milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX. <P/>XX/XX/XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX.

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 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian refuses to remove a security hold on 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 non-monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A debt with XXXX was settled with the original creditor ( XXXX ) prior to being sent to collections. XXXX has agreed to remove the account from my report however Transunion will not remove the account nor will they allow me to open a dispute with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit determination

Complaint: Barclays Bank pulled a hard inquiry on my account after my account was paid in FULL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX student loan, sent me a letter agreeing to delete all XXXX accounts off of my credit report. I submitted a dispute with Experian and they have yet to delete the accounts. XXXX deleted the accounts off as agreed in the letter, what is the purpose of submitting documents with our dispute if they are n't going to abide by them. This is n't their credit report it is mines that I am working hard on getting cleaned up, are they following the rules and regulations like they suppose to be. Please help In this matter

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 04-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown and Joseph, Ltd (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: BROWN AND JOSEPH LTD is a debt collection company that has continued to send me letters and call me on the phone regarding a collection from XXXX XXXX. This collection was included in my bankruptcy and has already been discharged in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Credit card protection / Debt protection

Complaint: Over the past 18 months we have been victimized by identity theft. We reported the crime to the XXXX County Sheriff 's Department, XXXX. Our credit cards, which we have had with Bank of America without incident, have bee used to fraudulently charge XXXX of dollars. While most institutions have worked with us to remove these charges from our account, BofA refuses to remove XXXX from the XXXX, XXXX statement. 
I am a XXXX year old retiree and my wife suffers from XXXX. My wife is the principle cardholder, and been unable to use a computer for the past 3 years. As the frauds were occurring, BofA never notified us, even though we had never made charges in these amounts in 30 years. In fact the charges were well above our established credit limits. 
Our daughter XXXX is also a signatory to our account. When questioned XXXX freely admitted that she had shared the passcode with her fiance, and only her fiance. BofA is claiming that this makes us responsible. All of us, including the fiance, will agree to submit to a polygraph anywhere and anytime. Texas state law limits our liabiity to {$50.00} for credit card, and {$500.00} for cash withdraw. 

During initial conversations with BofA my daughter and I determined which charges were fraud, they agreed that the charges look fraudulent and would remove. In 30 years I had never been late on a payment, and with the understanding that the charges would be removed, I paid the bill in its entirety. At this age I wanted to be sure my credit remained spotless. 
Our community is outraged over the egregious manner we have been treated. In fact, through a neighbor, the local XXXX affiliate has inquired about doing a human interest story on our plight. 
Again in XXXX we were again victimized on our new BofA card for {$51000.00}. Again they never made a single phone call to us, in spite of our historically low charges and the problem we had in XXXX. 
I am a friend of XXXX and am helping him with this report. My name is XXXX XXXX, and I have know this couple for over 30 years, and know them to be above reproach.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Other transaction problem

Complaint: I have been a customer with Coinbase for 4.5 years. On XX/XX/XXXX I requested that my account be locked until XX/XX/XXXX because my laptop was stolen from me and I was paranoid that my account would be accessed. On XX/XX/XXXX, I e-mailed support Coinbase to determine the steps needed to unlock my account. I have not received any further e-mails from them since. I have called, waited 1hr and 30mins on hold and was connected to a employee who said that my support ticket would be pushed to a specialized team to handle my issue. It has been 10 days since that support call and still no contact and still no access to my account. During my time locked out of my account the value of my account holdings has risen and fallen over {$20000.00}.

As a Coinbase customer for 4.5 years, with high value holdings I thought I would be treated better than a month wait time on what should be a simple request for my account to be unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Settlement process and costs

Complaint: I came to XXXX to see my options for getting my mortgage payment decreased. They recommended Quicken Loans. I submitted my info through XXXX XXXX for Quicken Loans. After a few phone calls of no QL ca n't help you and then 1 yes, QL can help, I decided to listen to my options. I was told if I refinance my mortgage my mortgage insurance would not be included, my rate would go up, but the monthly payment would decrease ( because of the MIP ). I was told this several times by this same associate. At closing he assured me within a 6month time frame the mortgage insurance premium would fall off and I would see even more drop in my monthly payment. A year later I 'm fighting with QL because of what I was told. They are not holding up to what I was told. The calls are being recorded for " quality and training purposes '', however when I wrote a formal letter to their corporate office, I was told none of the calls could be found. They told me what I signed for ( saying my FHA loan has to have MIP for 30 yrs or until I refinance ), and told me I could refinance to have the MIP removed. I advised QL this is exactly what I was told when I switched from my previous lender to quicken loans. I DO NOT recommend quicken loans, their employees get paid to say whatever they need, to meet some kinda quota. QL are not XXXX or XXXX XXXX so no gov't agencies will assist with complaints or anything. I now have a higher interest rate and pay the same amount I paid with past lender. I lost my job, needed help with smaller payment and QL is doing nothing. I have n't missed a payment, I just wish I could find another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Moved to XXXX due to not being able to find a XXXX job in XXXX as a XXXX in XX/XX/2015, income became much lower, wells fargo has not helped with lowering my payments. I am struggling to pay for my private loans as well as my federal loans and I feel it is unfair that I went to XXXX school and now suffering and working 50-60 hours a week to pay my monthly loans. The lowest they have gone is $ XXXX/ month but increased my interest with out taking into account my monthly rent, car payment, and federal loans. I feel like wells fargo is not working fairly with me to help me or advocate for 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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I sent a written debt validation letter certified to Hunter Warfield in regards to an outstanding balance from XXXX Properties. 

On XX/XX/XXXX I received a verification of debt letter dated XX/XX/XXXX from Hunter Warfield. On XX/XX/XXXX I contacted Hunter Warfield in regards to outstanding debt, and was notified that the account had been reported to the credit agencies on XX/XX/XXXX, during the 30 day Debt verification process. 

Account reported during Dispute period, which I believe may have violated my rights under the Fair Debt Collection Practices act and may constitute as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: I have banked with BMO Harris Bank for XXXX years. As a XXXX we get a lump of XXXX paychecks that are deposited in XXXX to cover our XXXX. I has addressed this with BMO and I was assured that I would not be charged the {$10.00} monthly fee for no direct deposit. They continued to ping my account, which caused it to go into the negative. I have recently married and due to merging accounts at my husbands bank I was keeping things at a bare minimum. I did however get student loan deposits into that account, so actually I did have direct deposits into the account. The banker at the XXXX XXXX, MO office assured me that it would all be taken care of, because between the XXXX months there was a total amount of overdraft fees and XXXX fees that totaled XXXX dollars. I was told they would fix it all and to not worry. Everyday that they were " working '' on it they pinged me with a XXXX fee. They total amount they took is now over XXXX and they closed my account. The lack of communication ( I was told I was busy,, do n't worry I 'll get to it tomorrow ) has now led to my account being upside down, when it should not have been and they have taken advantage of a situation that was their fault. I am a XXXX with XXXX sons who is in a XXXX at the beginning of the year. I expect my bank to be better organized and when I 'm told they will fix the problem they created I expect it to be fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with Credit Systems International, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today XX/XX/2018 I was looking at my credit report and this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems International INC., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Credit Systems International INC. illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment on my credit report that do not belong to me and I have disputed it directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for this judgment and it is causing grave injury to my credit report and score. The judgment is as follows : XXXX County Special - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Chase Mortgage intentionally with malice of forethought committed constructive acts to defraud their customers : Last month I noticed my FICO score had dropped 5 % and during a recent loan qualification process i found that all three credit reporting XXXX, XXXX, and XXXX had all dropped 5 %. I immediately requested the support. In XXXX I received a letter from Chase telling me that my account number was being changed, I immediately changed the bill pay profile to the new account number. In the interim Chase reported BOTH XXXX and XXXX to all three credit bureaus as NOT paid they LIED. XXXX years NOT on single late payment made NOT one late payment nor late payment assessment every payment made 24-72 hours BEFORE due as our XXXX and XXXX payments to Chase, BOTH of those payments were in full 48 HOURS prior to their due date. Why would Chase do this? Like I said CONSTRUCTIVE ACTS TO DEFRAUD! They intentionally misrepresent payment histories to drive customer Credit Ratings down. Why because they can then raise the interest on the loans that at tied to Credit Ratings they are XXXX XXXX crooks thieves they will steal anything they can steal lie, scheme connive paid off lobbist,,, Should be a class action lawsuit against Chase and every lobbyist they used to misrepresent /lie for them! My conversation with Chase Credit Management representative this AM the credit management representative told me the recently passed RESPA gives us legal authority to misrepresent customer payments history with Chase There should be a class action law suit to put these XXXX XXXX XXXX put them in prison where they belong!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loan is currently being serviced by Navient. I currently pay {$200.00} dollars per month. The customer service representative has tried to steer me to making payments in excess of {$500.00} per month. Further, I do not know the formula they use for repayment. They ask me to show proof of what my salary is, but they do not take in account cost of living in the XXXX part of the country which is some of the most expensive in the nation. 
Not to mention, the incessant phone calls to my home, place of business and family members!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CBE Group, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Approx in XXXX XXXX ; I moved to another state and the new occupants did not switch over the XXXX service as they said they would. 
This debt has been in collection since XXXX and the date just keeps getting updated. 
I did not use this electricity to acquire this debt ; thus is why I have not paid it. 
The CBE GROUP has false dates as when it was opened ( XXXX/XXXX/XXXX ). XXXX does not wait 3 years before turning unpaid utilities to collections. 
I want this debt considered closed. 
The most Inwould pay is {$100.00}, not a cent more.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Customer service / Customer relations

Complaint: I have been a long-term and high volume customer of AMEX. I have a number of secondary cards on my account. When I added the card before thie XXXX, I asked them to expedite the sending of the card, meaning use an overnight service, rather than regular mail. They acknowleged and said they would. But they did n't. It went out regular mail instead. This caused very serious issues and necessitated a change of plans since the card did not arrive in time. 

Last Friday I ordered another card and again asked for it to be expedited. However, because of the previous incident, I wanted to verify that it was, indeed, sent expedited. I called back on Monday and was told that there was some " temporary issue '' preventing them from seeing how it was actually sent, but the reviewed the notes and found that it the notes were clear that it was to be expedited. I called again last night ( Tuesday ) and was told the same thing, except that this time they opened a ticket to figure out why they could n't determine the status. 

I called back today and found that they *again* sent it regular mail and not expedited. But they also say that once they 've sent a card, they ca n't fix their error and send a new XXXX overnight. 

This is unacceptable. XXXX such mistake happens and I let it go. Making the same mistake twice in a row is unacceptable. Being completely unwilling to fix their mistake by sending a new card is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Settlement process and costs

Complaint: This complaint is being submitted by XXXX XXXX XXXX on behalf of the borrower. XXXX XXXX XXXX represents the borrower for the limited purpose of filing administrative complaints and assisting with loss mitigation. Ocwen is the current servicer of the borrower 's mortgage loan. This loan is not currently in foreclosure. The following violation has occurred with regards to the borrower 's mortgage loan:1. Ocwen 's failure to send periodic mortgage statements : The borrower has not been receiving mortgage statements since the borrower received his modification in XXXX of 2014. The borrower lives at the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: HELLO, PLEASE REMOVE ME FROM ALTERNATE FORMAT CREDIT REPORTS OR BRIALE CREDIT REPORTS AND DISPUTES.

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 03/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Troy Capital, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Troy Capital LLC has placed a non validated or verified account on my Credit Report. This account XXXX Pursuant to the FDCP XXXX XXXX, I tired to get a response and I was no response back for over 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2015 about Debt collection (Medical) with Medical Data Systems, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been recieving phone calls from this debt collector and i informed them i live on a fixed income, on social security XXXX, my only source of income and that i can not pay it. I informed them that proper documentation was sent to the hospital where i was seen. I was informed that i will be repeatetly called until i pay this debt, i told them its harrasement and i was laughed at and told too bad, i was also told the were going to take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation