milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to dispute negative credit reporting from XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to reach custodial parent mother to stop billing for child that was no longer in her care, but living with father ( me ). Mother failed to respond to repeated phone call and letters from both XXXX and myself. Consequently, the child support payments were reported as late or delinquent when NO PAYMENT should have been even billed. I made NUMEROUS requests to XXXX for updates, request to file/change court order, without success. Please note that before this rather unfortunate situation, my account was in good standing with all payments current and NO ARREARS OWED. This began in XXXX and continued up until Child turned XXXX yrs old in XXXX, and XXXX finally stopped billing. Please help.

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 08/14/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$1100.00} they have showing on my XXXX, XXXX and XXXX  credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Auto debt) with JPMORGAN CHASE & CO. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There was a vehicle purchased  via Chase wher e I was listed as a co signer. After a few years the last payment that was to be made on the vehicle was returned ) ( I received this information from the Rep AFTER it was reported on my credit files  ). I  never received a phone call or a letter regarding the issue and the debt was just put on my credit report without me being notified whatsoever. I contacted Chase to let them know that I was unaware of the situation because no one reached out to me about the issue. The lady gave me a  XXXX   XXXX  address that was on file, which was n't my address nor have I ever lived there. I want this deleted from my credit report due to unfair collection practices and depriving me of resolving the issue before it got reported.       Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX & Experian are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX  does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The XXXX XXXX XXXX XXXX has not reported this information. I have asked that this be removed from my XXXX & Experian files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from my credit files.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Williams & Fudge, Inc (TX).
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: Williams & Fudge is continuing to report an account to my report, even after requesting validation. They never sent me the proper validation but yet continues to report this debt to my report at all credit bureaus ( XXXX, XXXX, and XXXX  ) after contacting them in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: A tax lien was incorrectly placed upon me. I have disputed this many times with all three creditors and all have removed the lien with the exception of Equifax. I proved to the state of Ohio that I did not in fact owe the state any tax money. This has been on my credit report since 2012. The reference number for this lien is XXXX and was reported on XXXX XXXX, 2012. <P/>It has now been five years and this has been detrimental to my credit score. I did not owe any money to the state and I have proved to them that I did n't which is why it was released and I am respectfully asking for it to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (UT).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XX/XX/XXXX, 20 days from writing this, my account was locked. When I try to login the app gives me the following message “Your account has been locked, please visit coinbase.com to resolve.” So I contact support and they are prompt to initially respond but then they completely forget about me for 3 weeks. I deposited $XXXX USD into my account at the beginning of the month. I would like a refund. This long of a wait time on such a small issue is ridiculous.

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This creditor ( XXXX XXXX ) keeps changing the status on this account. They are reporting false and inaccurate information. When Equifax researched this account, it was updated for less than a week, and then went back to having multiple inaccuracies. The creditor blames and says it is Equifax 's fault for the inaccurate reporting and Equifax tells me to talk to the creditor. This is extremely frustrating at the very least. The account itself is a total contradiction with many inconsistencies. This account has never been late, has always been paid as agreed, ( even reflects in account info/payment history ) yet they are reporting a past due amount. This account has been paid and should reflect a paid balance, yet it is still reporting a balance. This account has long been closed yet still appears as open. None of this makes any sense, yet this account keeps reporting as such. It is in complete violation to report and verify false and inaccurate information. I have been denied recent credit because of these erroneous items that appears on my credit report. I have attached proof of this claim. I request that Equifax delete this account from my credit report. This account is completely inaccurate and does not reflect my credit history or my credit worthiness. No one should have to go through this. Please delete this account/tradeline from my credit report. I have attached previous disputes and complaints that were resolved through CFPB. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Good afternoon : Experian erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX

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 03-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage company paid another client 's mortgage insurance out of our escrow account in XX/XX/XXXX in the amount of {$5300.00}. We had not realized the error until XX/XX/XXXX when we were notified from XXXX that our insurance had not been paid. Our insurance payment is {$3800.00}. I contacted Nationstar and was informed that an error was made. Our insurance was then paid by them but the {$5300.00} was never replaced in our escrow as we are told it ca n't be until they receive money from the client that they paid the insurance. They are unable to contact the client and therefore say our money ca n't be replaced. I keep being assured after numerous phone calls it will be taken care of with no results. Yesterday an escrow analysis was posted to our account and states our monthly payment is going to be increased more than {$400.00} per month beginning XX/XX/XXXX ( due to their error ). 
They fully admit they made a mistake - we were told the other client 's name was vaguely similar and had an account with them - but does not pay insurance out of escrow - so they are sorry but they have to get money from them. 
I have spent hours on the phone since XX/XX/XXXX and keep being told they are investigating the error - but have not credited our escrow which now is in a negative balance. I feel our escrow money has been fraudulently compromised and needs to be replaced immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (KS).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our XXXX mortgage in XXXX. The remainder of our 20 % loan went to XXXX bank, then was sold to First Merit sometime in XXXX. We recieved monthly statements showing our payment amount, including an amount going to principal and interest. We continued on time payments until XXXX XXXX, at which time we sold our house. At that time, there was an issue at closing, when First Merit said we had an outstanding interest balance due of over {$7700.00}. Some time between XXXX and today, they stare applying only a small portion of our monthly payment to interest and the rest to principal, and then we 're tallying up the remaining interest as something we owed behind the scenes. This was never disclosed to us on any bills, and since we knew that some amount was going to interest every month and that we were paying the mortgage down faster than expected, we did n't question whether the amount the bill showed as our interest due was accurate. 

The result was that instead of getting back {$2500.00} that we expected at closing, they said we owed {$4500.00}. We moved out of state and we 're prepared to take some degree of a loss on our house in order to sell quickly ; however, we would have made some very different decisions had we any indication they were not honest in allocating the money we sent. 

We would like to know if we have any recourse. We do not feel we should be accountable to pay this amount. It was supposed to be a 30 year loan, and for at least the first year, the money was being applied to interest. What would have happened if we 'd reached the end of the loan term? We 're they planning to hit us with XXXX dollars in unpaid interest and repossess our home?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (AZ).
Issue: Settlement process and costs

Complaint: I have been attempting to refinance my mortgage with Everbank. I currently have my mortgage with them. My loan has been approved and we have been waiting on them to close. 

The issues are such ; 1 ) They lied to me pertaining to the amount of my closing credit. I have disclosures and an email from them with one number. Unfortunately, they are trying to push it through via another number. I believe that this is due to the fact that they have taken so incredibly long to close, rates have gone up, and they do not want to pay for another rate lock extension. 

2 ) They do not return calls. XXXX XXXX and XXXX XXXX do not return calls. They do not keep me updated within the process and they frankly do not care about me at all. The way they have treated is not only disrespectful but further it has jeopardized my ability to refinance due to # 1 and # 3 below. 

3 ) The continue to have inaccurate info. I have told XXXX on occasions that my property insurance is with XXXX. He has neglected to correct this in the documents and settlement paperwork. Why this matters is because they are wanting me to come in with money for closing due to insurance being underfunded. However, they are basing this upon coverage that doesnt exist. They are pulling data from the wrong home owners insurance company ( XXXX XXXX ) rather than mine which is XXXX. 

4 ) Most importantly, they do not answer the phone. They dont return calls. And if you do magically speak with someone, they do not return your call to let you know if the issue has been resolved and also if they need info from you to resolve the matter. 

These employees in the XXXX office should not be allowed to do anything within the financial services field. It is just too important of work. 

The bank is Everbank. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: The issue is with unwanted Credit Card Solicitations from Capital One. 

My name has been 'opted out ' of receiving Credit Card Solicitations with the credit bureaus for several years. 

I have repeatedly received Solicitations for a " XXXX XXXX '' credit card over the past several months. 

I checked to verify that I was still blocked from getting Credit Card Solicitations with the bureaus, and that block is still in place. 

I called Capital One to inform them that they are sending solicitations to people who have 'opted out ' of getting them. 

The clerk on the phone wanted to take all of my personal information before they would contact a manager to let them know that they were getting a complaint regarding solicitations being sent inappropriately. 
The point here is -- If I am getting them and should n't be, so are others. My specific information should not be needed, in order to report a Marketing process error to the manager for further investigation. 

Why would I voluntarily give them my personal information, thereby bypassing the need to check to see if it is acceptable to send me solicitations? If I give them my information voluntarily, that establishes a 'business relationship ' and they can send my any kind of junk. 

CAPITAL ONE : check your Marketing process! Where are you getting your solicitation list from??? And STOP DOING THAT!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Closing/Cancelling account

Complaint: I had a credit card account and checking account with Wells Fargo. The credit card account had a cashback program in which I had built a healthy balance. I never violated the cardmember agreement, yet Wells Fargo chose to close my credit card account. The cashback rewards balance disappeared along with it. This also resulted in damage to my credit score.

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 06-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (WI).
Issue: Account opening, closing, or management

Complaint: I recently applied for a home equity loan-my first time doing so. One of the reasons I was n't approved was that I had a charge off on my chase credit card account in 2005. According to the fair credit reporting act information over 7 years old is not to be reported unless is a bankruptcy, and then it 's 11 years. I contacted chase, and they refuse to take it off. The response I received was that they did n't want to affect the integrity of the reporting procedures. So a mistake I made XXXX will affect me the rest of my life? I have 10 years now of no negative marks on my credit, and this is still haunting me. I do n't know what else to do! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MN).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I have tried to close my XXXX XXXX account with XXXX XXXX multiple times. My first time closing the account was at the end of XX/XX/XXXX, and I have tired closing it two additional times this most recent time is last Wednesday XX/XX/XXXX. I have not made a purchase using this card in over a year. The XXXX store no longer exists When closing the account I call the company and they assure me that everything is taken care of. After getting the confirmation over the phone after each account closing conversation, I continue to receive paper billing from XXXX and notifications about due payments. This has repeated itself from XX/XX/XXXX-now. When I receive these notices I call XXXX and they clear the charges and ask for the account to be closed. Then the cycle begins again with me getting notices about account payments. Now, my credit score has been effected. XXXX XXXX has filed a late payment on my credit history and my score has dropped. Not only has this been a nightmare of something to deal with, but now my credit score has dropped. I would like this to be corrected, and I would like to know if I am able to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I purchased a home through a third party lender. The loan was purchased by Bank of America. Bank of America foreclosed on the property in XXXX XXXX, but continued to show late payments on the mortgage until XXXX of XXXX on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Chrysler Capital with collaboration with XXXX XXXX XXXX of XXXX XXXX and XXXX had processed auto-financing documents in a knowingly false manner. I am a service member of the United States XXXX XXXX and what they did was unethical, immoral, and illegal. I was presented my financial agreements in a false manner. Down payment information and trade in value were improperly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Non-federal student loan) with Bleier & Cox APC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation