milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 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: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by XXXX XXXX. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with Home Loan Center, Inc. (NJ).
Issue: Application, originator, mortgage broker

Complaint: I signed up with LendingTree.com as I wanted to learn more about mortgage rates and do some online comparison shopping. I did not realize that LendingTree would send my phone number and email to at least a dozen lenders. For the last 3 days I have been inundated with multiple phone calls and emails. Several vendors have been calling nonstop. At least one vendor checked my credit without my permission. LendingTree 's website does not appear to have any way to close my account and cancel the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with 21ST MORTGAGE CORP. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We filed an application for a loan modification in XXXX of 2016, but the application was too close to the sale date and was denied. We obtained a cancellation of the sale date because we filed for bankruptcy and immediately sent in a new application for a loan modification. We enlisted the assistance of the MHA who is trying to help us with a loan modification. The non profit organization accelerated the process and referred it to the escalation team, who tells us that they will not receive a response until the XXXX of this month. The bankruptcy was dismissed at the creditor 's meeting but that matter has been corrected and there is an emergency motion to reopen the bankruptcy scheduled for the XXXX of this month. The attorneys are seeking an order rescheduling the sale date, even though in the bankruptcy we also filed a Motion for Mortgage Modification Mediation program. That will be heard in the near future by the Court as well. I also corrected the errors listed by the Trustee. So, they are pushing for a sale date while a motion to set aside the foreclosure judgment is pending ; while we have the MHA office working on an escalated modification ; and we have the bankruptcy motion for mortgage modification mediation motion pending in the Bankruptcy Court. In other words, they are DUAL TRACKING.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was using XXXX services for a while. I recently moved overseas the past few months and have been renting at a location outside of the United States, though I still have mailing address in the United States. I use this information to fill out a tax form on XXXX with intention to use their service to file for taxes, however, due to inaccuracies information on XXXX tax, I decided best not to use their tax services to file my federal tax return this year, not that I am required to file my tax return since I am actually exempt according to the IRS. 

What happened next is very interesting, the foreign address which I use to fill out my tax return on XXXX which I did not file show up on my Transunion credit report on XXXX website, not only that, the information on that is incorrect as I am currently in XXXX, and the information show an address that is of neither XXXX or United States, I am trying to make a determination whether the incorrect information is from XXXX or Transunion furthermore, this is not the first time I have experienced incorrect information on my credit report on Transunion as well as XXXX site, combining with the fact XXXX estimation of my tax is incorrect, I have decided to no longer use XXXX services. I would like to know whether it is XXXX or Transunion that is inputting incorrect information on my credit report. 
This is not the first time Transunion has provided incorrect information on my credit report and I think there is something every wrong with this credit report agencies. Including manipulation of information, deliberating change information of customers. I believed this many incidents which include some I have reported in the past show potential extreme corruption in this organization.

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : transunion, XXXX and XXXX.
<P/>
I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report.
I get no response other than new credit reports sent in the mail.
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Requested Action.
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Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX  can get information for my ready reserve applications.
My XXXX XXXX  has applies five times and can not get credit information to approve my application for new reserve accounts.

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 02/20/2018 about Debt collection (Credit card debt) with CL HOLDINGS LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX has me in collections for an open balance of {$980.00}. which i never opened i actually have my phone line still open so i dont know why they have me in collections. 
same thing with capital one balance in collections of {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IN).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX @ XXXX XXXX PST I sent an email to coinbase support due to my missing wire transfer that was sent on XX/XX/XXXX by my bank. AS of this date XX/XX/XXXX my wire transfer has not made it to my coinbase account nor has it been returned. My bank and I have made numerous attempts to get the wire transfer returned and according to coinbase web site all " back logged XXXX '' issues have been resolved yet here I am still waiting for the return of my {$10000.00} wire transfer. After no help from Coinbase and reaching out to Coinbase bank XXXX XXXX   without success ... My bank sent an email compliant to compliance officer at XXXX XXXX on XXXX XXXX, XXXX and have heard nothing as of today. The outgoing wire info was sent to compliance officer to investigate. On XX/XX/XXXX I rec 'd an email from " XXXX '' from coinbase customer service sending " apologies '' for delay in response and if my issues with wire transfer had not been resolved to respond to the email and they would resolve it ASAP. I immediately responded and as of today no further response and my {$10000.00} wire remains in their hands not mine! I want my wire transfer returned immediately. They said in XXXX if the account name, acct number etc didn't match exactly all wires would be immediately rejected and returned. My husband sent the wire transfer to my coinbase account and the bank put his name instead of mine. This error should have immediately caused the wire to be returned according to both banks & coinbase web site ... but it was not nor was it put in my coin base account or my husbands coin base account. Coinbase takes 45-50 mins to answer the phone and when they finally answer the phone no one can help nor can they forward you to anyone that can help ... .they simply say you have to wait until you receive an email to your concern. I have attached many documents and have many more if needed to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Creditor called every 2 hours without leaving any information regarding the call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ( Professional Debt Mediation XXXX XXXX XXXX XXXX XXXX Florida XXXX ) amt {$1600.00} account number XXXX XXXX AND amt {$1200.00} account number XXXX XXXX 2016 BOTH OF THESE ACCOUNTS ARE INVALID I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in FL STATE.

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 07/19/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: on XX/XX/XXXX my husband XXXX XXXX received a phone call from XXXX XXXX ( XXXX or XXXX ) representing National Credit Systems Inc she called from an auto dialer with a XXXX area code. We rented an apartment XX/XX/XXXX through XX/XX/XXXX at XXXX XXXX XXXX in XXXX and gave them notice to vacate as we had a new home under construction that was finished in XXXX and our lease was scheduled to end XX/XX/XXXXXXXX we had a balance left over from XXXX rent and I tried to negotiate payments with the in house billing office for XXXX XXXX but they would not accept our terms. I wanted to make a {$50.00} a month payment because at that time that is all we could afford. Those collection efforts started in XXXX we could not reach a resolution so they forwarded our account to collections and we were not aware of this and the collection agency did not communicate with us in writing they called on XX/XX/XXXXdemanding us to make a payment and that if we did not pay full amount or high deposit to start payment arrangement that they would report the account to our credit. feeling pressured I offered to pay {$100.00} we I spoke to XXXX XXXX on XXXX XXXX and then told her would could possibly make another {$100.00} by XXXX XXXX. She said we needed to pay at least {$400.00} to get on a payment plan that would protect this account from reporting to our credit. I called again on XXXX XXXX to let XXXX XXXX know after reviewing our budget we could not afford to pay {$200.00} this month to this account and then she said that she could not protect this account from reporting to our credit and I told her well this is all we can afford right now as my husband was laid off in XXXX. I then went to the NCDOI website to get their license # and I found that National Credit systems incXXXX is not licensed to collect in the state of NC. which is illegal and now I need to go to my bank and have my checking account numbers because I am not paying this credit agency a dime. They are supposed to allow consumers 30 days to respond to their collection efforts and they were not even giving us the opportunity they went straight to threats of credit reporting. I believe her name is XXXX XXXX the collector in charge of my account so if you call speak to an operator who will direct you straight to her line. Unfortunately I am unable to find a physical address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a complaint about bank of America on this web site in XXXX. My issues were that I was unhappy because they had done a modification on our mortgage in 2009 when we were having trouble through the recession. Instead of offering us a harp modification they extended our mortgage to 40 years so that the payments we slightly lower than before but now we were n't paying hardly anything to the principal but most of our payment went to interest. After I posted on this site back in XXXX, BOA was in contact with me and offered me another 40 year extension!!! This company robs people! We have called our attorney to see what we can do against this company and are going to refinance with a different bank as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: Per an advertisement for an incentive of {$400.00} to open a new checking account in order to attract new customers, which is still going on on the Citi website, I applied for and was approved for a Citibank Account Package for account # XXXX. My initial deposit of {$15000.00} posted on XXXX XXXX, 2016. 

Per the terms for the incentive it stated that in order to qualify for the {$400.00} incentive I would need to open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days, which I complied with. 

On XXXX XXXX, 2016, with {$15000.00} still in my account untouched, I sent an a message through my online account to confirm that I met the qualifications for receive the {$400.00} incentive. On XXXX XXXX, 2016 I received an email fro XXXX XXXX, Director of Client Research, that I had indeed met the necessary requirements and to allow 90 days from the qualifying translation to receive the {$400.00} incentive. 

The terms do state that the new checking account in The Citibank Account Package must be open and in good standing at the time the cash bonus is credited to the checking account. By XXXX XXXX, 2016, the {$400.00} incentive should have been applied to my checking account which I fully intended to comply with the terms and to keep the checking account open until then, and even longer in hopes for a good relationship with Citi. However, when I logged into my account on XXXX XXXX, 2016 I noticed my balance was {$0.00} and that the account had been closed. 

I called the customer service line where they stated they could not see a reason for the closure but that a check for the {$15000.00} had been mailed to me and to call the new account customer line on Tuesday with any other questions. I received no notification or information on why the account was closed. I found it odd that shortly after receiving a letter that my account was investigated and that I qualified for the incentive, my account was closed days later. This has left a bad taste in my mouth about how Citi runs their business and has me questioning if I would want to have any relationships with them in the future.

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 monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with All State Credit Bureau, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: We paid this account XXXX weeks ago. It has cleared and posted to our bank and everything. The company XXXX instructed us to dispute the account once payment was cleared as paid and they would remove it from all reporting agencies. We did this on XXXX recorded lines ( ours and the companies XXXX. We have done so and the company responded that a balance is still owed and the account is still reporting. At this point we are not disputing anything we would just like it removed as promised since all funds have been cleared and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: as of XXXX XXXX, 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I was a Wells Fargo customer for over 25 years. I have always had direct deposit from my employer. On my last payday XXXX XXXX I had made a car payment of approx. {$370.00} and my Cell phone payment of {$240.00}. When I went to the bank to withdraw some money I was told that my account was being closed due to a business decision that was made by Wells Fargo and that any checks or debits would be returned by the bank. They never notified me of this either by email, phone call or a letter. 
Now I have a car payment that was rejected and a cell phone disconnection and my water utility bill was returned as well. Each of the XXXX vendors are charging me a returned check charge a late fee and a reconnection fee due to their bad business decision. After 25 years of banking with them. This is unfair to me the consumer and they need to be held accountable to make my returned payments whole and send a letter of explanation to all of XXXX vendors and compensate me for their bad decision.

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 02-06-2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: XX/XX/2013 my husband XXXX. A few months after his XXXX, I had an issue with my mortgage company because they started returning my checks to me that I sent in to make my mortgage payments. When I tried contacting the bank to find out what was wrong, they refused to speak to me because they said the mortgage was only in my husbands name. This was incorrect. When we refinanced, both myself and my husband were on the Deed and Mortgage, however, my husband was the only one on the Note. I had to go to surrogate court to get paperwork showing I was the testator of his estate and sent this along with his XXXX  certificate and a letter to Nationstar Mortgage ( n/k/a Mr. Cooper ). I had to resubmit this paperwork several times before someone at Nationstar finally spoke to me and let me know the problem was that my escrow account was short because the Town of XXXX had taken us off the star tax savings. I went to the Town and straightened out that problem, caught up with my payments and thought everything was okay. A few months later, Nationstar started returning my payments again and not speaking to me and forced me into foreclosure. I went to an attorney who tried to fix this problem. We went to court several times. I signed three different sets of modification loan closing settlement papers. During this process I was offered a loan modification which I agreed to ( even though they stated I owed about 20,000.00 MORE than what I actually owed at the time this all started ). I followed through with my obligations and made the payments on time. They would not accept the first closing package I signed because I crossed MY XXXX  HUSBAND 'S NAME OFF. How can a XXXX man sign? Then they started the same process over sending my payments back and forcing me in foreclosure. This is the situation I am in now FOR THE THIRD TIME! My attorney has given up and suggested I contact you. He can not get anywhere with this bank or their attorney. I NEED HELP AS SOON AS POSSIBLE! I have XXXX children and I am afraid of becoming homeless. I do not work because I am XXXX and we live on the XXXX benefits we receive from social security which barely covers the mortgage payment. I am desperate and need someone who can get this bank to do the right thing!!! I tried speaking with a mortgage counselor at XXXX here in XXXX and the same process as with my attorney happened there and they also gave up. Everyone just gives up. I don't know what to do!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with NORTHLAND GROUP INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Northland Group Inc. has contacted me by letter regarding a XXXX account that I have never owned.The amount of the debt is {$2100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing statement

Complaint: To whom it may concern : I have a XXXX XXXX Chase Visa card that was subject to XXXX fraudulent charges reflecting purchase of XXXX plane tickets originating in XXXX, XXXX. I live in XXXX, Maryland and have never traveled to XXXX in my life. The company closed the card when I notified them, and reissued me a new card. However, this week they charged me again for the XXXX flights. None of the fraud agents are able to explain the charges, and I have gone up the chain of commands and can not reach a supervisor in the fraud department of Chase. One agent said that the charge is a readjustment, but I 'm not sure why I would have to be responsible for paying anything for flight I did not take. I 'm in no way accepting liability for an unknown individual from XXXX using my card, and will not allow such a transaction to be reflected on my record.

Company response to consumer: Closed with explanation