milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I spoke on the phone to XXXX XXXX XXXX on XX/XX/17  whom I have my mortgage with, I was told that they could lower my interest rate, and I told them there were a lot of companies telling me the same thing. I agreed that they could pull my credit, but never saw them on my credit report, but did see XXXX/ Credco on all three of my credit files. I did not authorize XXXX/Credco to pull my credit, when I contacted them they told me that they were a third party and they had a software that other companies used. XXXX did not mention anything about this,. XXXX should have informed me that they were using another company, if this is what they did, but XXXX nor Credco/XXXX have anything in writing from me given them authorization to pull my credit. XXXX /Credco refuse to remove this inquiry.

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 08-08-2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA).
Issue: Taking out the loan or lease

Complaint: traded my car in on XXXX XXXX, XXXX to XXXX XXXX XXXX, In exchange for a XXXX XXXX XXXX. Have paid for the monthly car note for the month of XXXX. Dealer at XXXX XXXX did not send the check to XXXX XXXX until XXXX XXXX, XXXX. Now XXXX XXXX is saying that I owe for the month of XXXX. I had signed documents to release ownership of traded in car to XXXX XXXX on the XXXX of XXXX. Also signed documents to release ownership and registration of car to XXXX on the XXXX of XXXX. Release trade in car to XXXX XXXX on XXXX XXXX, XXXX. This was completed before the month of may when the next payment was due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a   XXXX    XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX  ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX  , 2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX  , 2017      XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the XXXX account does not have any delinquencies, and must not report on my credit report, i have already spoke to XXXX and XXXX, they removed this inaccuracy with the letter that creditor provided but experian has not removed this yet, please have this remove and help me to remove from experian. 
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 non-monetary relief
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX has been accusing me of owing this bill for quite some time, I have tried to explain on several occasions that this bill is not mine, that I did not, have not purchased any mobile devices from them at this amount of money. I have consistently DENIED ever having or purchased Anything from them at those cost. I had filed a Identify theft report as to items o my credit report that were not my debt and those were resolve, but that darn at & t are still insisting that I owe this debt. they use to call Every day until I changed the number, I would get bill, the reps. would say to me do n't you want to have good credit, or they would say, what if you decide to buy a house or a car you wont cause your credit will be poor, and some would say you cant just make debt and not pay. but the one rep that told me to prove that I did n't owe the debt was Very disrespectful, and mean for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Bank of America is guilty of unfair banking practices. This dates back to XX/XX/2012. In XX/XX/2012, I reached out to Bank of America for assistance with my ARM mortgage. I requested a refinance, however I received a short sale package at my door, this was not authorized or requested. My mortgage account is and has always been current. I did not qualify for hardship assistance as I was not having a hardship. However, in the very very difficult process of stopping the short sale process and making it clear I requested a refinance, I was told to just wait as I was included in a Department of Justice Settlement and would receive something in the mail. I was told this repeatedly as months would pass and I would call to check on the status. Over time I witnessed a few handfuls of BOA EMPLOYEES received these " DOJ Packages '' that I was told I would also receive. To date I have received NOTHING. In the mean time, I started reaching out to BOA for a refinance, every year. I have been told over and over, you are just under water we don't have options. I am the unfortunate homeowner that does not have a government loan and the home is still under water. I need help! I have an adjustable rate mortgage-the rate is going up, along with property taxes. I need the piece of mind that the payment will not increase any further and BOA just isn't offering me any options. I guess if I stopped paying which would ruin my credit, they would offer me help? I have questioned BOA as to why I never received this " settlement '' that they said I would, I asked to provide the notes regarding the DOJ conversations with me, I asked for documents from a previous complaint in which the DOJ Settlement was referred to and they will not produce anything. I have submitted my concerns through the XXXX and to BOA directly and receive NO response from them at all. I want answers and help coming up with a solution. Bank of America can help since they own my loan

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  this company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information 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 non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with ARS National Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from  ARS National Services ,   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , ( P )  XXXX , ( F )  XXXX  regarding a debt that they state I owe. I sent a letter requesting information verifying the debt, including proof of the debt, the date of the last payment and when the debt became delinquent, copy of the last billing statement and if they are licensed to conduct business in the  State of Illinois and provide the name, date, license number of the state agency issuing the license. I received   what appears to b e a Excel spread shee t with what appears to be information that is not in a billing invoice format containing any information requested to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 my checking account with Peoples Bank was compromised with an unauthorized " ach '' withdrawal from XXXX XXXX. As I do not have an account with XXXX I immediately called the call center as soon as I discovered this mistake on XX/XX/2017. A case # XXXX was opened and I was sent an e-mail with the required affidavit form attached and was told I could fill it out and e-mail back. I could not open the attachment and called back immediately and was told it could not be sent in any other format so it would be mailed. Instead of waiting for it to arrive by mail I went to the XXXX XXXX branch a few days later where two branch employees spent almost thirty minutes trying to help me. They could not open the attachment either or obtain the form any other way. I left there with no choice but to wait for it to arrive by mail. When it did not come after waiting nine days ( from XXXX to XXXX! ), I went to a different branch at the XXXX in XXXX because I was in that area and once again the teller tried very hard to help me to no avail frustrating both of us. All she was able to find out from the call center was that I did have a case open and " the form is in transit by mail ''. Today is fifteen days from the first call to Peoples and I still have not received the affidavit form required to correct this costly mistake. The debit was {$280.00} plus {$37.00} overdraft fee which totals {$320.00}. I only receive {$XXXX} direct deposit on the XXXX of the month from a pension. I have not had access to the {$320.00} which I desperately need. Peoples Bank has delayed rectifying this problem that should not have even occurred in the first place because I did not authorize this withdrawal. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, XXXX has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. XXXX refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.

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 05/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have asked and begged Equifax to remove accounts no longer legal able to be on my credit file because they have not verified the information. Like XXXX XXXX did and So did XXXX I am for the Final time before I file a lawsuit asking them to remove 1.Student Loans XXXX that ca n't verified my XXXX and XXXX nor XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I file a lawsuitagainst themthey have 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Medical debt) with APEX Asset Management, LLC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX/XXXX/2017 I check my credit report to see that Apex Assest Management listed a collection on my credit report without making aware of the debit in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Trouble during payment process

Complaint: In  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  conducted an unlawful foreclosure of the homeowner 's property. In a subsequent eviction action homeowner challenged the foreclosure and the parties agreed to rescind the foreclosure and give homeowner a loan modification allowing homeowner to remain in the home with an affordable mortgage. The servicing of the loan was transferred t o Ocwen Loan Servicing, LLC  and the Modification Agreement was signed by the borrower on  XXXX   XXXX ,  XXXX .  Borrower has made all required payments under the Modification Agreement.   However, in  XXXX   XXXX   Ocwen  returned her  XXXX  payment because the check inadvertently did not have a specific date but just said  XXXX   XXXX . Borrower sent a new check for the  XXXX  payment but since then there have been continued problems with Ocwen accepting payments. In  XXXX   XXXX  borrower sent a bank check -  Ocwen  claimed it was never received but borrower 's bank says the check was deposited. The remaining checks from  XXXX   XXXX  on have not been accepted by Ocwen and have been returned to the borrower. Through counsel borrower contacted the attorney for Ocwen who handled the recession of the foreclosure. Borrower sought to pay the money owed but there appears to be a difference in the amounts the borrower an d Ocwen believe are owed. Counsel for Ocwen now says they are no longer handling the case. In addition Ocwen is claimin g borrower is in default and have begun the foreclosure process. Borrower is more than willing to pay the amounts she owes for the months of  XXXX  through  XXXX  and wants  Ocwen to immediately stop all foreclosure proceeding. Borrower does not believe she should be charged for late fees and property inspection fees as these were incurred because of Ocwen 's failure to accept timely paym ents.

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 06/23/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing a complaint against Wells Fargo Home Mortgage. When I was XXXX laid off in XX/XX/2013, I informed then of what was occurring. I applied for what I was told were loan modifications XXXX. At the time, I was making attempts to still maintain my mortgage and household with unemployment and substitute XXXX pay. Unfortunately, I was not able to do so and was not able to maintain the "loan modifications". I went through several loan preservation officers and even at XXXX point had to resend all my paperwork, as a result of the same person no longer being as Wells Fargo. I was not approved for another of what I thought was a loan modification and attempted to get assistance through a local foreclosure assistance agency in XXXX North Carolina. Upon not getting approved for that, I returned back to Wells Fargo for assistance and again, the representatives that I was working with changed while I was within the process. I then began working with XXXX I received no calls from Wells Fargo. I reached out to them at the end of XX/XX/XXXX of this year, when I received a letter stating that my house was being sold in auction on XX/XX/XXXX. That is when I reached out to them and shared that I was attempting to work with another agency. The representative that I spoke with initially shared with me that I would need to provide proof of funds to stop the foreclosure until I shared with her that I was working with an agency. I was not informed by the agency or Wells Fargo that I was to take the letter to my local Clerk of Court. The only information that I received from Wells Fargo was that I was to send them the letter and to follow up with them regarding what would happen next. I made attempts to follow up with them prior to the XX/XX/XXXX, yet they were closed and there was no one that could assist me. When I finally spoke to someone after the XX/XX/XXXX and asked to speak to a supervisor, the supervisor on call would not speak to me and in turn shared with the representative that I was speaking with, that I should had called back sooner and despite what the other representative had told me, that I still needed proof of funds because working with a foreclosure agency was not guaranteed approval and that had I followed up, I would had known that the letter was not approved and that the house was indeed sold at auction on the third. I attempted to make a complaint with them then, but instead they transferred me to someone in Senior Management to see if I could get a reversal of the foreclosure and attempt a loan modification. Despite those efforts, it was denied, as the representative XXXX shared that my account was researched and Wells Fargo was not at fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: Chase charged {$5000.00} in unneeded overdrafts things like charges going through twice can you demand that Chase open a new account with the XXXX in the account?

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other service problem

Complaint: Good day, My situation stands as such. I invest heavily in cryptocurrencies through an exchange called XXXX, owned by a U.S. based company called Coinbase, located in XXXX XXXX California. In early XX/XX/XXXX, Coinbase froze my investment account with all of my funds still in it. They did not offer a reason nor contact me in any way regarding this issue. When I attempted to log into my account I was told to contact Coinbase customer support. I immediately did so and was told that my account was frozen " pending review from a specialist ''. 

It has now been over 30 days since my account has been locked. I am unable to trade, I have no way of knowing if my funds are, in fact, still in my account and despite having called and emailed Coinbase on several occasion I have been given no time frame and still no reason why my account was frozen to begin with. Their answers have been incredibly generic and always basically repeats the same message, that a specialist is reviewing my account and I will be contacted when they have completed their review. 

My goal in filing this complaint is twofold. First, I'm looking to have Coinbase give me back my account ( which I will promptly close, transferring my funds to a safer exchange ), and second I would like to know if what they did was legal. Is it legal for a trading platform to hold a person 's capital for over 30 days without giving any clear reason as to why? 

thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: My parents took out XXXX life insurance policies many years ago. I did not have any info on these policies. I was contacted by XXXX XXXX, the company the policies were with. They told me that I needed the bank to complete a Release of Collateral Assignment form on each policy so I could take possession of them. The bank that had originally had the collateral assignment was no longer existing. I did a XXXX search to find what bank currently owned the assets of the original bank. Wells Fargo is the current holder of these assets. I have tried repeatedly to get the local branch to complete the forms and they will not. They will not put me in contact with anyone higher up in the company except one man who has done nothing to help. They say that they have no way of contacting their corporate office. They say they can not ask anyone at the regional office other than to put me in contact with the one man who has done nothing. They say that since the branch is a retail branch, they have no authority to help me. I offered to show them my documentation proving Wells Fargo bought the bank that had these accounts, but they did not want to see. They would only look back 7 years on their computers and say they could n't find the accounts. When I told them the accounts would have been bought a lot longer ago, they claimed that they had no records of assets further back than 7 years. ( As they are a bank, I did challenge them on this, to no avail. ) I need to have these accounts and in order to do that, Wells Fargo must complete and sign the Release. of Collateral Assignment on each of these XXXX policies. 
The policies are all from XXXX XXXX and the policy numbers are:XXXX XXXX XXXX XXXX XXXX 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