that my recipient number was not included when I wired it ( no option on my online banking account with XXXX ) I filed a support ticket and called them. After being disconnected several times, I was finally connected after 2 hrs on hold. The CS rep told me that my money would be rejected by coinbase within 3-5 days and be returned to my account. I then called my bank and they said that after coinbase rejects it, it should show up after 10 business days. After 10 business days, I did not receive anything, and no one responded to my support message. I tried calling again around mid XX/XX/XXXX. This time, they said they " escalated '' my case and it would be worked on as soon as possible. It is now XX/XX/XXXX and I have not heard a single word from them. Please help me get my money back from these thieves!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Deposits and withdrawals

Complaint: I deposited a check in XXXX currency with the Citizen 's Bank XXXX XXXX, 2015. Instead of converting to XXXX currency at the published Exchange rate of C {$1.00} = XXXX {$0.00} on the date of conversion, the Bank gave an Exchange rate of C {$1.00} = XXXX {$0.00}. This amounted to a difference of more than XXXX {$1800.00} in their favor for handling this transaction. 
I called XXXX other banks with whom we do business, and was told they always used the posted official daily exchange rate. 
Please respond with the Official FTC policy regarding this matter. 
Thank you. XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX, Tel. ( XXXX ) XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Settlement process and costs

Complaint: I filed a complain against Chase Mortgage on XX/XX/XXXX. Before I filed the complain I contacted them approximately one week before. I began getting disturbing letter from them. Attached are some of the letters. I feel that they are harrassing me because of the complaint. I have never gotten any letters like this before from Chase Mortgage before. I did not ask them to sell my house I never asked them for a loan. I do not know anything about a short sale. I did not call them in regards to anything remoting pertaining to that. I was called by XXXX XXXX XXXX XX/XX/XXXX the evening of my complaint and she asked me questions about the situation and I responded to them she told me that she will get back with me on XX/XX/XXXX but she did not call me back. I received a call from her XX/XX/XXXX, she told me that she found documentation to show that chase paid off a {$19000.00} credit card loan for me in XX/XX/XXXX. I told her that did not happen and I have never ran up a credit card for that amount of money in my life and that I only have XXXX credit card. She said that I may have forgotten that I did and I may want to pull my credit report because it shows that on my credit report. She told me to call my bank the XXXX XXXX credit union because my credit report shows the pay off. I told her it was impossible and I have never put that much credit on my credit card in my life. She continued to insist that I did it and can not remember I felt that she was forcing me to admit to something that I did not do. I am not sure why she pulled my credit report because I did not give Chase permission or authorize them to do. I asked her to fax a copy of the documentation that she discovered but she refused to do so and told me that she had no way of faxing or e-mail ing this information to me and she would send it in the mail to consumer protection. I am very concerning about this kind of behavior especially having my mortgage loan with Chase. What type of people are they giving access to my information? She kept asking me if I had documentation for the loan and I kept telling her no otherwise I would not have called them. This harassment must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NY).
Issue: Credit decision / Underwriting

Complaint: I was told I met the criteria for my child support to be used as income for my mortgage and that I was preapproved for a mortgage. I provided statements showing I received consistent funds from the exhusband then was informed that because he provided me with more than detailed in my divorce settlement, I did not qualify under the FHA guidelines. ( Which was odd because I was applying for a conventional because it cost less. ) When I called them out on it, they then " took back '' their preapproval/Letter of Commitment and said that because his name is on the account with restricted access, deposits only, no balance notification or withdrawal privileges, that " I 'm done ''. They will not write a mortgage for me. It 's my social, my account for the house I live in and all of my bills. When the mortgage person found it too challenging to pursue underwriting 's decision, he baited me with a question as to whether I had EVER paid any of my ex 's bills with that account, my reply was yes, I used his XXXX XXXX account ( which at that time I was a co-owner of ) and I repaid the amount I charged. Apparently that was all this mortgage guy needed and ceased all efforts on my behalf and has since refused to provide me with any communication.

Company response to consumer: Closed
Consumer complaint received 03-04-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage charged me bogus property inspection fees every two weeks. They also put my payments in a suspense account and charge me late fees and report late payments to the credit reporting agencies. On XXXX XXXX they mistakenly took out XXXX payments for my mortgage when I had previously called to cancel XXXX. They have put me under financial strain and caused me to be late on other bills. My auto payment is late as well as utilities and credit card payments. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I received ached from my insurance company to pay for hail damage on my house. I went to the Compass Bankin XXXX XXXX to process their endorsement of the check and then for Compass Bank to mail the check to XXXX to get their endorsement. Instead BBVA Compass endorsed the check and placed the  money into my helot account. Once Compass figured out what they did wrong the bank reversed the deposit of the money out of my account as insufficient funds. Now Compass claims they are sending a check overnight to my XXXX branch but nothing showed up. 
Here we are 5 weeks later, I am afraid my contractor is going to lien my property and Compass Bank is going to foreclose because it looks like I bounced a check. XXXX still wants the check for their escrow amount. 

In all this Compass Corporate does not think this is a big deal. 

I do want to let you know that the people at the XXXX XXXX Branch of BBVA Compass have tried hard to help me but the higher management is trying to cover the fact that they erred in not getting XXXX endorsement. 

Compass Bnk employees XXXX XXXX and XXXX XXXX are responsible for the accuracy of the non sufficient funds internal ticket number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (MD).
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: Please see the attached findings from  XXXX  's  XXXX   XXXX ,  XXXX  investigation. The date of payment, actual payment, scheduled payment amount and date of last activity are all incorrect. In addition, my  XXXX   XXXX ,  XXXX  report does not reflect  XXXX ,  XXXX  and  XXXX   XXXX  reporting. The following should reflect a s : 1. D ate of Last Payment :  XXXX   XXXX ,  XXXX  not  XXXX   XXXX   2. Actual Payment Amount : {$1200.00} not {$1200.00} 3. S cheduled Payment : {$1200.00} not {$1200.0 0} 4. Dat e of Last Activity :  XXXX   XXXX  not  XXXX   2016 See  CFPB complaint numbers  XXXX  and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled this credit card for less than the full amount due 12 months before my bankruptcy. The card was through XXXX. I have only ever had XXXX card through XXXX. EquiFax reports it as included in bankruptcy, other agencies do not. I created a dispute and their response was that the creditor verified the information was correct. I then called EquiFax , created a phone dispute and faxed them the letter from the law firm stating the account was settled for less than the balance owed. That was XXXX XXXX. On XXXX XXXX, I got back the exact same response, that the creditor had verified that the information on file with EquiFax is correct. The last XXXX of the account on record with EquiFax and the last XXXX of the account settled do not match. I believe this is because at some point XXXX canceled the program my card was attached to ( XXXX XXXX card ) and reissued it under program. However, I have only ever had the XXXX account with XXXX. Attached is the latest ruling from EquiFax and the letter from the lawyer after I made the settlement payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2015 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (FL).
Issue: Deposits and withdrawals

Complaint: On approx XXXX XXXX I opened a svg acct with Synchrony Bank online. I added XXXX XXXX XXXX Bank to my Synchrony acct so I could transfer money. Synchrony verified XXXX acct by submitting XXXX small deposits on XXXX XXXX. The day after I then transferred money from XXXX to Synchrony to fund the acct. On XXXX XXXX I set-up another transfer from XXXX to Synchrony but on the XXXX I noticed it had not gone through so I called Synchrony. I asked why the additional transfer I had requested the week before had not gone through. I was advised that my acct had been locked because they were not able to verify the XXXX acct I had requested the transfer. Keep in mind this is the acct that funded the Synchrony acct. after they submitted XXXX deposits to verify the acct. After calling them almost everyday for 2 weeks and speaking to various supervisors they finally transferred my money back to XXXX on XXXX XXXX. This was by far the worst experience I have had with a financial institution and I want you to know that they should not be allowed to manage anyone 's money. I felt like I was being held hostage because of their incompetence. Imagine ... Synchrony could n't verify an acct that funded the svg acct I had opened with them. This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016.

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 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Torres Credit Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from Torres Credit Services # XXXX. I had previously disputed this account. I have never done business with Torres Credit Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Torres Credit Services provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Torres Credit Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made several attempts to rectify this matter with XXXX XXXX XXXX   and Equifax. I have notified XXXX XXXX XXXX and Equifax that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (SC).
Issue: Managing the loan or lease

Complaint: Ditech will not provide original documents or loan modification documents even though I 've asked for them. The loan has been paid off ( overpaid ). The account was current in XXXX 2016 when I requested this information. 
While researching Ditech notified me that they were ceasing collection activity and did not send me a billing statement for XXXX. They deferred the XXXX and XXXX payments ; however, in the XXXX billing statement, they indicated that I was 2 months past due.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My father in law passed away unexpectedly and had a home equity loan from Sovereign Bank. There was a XXXX dollar balance on the account when he passed away and we paid the balance, even though he had mortgage insurance. We sold the house and were told that we would have to pay a XXXX dollar penalty because we closed the home equity line early, even though he had died the bank stated that " these are the rules ''. A complaint was filed with Sovereign XXXX years ago with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05-06-2016 about Debt collection (Medical) with Alorica Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This was a debt that was mailed to an incorrect address. Once I found out about it, I immediately paid it in full. I asked that it be removed from my credit report due to not receiving the bill. I contacted the company but they only updated it to say it was paid. I should not be penalized for the bill being sent to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Customer service / Customer relations

Complaint: I once had XXXX Capitol one credit cards. XXXX for XXXX and XXXX for XXXX. I XXXX an during my XXXX I missed a payment on the lower card. I called them immediately and they understood completely. I paid the card off on the phone and closed it. In return Capitol one removed the negative from my XXXX and my XXXX credit report, but left it on the XXXX. I called and ask that they remove it and they refuse. According to the law if they remove it from one they must remove it from all.

Company response to consumer: Closed with explanation