milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step.

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly.

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account.

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove.

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account.

I know that mistakes happen but it should not happen at my credit 's expense.

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have been trying to get XXXX to remove late payment history from my account for about 3 years. They accused me of missing a payment, which I had n't. It started in approximately XXXX of XXXX. I was accused of missing a payment, which I had n't. After they said I missed the payment, I started accruing late payment fees, etc. I was on a fixed income so it was impossible for me to give them XXXX payments, so I disputed with documentation, and then they would n't accept the money unless I gave them additional fees, which continued to keep me in arrears. 
They never resolved the issue with me personally, however, there was a class action settlement in which I received a payout of a about {$1000.00} due to payment history errors. While I received the monetary payment, they have not yet corrected the information on my credit report. 
When I 'd have a phone meeting to talk to a account manager they would cancel, reschedule or something last minute. 
They finally approved a modification for me but never reconciled the past due payments that wrongly reported. They show XXXX lates because the XXXX payment continued to appear in arrears every month. That is incorrect. I would like to have that history removed.

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 05/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I could n't see my credit score in free online 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 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX,2017 I registered two sells with Coinbase,  the first was for Ethereum - {$500.00} - Ref : XXXX. The second was for LTC - {$500.00} - Ref:XXXX. Both transactions are marked " Completed '' on Coinbase 's website. They state an expected transfer delay for ACH bank transfers of 4-6 business days. I submitted a support ticket with Coinbase on XXXX, still no response. It has been exactly one month today and I have received no response to my support ticket, phone calls, nor have I received any payment ETA.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Using a debit or ATM card

Complaint: I have attached a complete description of my problem with BB & T. Although this issue has finally been resolved ( after 3 months ), I am sending this to point out that we should not have been put through this strictly because of incompetence and lack of interest on the part of BB & T personnel. Why did I have to deal with the XXXX department and XXXX separate bank branches in order to finally find XXXX person who cared and was willing to help? It was a very poor customer experience. I wonder how many other fraud victims at BB & T go through similar experiences? Was our experience the norm, where the bank is trying to avoid fraud costs or was this situation an anomaly? I doubt that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted XXXX XXXX, Equifax, XXXX, & XXXX each with separate letters describing all the information that is incorrect on each of my 3 individual credit reports. 

I sent the first set of letters over 70 days ago, to each of the bureaus, with no response. 

I sent a second set of letters over 31 days ago, again with no response. 

Showing in detail the Inquiries that are fraudulent, the accounts that do n't belong to me and addresses, phone # 's, and Names that are not mine. 

I also sent copies of my SS # My AZ state ID, and a current household bill showing my Address. 

Despite each of the Credit reporting agencies placing a " Fraud Alert '' on my account, without me asking. They have not removed all the incorrect information, and they have not provided and signatures showing I have an account or a contract with the Companies in question. 

I feel this is a serious abuse of my legal rights and I am hoping to find some resolve with this complaint here and now. The following are all the misreported information on my 3 Credit Reports. 

The following are miss-reported and or 100 % inaccurate Inquires Alleged by EQUIFAX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Names Alleged by XXXX ; XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Phone # s Alleged by XXXX ; ( XXXX ) XXXX, ( XXXX ) XXXX The following are miss-reported and or 100 % inaccurate Addresses Alleged by XXXX ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following are miss-reported and or 100 % inaccurate Accounts Alleged by XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a reported address on my credit report that does not belong to 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 explanation
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Lease) with MERCEDES BENZ FINANCIAL SERVICES (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XX/XX/XXXX  I changed m y Lease payment due date to  XX/XX/XXXX  and was billed an additional {$160.00} for this change. Ever since t his change my due date has never changed and my account has shown in arrears every year around the same time. I have contacted  MBFS eac h time the payment shows additional fees and after several phone calls, and several weeks later - the solution is resolved and the charges are reversed from our account. I am guaranteed this issue has been corrected and will not be a problem in the future. The following year around the same time. The same thing happens again. Charges and fees are added to our account and it takes multiple calls, and weeks to resolve. Again we receive a guarantee it will not occur. Last month the charges appeared on our account again for the additional fees. We contacted MBFS and have not received a response as of this message. Our  Lease en ds XX/XX/XXXX  and we will NOT be purchasing another  Mercedes Benz.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this information XXXX times. 
1.Hospital Bill ( not mine ) 2.XXXX ( I sent them the letter I received from the creditor to remove the information ) 3.XXXX ( I sent them the letter I received from the creditor to remove the information ) I receive a notification saying they have verified the information after a couple of days and refuse to delete this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my  complaint.

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 08-08-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (PA).
Issue: Other transaction problem

Complaint: I have been selling items on ebay, with PayPal as the money transfer service, for 10 years. I sold a pair of shoes on XXXX for {$150.00} and another pair of shoes XXXX for {$61.00}. The buyers paid for the items and I can see the money in my PayPal account, however PayPal is holding the funds. I mailed the items to the buyers on XXXX and provided tracking information. The notation beside each transaction in my PayPal account indicates that PayPal plans to hold the funds for 21 days. On XXXX, I called PayPal to find out why the funds are being held for so long. The PayPal representative explained their policy, stating that I had not sold anything recently. I explained that I have been selling and handling payment transactions through PayPal for 10 years with an excellent track record of customer satisfaction! The Paypal representative said I would receive the funds 3 days after the buyer receives the merchandise and he was not able to make an exception. So the buyer will receive the funds but I will not receive payment. This is not fair to the seller. I have shipped the merchandise and have nothing to show for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. 
My home appraised for {$530000.00}. 
I have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. 
I now have 79 %. LTV so I should not have PMI insurance. 
Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 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: Old information reappears or never goes away

Complaint: 1 ) I have sent letters to the credit reporting agencies : Equifax, XXXX, and XXXX, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been applying to received my credit report from Equifax and XXXX. With Equifax I received a letter stating again I had to submit proof of my id due to they can not find me in the system. This time they sent the name as XXXX XXXX XXXX. They keep sending me letters asking for proof of id but sending it in the wrong name.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I do n't make enough to make money to repay my loan fast enough. I 've tried calling them to lower my payment but all I get is " there 's nothing I can do for you '' I owe more then $ XXXX and I feel that I 'll be paying this along with interest until I 'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: The specific problem is that via   XXXX   XXXX   &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a   XXXX   XXXX   rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score   XXXX   ;   XXXX   XXXX   XXXX  7  XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Meridian Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been billed for condo association assessments for a property that I do not own and did not own during this billing period : 1. I transferred title to this property on XX/XX/XXXX 
2. The property association send me bills for the XX/XX/XXXX assessments, due XX/XX/XXXX for this property on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. Each time I returned the bills in writing with a note stating I no longer owned the property as of XX/XX/XXXX 
3. On XX/XX/XXXX, Meridian Financial Services, a debt collector send me a letter stating my " debt '' had been placed with them for collections. Their contact info is : Meridian Financial Services , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX N.C. Dept of Insurance Permit # XXXX Account manager : XXXX XXXX 4. On XX/XX/XXXX I wrote a letter to Meridian Financial stating that I was not the owner and that I had notified their client of this 3 times previously in writing. 
5. On XX/XX/XXXX, XXXX XXXX/Meridian send me another nasty letter demanding payment. 
6. On XX/XX/XXXX, my attorney, XXXX XXXX wrote to XXXX XXXX and stated very clearly that I had conveyed the property on XX/XX/XXXX, enclosed a copy of the deed, a copy of the Florida statute showing I was not liable for any assessments after the transfer, that Meridian Financial was in violation of not only Florida law but federal law concerning unfair debt practice act. My attorney demanded that Meridian correct any report that reflects negatively on my credit that had been reported by Meridian. 
7. On XX/XX/XXXX I purchase a car. My credit report showed row Meridian had reported negative credit to XXXX and the other major credit bureaus. As a result, my car loan interest rate was considerably higher. 
8. On XX/XX/XXXX, I received another demand letter from Meridian. 
9. I have disputed the credit reported by Meridian with XXXX. I included all of the written correspondence above. XXXX contacted Meridian, Meridian has certified to XXXX that the original info is correct. So, even after all of this, they refuse to fix their mistake. 

Meridian Financial has continued to ignore me and my attorney. 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 explanation
Consumer complaint received 07/19/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XXXX XXXX, XXXX, I entered into a 30-year mortgage agreement with CHASE for my primary residence. In XXXX XXXX, my application for a mortgage modification agreement was accepted by CHASE, and I made three ( 3 ) subsequent trial mortgage payments to CHASE. After successfully completing the trial payment process, CHASE sent me a letter which stated that I was approved for a permanent mortgage modification. Chase also sent me the permanent mortgage modification agreement to review, sign and return to them. Upon review of said agreement, I discovered discrepancies contained within it as to the terms of repayment. I contacted CHASE and spoke with a representative and informed them of said discrepancies and the representative agreed that there were indeed discrepancies contained within stated agreement and advised me not to sign it. I contacted CHASE on numerous occasions via telephone and certified mail to request that a " corrected '' agreement be sent to me, so that I could sign it and begin repaying my mortgage. CHASE ignored my several requests for a " corrected '' agreement repeatedly over several months, and actually sent me a letter declaring that I did not qualify for stated mortgage modification, months after initially approving me for it and accepting my three ( 3 ) monthly trial payments. This matter has been an issue in my open Chapter XXXX bankruptcy case, in the U.S. Bankruptcy Court XXXX of Indiana. 
CHASE never addressed my request for a " corrected '' mortgage modification agreement, and sent me notification that they had transferred my mortgage to another mortgage servicer.

Company response to consumer: Closed with explanation