milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been disputing incorrect information on my credit report. XXXX is especially one account that is reporting that should be deleted. Today I attempted again for the 3rd time to access my experian credit report online using report # XXXX. Again I was directed to link that they are unable to allow me to view my report. It states if I have a dispute I can write them or call experian again. Experian is not doing a proper investigation on the XXXX item I am disputing they just keep responding that is it updated. I am furious at this point because I have paid this company in full 3 years ago and I should not be reporting as a XXXX balance but then marked as a charge off to a bad debt. I am trying to fix these wrong items that are reporting as it is affecting my credit score but I ca n't even view my credit report online through experian even with a report number. I am not calling them again because I am always told the same thing plus I have to wait on hold to even speak to a rep. I am very close in obtaining legal advise and suing experian for reporting false and wrong information on my report. I am submitting this complaint XXXX last time in hopes that they ( experian ) will delete this account. I was also told from an experian rep awhile ago that XXXX did not respond from my last dispute and it would be deleted being they did not respond. I explained that they will not respond because they are no longer in business so this should have been deleted months ago. I should have had this account even charged off to a bad debt to begin with because they were paid in full. No wonder they are out of business they are very dishonest. I am submitting this complaint in hopes that I will get an updated 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 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Money was not available when promised

Complaint: Coinbase is a huge scam. I have provided all my documents they request to withdraw my funds and still I am not able to do so. Their system to verify the identity is a simple questionaree that never works. I have been tried to withdraw my money for 5 days now and still not able to. I have contacted their support three times as of today ( XX/XX/2018 ) and still just receive automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX problems on my credit report with Experian 1 - There is an account listed which is not mine Creditor : XXXX 2 - The total for " Revolving Credit Limit '' includes limits for accounts which are closed I had mailed a dispute form to them in XX/XX/XXXX but have received no response.

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 11-03-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: disputed with Equifax twice about a debt that was previously deleted from my report but reinserted without notice. They will not remove and I disputed with the collection agency 4 times with certified recipets that they have gotten my request. XXXX XXXX XXXX Collection agency has not responded to any of my validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (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 feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: In XXXX 2017, my husband and I were about to sign the paperwork to purchase our new XXXX XXXX XXXX. Before we signed, we communicated several times with the sales person that we needed to make sure the vehilce had all wheel drive. We even stated that if the car did not have AWD then we would not purchase the vehicle. It would be a " deal breaker ''. The sales person assured us that the vehicle was AWD. With the first real snowfall coming this past week, my husband was driving our car as it slid along the snowy road. He asked me to look through the owners manual to see how to activatey the AWD. The manual indicated there would be a button to turn on. The button does not exist. When I called the dealerhip asking about ths, nobody could answer whether or not the car automatically turned on AWD or if it did require a button. At first, someone in the service department said that it was automatically turned on and did not require a button. When I referenced what I had read in the manual, the serviceman then investigated further and found that it did indeed require a button to turn on and was not automatic. He then referred me to the manager. I communicated our story to the manager and the fact that the salesperson insisted the car was AWD. The manager said he would invesitage further and call me back. When he called back, he basically said too much time has passed since the purchase of the car and nothing can be done to alleviate the problem. I communicated that I did not have a need for AWD in XXXX or the fall and it was n't until now that I discovered the error. He then communicated that there was nothing to be done other than to bring my car in and trade it in for a vehicle with AWD which would end up costing me more money in the end. If the salesperson had been up front with me and my husband about the car not having AWD, we would have gladly looked at another vehicle that did. We were motivated buyers. We probably would have bought another vehicle and the dealership would have still had their sale. I have XXXX children that I taxi around. AWD was a must not only for my safety but more importantly for the safety of my children. My husband and I feel as though we were taken advantage of and we were most definetly sold a car that was promised to have AWD, but does not. I did not buy the car that I thought I did.

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 06-01-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Forbearance / Workout plans

Complaint: On XXXX XXXX 2015 I went on XXXX from my job due to XXXX and I was being Harassed at work for my illness. Immediality I contacted my creditors asking to activate my XXXX. I was told they had no record of my ever having this program. I insisted I did. However, I asked for assistance and Discover Bank refused to work any kind of assistance with me. I informed them I was going to be on XXXX income and there was not any money. Unfortunately, they refused to offer any assistance. After I went on XXXX income and I began processing my XXXX with the Social Security office they considered to Harass for payments. I continued to ask for deferment since my XXXX insurance was canceled with the company. During this time I was starting to fall behind on my payments. They insisted I had to pay my back-payments and apologized for any inconvenienced. I went on line to my account and tried to make a partial payment and it was rejected. At that time I stopped paying any payments and gave up. Shortly afterwards I went into a XXXX due to my XXXX and the inability of working anything with Discover Bank. 
I almost lost my house last year, I would like to continue to make payments I can afford without causing any more problems to my home and family. 
They have currently hired A Law firm without contacting me to my knowledge. the firm is XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, NY XXXX ; XXXX. This firm have SUMMONED ME TO ANSWER A COMPLAINT through XXXX XXXX Clerk. I have not received any phone calls, nor did I receive any mail to my knowledge prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Todd, Bremer & Lawson, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a XXXX at XXXX, I signed up for a class, then dropped the class in favor of taking it at XXXX. They never processed my drop, it said drop pending ( hold ). It apparently would n't let the professor kick me out either. I never attended the class. A year later i get a bill from XXXX. I turned in forms at XXXX showing the fact it said drop pending and that i took thaf class that semester at XXXX college. They told me the situation would be handled, closes my account and wrote it off. 3 years later I find a collection on my credit report. Even though this was supposed to be settled I paid the XXXX. Then after I pay it they tack on XXXX in fees. This should of never been billed to me and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with Credit Bureau Services Association (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Original creditor XXXX XXXX XXXX was paid by XXXX for services rendered as a result of on the job injury XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All of my  Capital one ac counts were included in my  DISCHARGED Chapter   XXXX  Bankruptcy in  2013  ... YET they continue to update the accounts monthly!!! By law they can not continue to update and damage credit after a  discharged bankr uptcy!

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: My issue is with capitalone. I purchased a new car last from XXXX XX/XX/2016 and Capital One approved my car loan for six years. XX/XX/XXXX/XX/XX/2016, I paid {$20000.00} on the car. However, Capital One is charging me $ XXXX month, I assume since I knocked {$9000.00} in interest capital one needs to make back the interest they lost they did not change my car payment to {$86.00} a month for five more years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.

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 06/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX when I called my Mortgage Co. asking on the status of my " auto pay '', the representative ( her name is XXXX ) told me that my auto pay has not been set up yet, so she advised me to pay by phone to avoid late fee, so I did. Today XXXX XXXX, Seterus ( a Mortgage Company ) charged me twice ( on my checking acct ) dated XXXX XXXX and XXXX XXXX. I called Seterus and I have requested to send the money back to my account but they say that they cant do that unless I request a letter from my bank. XXXX took the funds from my XXXX savings and they charged me for the transfer fee. I called my bank XXXX re : such letter that Seterus is asking but XXXX said that they cant issue letter to a XXXX party. I called Seterus again but they said that there 's nothing else that they can do but considered it as " advance pay '' for the next month. I have asked for the assurance that they I will not get double charged again but they cant give me XXXX. 
I hope that someone can help me regarding the situation, I want my money back on my account, I also hope Seterus will pay the transfee fee that XXXX charged me when they took the funds from my savings to cover. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have XXXX open collections when I only owe XXXX school ( XXXX XXXX ) XXXX amount. 
So because their are XXXX its making my Reported Open Collections Balance {$4300.00}. When it should only be {$2100.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (WV).
Issue: Loan servicing, payments, escrow account

Complaint: case # XXXX Shellpoint Mortgage sent the power of attorney from the wrong company. It should have been XXXX XXXX not XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did n't properly use it 's considerable assets to protect my personal data despite making insane amounts of money. Deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been working with an attorney for several years to get a a loan modification due to hardship from my husbands loss of employment. Bank of America granted a DOJ modification with principal reduction and impounded taxes in XXXX XXXX. It was finalized a few months later. In XXXX XXXX the loans wa service released to XXXX XXXX XXXX ( XXXX ). Shortly after the release of the loan to XXXX, I received a notice from Bank of America Escrow Dept. and XXXX separately, saying that we had an escrow shortage of {$20000.00}. I thought for sure this had to be an error since Bank of America no longer serviced the loan and we had received the modification with all past due balances and escrow delinquencies into the the back end of the loan. A few months later, I received our annual property tax statement showing the taxes had not been paid. I contacted XXXX to ask why taxes were not paid since the loan modification includes an escrow impound account. They looked into it and then notified me that the taxes would be paid immediately. At that time, I also questioned the escrow shortage that was still showing on my account. I was told to write a dispute and send into the XXXX resolution dept., which I did. The response was that Bank of America, the previous servicer, did not capitalize the total amount of delinquent taxes. So when the prior servicer paid the taxes after the modification was processed, this created a negative escrow balance. I still dont understand how this can be the case. I contacted the county tax assessor which told me the taxes were all paid to date and a refund was coming to me. I responded to XXXX with another dispute still requesting resolution for the escrow shortage with proof from tax assessor that a refund had been issued and all taxes paid. I requested refund be applied to my account. XXXX replied with the same information that Bank of America transferred the loan with an escrow shortage. A few weeks later, I received an audit from XXXX stating that my mortgage payment would increase by about {$750.00} per month for 36 months to account for the erroneous escrow shortage. A few after that, XXXX service released the loan to XXXX as of XXXX XXXX, XXXX. I have tried to contact Bank of America to get any sort of resolution and ca n't speak with anyone. I havent been able to get resolution with XXXX. I am at a loss as to where to proceed. I CAN NOT afford any increase in my mortgage payment. I hope and trust that Consumer Financial Protection Bureau will look into this serious matter and assist in a fair resolution.

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 08-04-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Problems caused by my funds being low

Complaint: XXXX was authorized on XX/XX/XXXX for XXXX XXXX on XXXX, it was a one time charge, and when it was processed there were ample funds to cover this charge. I see that it 's now showing up on XX/XX/XXXX, well past the posting date causing an invalid {$38.00} NSF fee. I request that this overdraft fee be removed. Furthermore, an XXXX charge for less than one dollar is completely ridiculous. Per the terms on overdraft, The NSF charges described above are applied for processing items presented for payment against insufficient funds ( NSF ) with a maximum of XXXX charges per day. This payment was presented on XX/XX/XXXX, therefore the NSF is invalid. 
In XXXX 2016, I filed a complaint against this company because I thought that as long as my posted ( Cleared ) balance did n't drop NSF than I would n't get charged a fee. However, what they sent CFPB and me, it 's based on when the card is swiped, not the posted balance. Now after a conversation with them, they are changing and sending me a fee for this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (MI).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, the state of michigan 's step forward program which was created by the hardest hit fund sent over {$15000.00} dollars to Amerihome Mortgage company to bring my account current to avoid foreclosure proceedings. Amerihome acknowledged those funds on XXXX XXXX, 2017. I just spoke to a representative today on XXXX XXXX, 2017 acknowledging that I am current. However a different representative today has told me that I am still in a state of foreclosure and the sheriff 's sale is still listed for XXXX XXXX, 2017. They also will not let me make a payment for XXXX XXXX, 2017 when the payment is due until the past due amount of {$15000.00} dollars is paid. I am consistently getting inconsistent information and the phone calls are becoming harassing stating that I still owe money even though they have already accepted funds to bring me current by the State of Michigan 's program.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX closed all of my credit card accounts after pulling my credit report saying I had too many recent inquiries. I have a spotless credit history and have never missed a payment and I rarely even carry a balance on my credit cards. I 've been with XXXX for over 10 years and still have an auto loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with TD BANK US HOLDING COMPANY (NV).
Issue: Billing statement

Complaint: I am being denied access to an itemized credit card statement by Target Redcard, which I need for tax purposes. Both paper and electronic statements simply list " transaction '' and the total amount spent rather than the individual items. I was told by customer service that they can not provide me with the itemized statements although I can inquire about a particular purchase, which is unhelpful to me for tax purposes. Do I have a right to an itemized statement?

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: I attempted to refinance my mortgage. I was emailed documents to sign electronically to continue with the loan process. In the documents it stated a XXXX dollar loan amount instead of the XXXX dollar loan amount. The company refused to correct the issue and told me to just sign the XXXX dollar document.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CIT BANK, NATIONAL ASSOCIATION (PA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: on XX/XX/2016 I checked my credit report and all my inquires was deleted, when I log on today all of my inquires were back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Someone stole and used my information as a co-signer and took out a student loan. I did not sign my name anywhere for this. It is identity theft and I never authorized myself to be a co-signer.

Company response to consumer: Closed with explanation