milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (ND).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. 
After I did all of that it is then when she disclosed what the call was about.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Using a debit or ATM card

Complaint: Capital One lied to me about being able to receive a letter from them, I had asked for a letter back in XXXX but I kept getting misinformation from them. I was told they were unable to send me anything due to legal requirements. I was able to get what I asked on XXXX XXXX via fedex which they claim they ca n't do. I faxed over documents to them on XXXX/XXXX/16 because due to their misinformation, I had a bank line of credit defaulted which means this will go on my credit report. They required a letter on Capital One 's letterhead which I notified them of. I am entitled back fees due to misinformation and lies of {$1000.00}, this will pay off my line of credit and plus any late fees that I had due to this. I have called numerous times on and I have not received a response from the company on this. Capital One could have sent me what I needed months ago but kept giving me brush off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: After recently starting to seriously work to clean up my credit report I began with the worst item, a bankruptcy on my report. I wrote three letters to XXXX requesting that they verify a bankruptcy on my credit report for the purpose of deleting said bankruptcy. Each time I was told the information they had, had been verified. I 'm certain they used the XXXX verification, probably by XXXX XXXX. I also know for a fact that Superior Court does not share information with third parties. And I also know that with the millions of credit reports they monitor no one from the credit reporting bureau physically drives to the courthouse to collect information about a bankruptcy in order to verify it. So XXXX has sent me my credit report first and two letters afterwards where they stated the bankruptcy was verified and no change was made.
After 1st letter 1st response by XXXX XXXX XXXX, 2017 was to send me copy of credit report ; said I asked for it but I did n't.
2nd letter to XXXX response bankruptcy verified after investigation ; XXXX XXXX, 2017 3rd letter to XXXX  response XXXX XXXX, 2017 ; again verified the bankruptcy after investigation and still no change made to my credit report. I know I can file a small claims suit against XXXX but I can not afford to do this. XXXX does not have the legal right to retain this bankruptcy much less report it. Is there a way for you to intervene on my behalf so I can get this bankruptcy deleted once and for all? I would appreciate any and all support you can give me in order to make this right, Thank you.

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 08-02-2015 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: Mortgage broker XXXX XXXX neglected to inform loan applicants I a timely manner about closing cost and process. Loan broker informed loan recipients the night before closing about the how to pay closing cost the night before closing. The accepted form of payment required a wire transfer that required a in person signature at the loan receipents bank in XXXX XXXX XXXX, XXXX. Funds were verified XXXX weeks prior to closing therefore loan broker understood credit union not in XXXX where closing was scheduled to happen. Due to loan brokers incompentence and negligence, we were not able to close or receive any keys to the house. We signed the agreements but never received the paperwork or received any disclosures. We were told we have to have the money wired from that bank funds were verified in and we anticipated moving into our home Friday. Therefore all our belongings and cars and family of XXXX adults, XXXX XXXX and XXXX small kids ages XXXX, and XXXX were left stranded with no regard for our welfare. The loan broker never called back to give other options such as transferring funds to another bank, verifying funds there and then wiring the funds that morning. He expected that for us to travel back to XXXX to sign a document that could 've been completed before our travel to XXXX if the broker would have taken the adequate amount of time to inform his clients properly to be prepared for closing and to have a smooth transition into our new home. Now we have been stranded for over XXXX days and three nights, paying for lodging, food, gas and travel due to the negligence of this broker. This practice of business should not go unrecognized and I 'm sure he has done this to other consumers before. I am seeking monetary compensation for expenses incurred and pain/suffering. My kids have been crying and worried because we are stranded and homeless. This is business practice that is unacceptable and should be sanctioned. I believe he does not deserve commission because he did not complete his services and failed to notify us about closing process in a timely fashion because all of this could have been avoided. I emailed this broker and allies numerous of times in regards of this matter and he finally contacts me the night before about the closing process and the day of about the closing cost.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: I have been disputing this item since I became aware of it. There are numerous complaints I have made. 

This is regarding an apartment I sublet in XXXX Oregon from the XXXX XXXX  XXXX XXXX. I rented the apartment for two months. I paid a security deposit. I notified XXXX that my job had ended @ XX/XX/2014. XXXX informed me that it was ok. Rental demand for apartments in XXXX is high and they were able to rent the apartment. When I asked for the invoice to substantiate the claim I did not paid I was given the attached invoice which is for a period of time I was not resident. I have submitted copies of my bank statement which shows two withdrawals for {$700.00} each paid on XX/XX/XXXX, and XX/XX/2014. I have asked XXXX XXXX to research the money orders which typically I used to pay rent. I have sent the bank statement to XXXX XXXX who claims that the withdrawals do not prove that I paid. It doesn't prove that I did not. 

This dispute has been ongoing and frustrating that it is not corrected. No matter what I supply XXXX and XXXX XXXX still claim I didn't pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS sold our property at auction on XXXX/XXXX/2016 despite sending us a letter which arrived XXXX/XXXX/2016 requesting " additional documentation you would like us to consider while evaluating this account for an alternative to foreclosure ''. We believe this is a detrimental reliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX told me on the phone that this loan was 'satisfied '. So, it should not be on my credit report. I disputed it with Equifax and they refused to remove it. It needs to be removed. XXXX sold it to another company and it is showing as a 'charge off ' with the charge off amount of ' {$0.00} '. Makes no sense. This is false information and it needs to be removed by Equifax. I can not buy a loan because of this information on my credit report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 have been the victim of id theft. I have sent all three credit reporting agencies a copy of the police report and the ftc id theft report that was notarized. i have disputed a total of three items that were not mine with the agencies ( XXXX, XXXX XXXX and XXXX XXXX XXXX ). XXXX and XXXX have investigated and deleted all three from each report as they found it to be fraud. equifax continues to fraudulently list these as verified by my name and social ( again ... i was the victim of id theft ) and continue to blatantly commit deformation of character as they say they are accurate. how can this agency find this to be accurate while both their peers have deleted these from my reports?

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sent XXXX different notified letters all 30 days apart requesting verification that I was the owner of this account. I asked this company to provide me with a signature showing this was mine only to get a copy of the BIL and no verification signature. After XXXX attempts, XXXX different letters, more than 90 days between the XXXX to reply and verify NOTHING. No proof whatsoever that this was/is my account so I asked them to remove only to not get a response back.

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 06/30/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A debt shows on my report as a recent debt of mine and it is not. XXXX XXXX, XXXX is the collection agency for XXXX XXXX XXXX, KS in the amount of {$6500.00}. 
I have never lived in an apartment in the state of Kansas or ever applied to XXXX either. My previous addresses are all houses, XXXX XXXX XXXX, XXXX, KS ; XXXX XXXX XXXX, XXXX, KS : and currently at XXXX XXXX XXXX, XXXX, KS. Neither have I co-signed for an apartment for any XXXX at any time. 
Please remove this entry from my report as it is not mine. 
I have a son whose name is XXXX XXXX XXXX who has lived in the XXXX area at XXXX time. Many institutions have confused us even though my first name is not XXXX it is simply XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, USA XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! 
XXXX 
Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Identity Theft Report Proof of identity Notice to Furnishers of Information

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Student loan (Non-federal student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I recently came out of bankruptcy and began making payments on my loan for almost a full year. The loan company, Aspire, keeps adjusting my variable interest rate upwards. I have called and spoken with them about my monthly payments and keeping it affordable, as well as paying them off as soon as I can. I have begun paying my loans a little earlier to help with paying it off sooner. However, my interest rate has steadily increase and make it difficult to lower my principal. I am the mother of a child with a XXXX, and I can not afford for the company to keep raising my interest rate and making it impossible to pay it off. I have never missed any payments nor paid late. My other private loans have remained stable in interest rate, and the company has not given me any satisfactory reason as to why they specifically have continued to raised my interest rate. Furthermore, it seems to me that they are attempting to gouge me. The last time I spoke with them XX/XX/XXXX, I changed my payments so that I would be paying off the loans sooner and they attempted to offer me ways to add more interest to my loans and making it seems like a good deal. I have also asked about refinancing options, but these are more expensive. I hope that this can be resolved by lowering my interest rate and keeping it stable. The most recent raise was to 3.73 %. When I started repayment, my loans were at 3.26 % just 12 months ago. Please help me get this resolved to keep my rate stable.

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 07-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold Checking Account in XXXX XXXX with a promotional code offering XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XX/XX/XXXX, as confirmed via email with a Citi representative, and was advised miles would post by XXXX/XXXX/XXXX. I also provided my XXXX account number to Citi via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. When the miles had not posted a few days after the XXXX XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that although I had been advised that I had the promotion on the account, that I was not eligible for the promotion. What 's most odd is that someone made this determination and decided that I was not eligible prior to the XXXX/XXXX/XXXX posting date, but chose not to tell me and instead allowed me to continue to incur monthly fees which are charged on the XXXX of each month. I have paid at least {$60.00} in total monthly service fees to Citibank since they made this determination and have appealed their response multiple times. Although the customer service reps have acknowledged the prior confirmations that I had the promotion and met the terms, they 've told me that they can not assist. They did agree to open an investigation on XXXX/XXXX/XXXX and gave me an expected turnaround goal of 7 business days, but it has now been 18 business days ( 28 total ) and I still have not heard back. They have again charged a monthly service fee to me on XXXX/XXXX/XXXX, which seems to be their end game with this promotion.

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 01/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I wired {$5000.00} to coinbase, inc on XXXX XXXX, 2017. I did not include the account reference code in the wire. 

I contacted Coinbase customer support and they promised a wire reversal. Weeks have passed. Repeated attempts to contact coinbase again regarding issue was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was laid off from my job and then found a new one. Paid all my debt off but it still shows the debt as being there. 

Even though I have paid all my debts I can not get a car loan. Seems absurd that someone that has always done well has a drawback and can never recover because of this system. If this system is what is going to be used to determine my future then it should be correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (MA).
Issue: Unexpected or other fees

Complaint: Re : Complaint id XXXX I purchased a XXXX Prepaid Card in the amount of {$200.00} on XX/XX/2018 I registered the aforementioned prepaid card in my name on XX/XX/2018 by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and XXXX. My XXXX report  from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3 months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to XXXX. The account has never once shown up on my XXXX report. It has never reported to XXXX for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to Experian as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.

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 01/19/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Every time I try to add a new app to my bank account it blocks me saying td bank in blocking you from opening any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES :     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation