milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information putting my family and me, and millions of others at mental, physical, and financial risk. I am extremely disappointed with how Equifax has handled reporting this breach. Little if any effort appears to have been made by Equifax to notify the public. It has been nearly a month since the breach and Equifax made no effort to contact me by email, letter, phone, TV, or radio. I found out about this alarming situation first from XXXX. 
Going forward Equifax should be required to monitor every account at no cost to the victims, and to notify victims free of charge and immediately if any fraud occurs. Credit fraud protection should be mandatory and free for every account. 
This should be made right by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd and a waste of local funds and resources when Equifax clearly has records of all those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
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: I disputed this a number of times, directly with the debt collector and XXXX. I can not get even a basic statement of my account prior to the sale to XXXX XXXX XXXX from the original lender, nevermind any of the other things requested. 

The dispute is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, via XXXX XXXX, and XXXX. The latest dispute with XXXX was dispute XXXX opened via XXXX XXXX on XXXX XXXX and disputed again on the XXXX of XXXX. The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that XXXX is attempting to recover is not correct. I specifically requested proof of the transactions from XXXX  including the amounts that constitute this debt and the interest that was charged. No proof was provided by XXXX ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that XXXX asserts these transactions occurred, and when any payments were made. No proof was provided by XXXX. 
c ) I specifically requested proof of ownership of the debt from XXXX and that they were the final holder of this debt. No proof was provided by XXXX. 
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by XXXX. 
e ) XXXX themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I am the executor of my late mother 's estate, XXXX XXXX XXXX. I am in the process of distributing the assets in her account to her heirs, me and my brother. The attorney handling her estate advised that a " distribution in kind '' be done to prevent incurring any tax liability. 
I contacted their investor services twice to determine what the proper process and procedure is to affect this change. On both occasions I was advised that I had to use a Wells Fargo advisor in order to do this. None of the other mutual funds that she has require me to do this. 
I feel that this is Wells Fargo 's way of generating more income by imposing fees just for filling out paper work.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2018, I pulled my credit and noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a mortgage with XXXX XXXX XXXX that was included in a bankruptcy XX/XX/XXXX. The mortgage was then sold to XXXX, then clearsprings sold it to XXXX. I am currently paying and in good status with XXXX. In XXXX of this year XX/XX/XXXX I got a hit on my credit report that XXXX had made a change on my old mortgage even though I had not had them on my mortgage for over two years. I filed a complaint XXXX with equifax. XXXX stated there was no issue and closed the case. I then started the process with XXXX Bank to refinance the property. During this process they received notice and letter from XXXX that the mortgage had a foreclosure listed. They notified me XX/XX/XXXX and was shocked, since I have never had a foreclosure and this mortgage was protected by bankruptcy. I immediately called XXXX equifax the same day and entered complaints. XXXX could never find an issue and neither did XXXX or XXXX Bank. Equifax also said there was no issue. Even thought the false foreclosure is not listed anywhere on my credit report it was a code listed by equifax. My bankXXXX, and equifax all had a conference call and it was obviously the Equifax had it coded wrong and the code showed the foreclosure. Even during this call a Equifax refused to change the code. Therefore I need help getting Equifax to code correctly and remove the code that is showing foreclosure. Please help. I have attachments but my iPad will not attach. Will send if someone sends me email I can send too. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries were not authorized by me I contacted the credit agencies but the items were not removed.
XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MT).
Issue: Loan modification,collection,foreclosure

Complaint: My Husband and I have been attempting to clear up errors by Wells Fargo since we did a refinance in XXXX. Beyond that we have been applying for loan modification/loss mitigation with Wells Fargo since that time. Most recently Well Fargo denied our loan modification with a letter claiming our income was only {$10.00} ( an obvious error and mistake ). We appealed their decision and have not been contacted by an investigator named XXXX XXXX XXXX ( Wells Fargo Underwriting ). She was investigating and promised a response by XXXX/XXXX/XXXX but did not call until XXXX/XXXX/XXXX only to say that she/Wells Fargo needed more time. We believe there is substantial misconduct in dealing with us and the writings sent to us in contrast to what is told to us via telephone.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.

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 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Recently, Transunion removed XXXX credit inquiries from my account causing my credit score to increase. Shortly afterwards, they added the inquiries back, causing my score to decrease lower than it was initially. I need these credit inquiries removed completely due to their error and damage to my 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 01/29/2016 about Mortgage (Conventional fixed mortgage) with AMERICASH (CA).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX, XXXX, I applied for home refinancing online with Americash. The loan officer said that if my loan is approved, it would take no longer than 45 days to close the escrow. I submitted all the paperwork they requested and I paid {$39.00} to send the documents by XXXX overnight on XXXX/XXXX/XXXX. The loan was approved a week later and more documents were requested which I promptly provided. I was approved for {$510000.00} to pay off my XXXX mortgage, my second mortgage, and my student loan payable in 30 years at 4.25 % interest. On XXXX XXXX, XXXX, the loan officer said that my debt to income ratio was too high and that I would need to have a co-signer for the loan. My daughter agreed to be a co-signer. The loan officer also modified my loan to pay off {$6000.00} that I owe on my credit card from the previous month. The new loan came up to {$520000.00} payable in 30 years at 4.375 % interest. More documents were requested and were provided promptly on the following business days. On XXXX XXXX, XXXX, the loan officer called me up and said that my loan refinancing is being put on the back burner because there were many loans that have priorities that need to close before the end of the year. Finally, on XXXX XXXX, XXXX, I got the final approval from the loan processor and she said that the earliest we could close the escrow was XXXX XXXX, XXXX I made an appointment with the notary public to come to my house after work on XXXX XXXX. The papers were signed, sealed, and delivered. The loan was scheduled to be funded on XXXX/XXXX/XXXX. The loan processor requested my latest XXXX pages bank statements and I sent the statements to both the loan officer and the loan processor. I even provided a copy of a canceled check and deposit that they requested. That was ten days ago but the loan has not been funded yet.

Company public response: Company disputes the facts presented in the complaint
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 EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's lax security caused my information to be stolen and leaked publicly, including my personal PII like SSN, DOB, Name and Address. Now I am a target for fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I frequently email, call and respond to them trying to get an income based repayment plan but they have been no help to me at all. They put me in forebearance for 2 months and attached it to my credit report. Not to mention i left that college 2 months after enrollment and cancelled out my loan but they said they could n't help me being the school signed off as me being there. I never saw any pell grants on top of that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I 'm a single mother of XXXX. Me and my kids were victims of Hurricane Harvey. We lost everything I contacted BMW Financial to let them know we had been displaced. They offered to push 2 loan payments to the back if my loan. I had to contact them numerous times to send the extension contract for me to sign. XXXX XXXX, 2017 I called in and requested 1 more extension. My company closed permanently because of the damages from XXXX and I just started a new job. The rep I spoke with said it was approved and I did n't have to worry about a payment untill next month. 

They deceived me and reported to my credit that I was late and put my vehicle into repossession status. I was promised a service from this company that I never received. When I call customer service they all give me different answers. I ca n't get a straight answer from anyone. They all have a bad attitude and have been very rude to me. I will never do business with them again and would not recommend any one too do business with them either.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
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: XXXX XXXX has failed to have my account reinserted in the credit bureaus after deleting this by error. It's been months now and I have gotten nowhere. They have basically been creating me a lot of hardship because my credit score is fair due to their error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For about 5 years at the least I have been receiving letters of demand from Pioneer credit recovery.First I almost got kicked out of my previous apartment because of this and something about bad checks written in Texas.My landlord & myself both faxed over my license with my social security number.To this day I am still receiving letters with case numbers.Once again. This has went on for YEARS..I have financial problems myself and this is very over whelming. I worked with children for 7 years so to have a XXXX case hanging over my head definitely left a bad taste in my ex bosses mouth

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 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: While checking my credit score Experian is showing a lein on my home by XXXX. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Credit reporting company Equifax exposed XXXX XXXX Americans ' information in a data breach. I called their customer service line but was told to simply submit a fraud detection alert for the next 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Spoke to a rep at Capital one auto finance on XXXX/XXXX/XXXX named XXXX regarding them showing XXXX late payments on my account. I explained that my husband was XXXX XXXX military and he requested this loan be put on allotment. His finance department said it went through and he XXXX to XXXX. Well the allotment did n't go through so I called in to make other arrangements while waiting on the allotment to start. I have been fighting this since XXXX and would greatly appreciate if the late payments can be removed due to him trying to set this up before XXXX our country.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Money was not available when promised

Complaint: I Sold my bitcoin on XX/XX/XXXX and I still have not received my money. ( {$370.00} ). The website stated my sale was completed. So I sent several emails to support through their website no response. I finally found their number and I called on XX/XX/XXXX and they gave me a case number and told me it may take 3 to 5 days for someone to contact me. Today, XX/XX/XXXX I still don't have my money. I called customer service again since I did not receive a call back from my call last week. The customer representative said she could see that my ticket is still in the queue but she gave me another case number.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was contacted from a no caller I.D, left a voicemail that I need to call ( XXXX ) XXXX in regards to case # XXXX and that I have been warned. When I XXXX the phone number there was multiple reports that it was a scam. When I called they wouldnt tell me who they were calling on behalf of or what I owed on my so-called debt. The gentleman that I talking to wouldnt tell me his name and said I should be ashamed of myself for not paying my debt and that I should be familiar with this process since Ive been summoned to court for not paying my debt. Then he hung up on me. When I called back I said yes, I was rudely hung up on and he immediately went off on me saying that I was rude then told me what my social security number is and that he had my credit report pulled up in front of him without me saying who I was and verifying who he was speaking to before giving out sensitive information. Then he told me that I was going to be arrested and he is going to issue a warrant for my arrest and that they will find me at work tomorrow.

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 08/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2016, I went to Citibank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) to inquire about banking opportunities. I was encouraged to open a Citigold account. Within the bank over the telephone, I opened a Citigold account after learning about an amazing promotional code ( XXXX ). Prior to finalizing the account details, we reviewed the promotional code requirements. I was assured that within 3 months of meeting the requirements, the miles would automatically post to my account. The promotional code and my AAdvantage account were then linked to my citigold account to make it easier to transfer the miles. 

My account was funded with {$1500.00} on XXXX/XXXX/16. I met the promotional code requirements within two moths of opening my account. I spent {$1000.00} in debit card purchases on XXXX/XXXX/16. I had two consecutive automatic bill payments to XXXX XXXX on ( XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 ). In XXXX, I called Citigold ( XXXX ). I was informed I had met all of the promotional code requirements. On XXXX/XXXX/2016, I called Citibank again. I was told the XXXX miles would be deposited into my account within 90 days of meeting the program requirements. On XXXX/XXXX/16, I was informed " Unfortunately, there was not an XXXX XXXX promotional offer in conjunction with the opening of your account. While Citi does offer XXXX mile promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I was shocked. I immediately appealed the decision to the Citigold representative. On XXXX/XXXX/16, I received the exact same letter without any additional information. 

I do not understand why my account does not quality for the promotional offer XXXX, which was offered to me from within Citibank. On XXXX/XXXX/16, I was informed for the first time that this promotional code was not targeted to me. This does not make sense. From account inception until XXXX/XXXX/16, there were multiple telephone calls with Citigold confirming that my account had met the promotional code requirements with the miles to be credited to my account in the near future. As I had no reason to suspect there would be an issue, I do not have a log or transcription of any of these telephone calls. However, I suspect there are multiple internal notes linked to my account within the Account Services department. 
I see no other recourse than to file this complaint with Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief