milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I first asked the cred itor Jefferson Capital Systems to verify the  debt, they are collecting on behalf of  XXXX . I asked them to provide me with a billing statement to verify all charges from  XXXX , my account number from  XXXX  and the types of services I had. They failed to do this. I disputed this on my credit report as inaccurate info. The Credit Bureau responded and said that the information was accurate. I no longer disputed it and stated that it 's not under dispute anymore ; however, the collection agency sent me an actual copy on my credit report and I noticed that the information they have reported still is n't accurate and does n't make sense. They said the collection account was opened  XXXX . They are reporting that the date of first delinquency was  XXXX  which is incorrect because I still had services with  XXXX  in  XXXX  of   XXXX   and the account was active and open and not delinquent. They also reported that the date the first major delinquency was report was  XXXX , so if this is the case then how was the collection account opened before the first major delinquency was even reported. The dates are conflicting and it makes no sense and I requested the Credit Bureaus remove this inaccurate conflicting info but they still have refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Deposits and withdrawals

Complaint: Used a US bank ATM several years ago, system allegedly detected that I made XXXX cash deposit transaction, only made XXXX deposit. Next day fraud alert on the us bank account, stated that I owed them funds. Opened up an investigation, ATM was no longer available. Investigation was closed out. US bank system sent a letter two days later stating I was in XXXX. Went to US bank they advised me of the negative balance ( that very same day ) told me that no check system error came up on there system. I have the letter from a bank representative that states I do not owe any balance or funds to us bank. XXXX still shows that I owe financial institution us bank. I have been unable to open up accounts and other financial services because of this issue.

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 02-03-2016 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: County taxes were taken from escrow account with TheMoneySource by XXXX on XXXX/XXXX/2015 ( about {$4100.00} ). Refinance completed with XXXX XXXX/XXXX/2015, and taxes were instead paid by the title co ( XXXX ) on XXXX/XXXX/2015. County tax office confirms that any attempt by XXXX to pay after date would have been rejected and taxes were not paid twice. XXXX has refused to acknowledge that a refund is due, ignored numerous calls and even demand letter to locate these monies, and insists it will take months to figure out what has happened and effect the refund. Obviously we are into the third month already. XXXX 's helplessness and puzzlement is incredulous. With a few keystrokes they can most likely locate and immediately effect a refund.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Hello how are you doing? Fine I hope. Im sitting here soooo confused. Ive been trying to dispute some inaccuracies on my credit report but for some reason Ive been getting nowhere. I think my proof of my identity may be an issue. Im just lost because I feel like Ive exhausted all options to get this cleared up. Can you take a look at these accounts for me please? I would appreciate it. 

I see several medical accounts being handled by XXXX XXXX XXXX. Do you know that theyre operating under an inactive license? In the state of Louisiana this is illegal. Please remove these accounts. 

2. XXXX I have never done buisness with not have I been contacted by this company. 

3. XXXX XXXX Please furnish me with a medical release form Im sure Ive never given this company permission to access my medical records. 

4 XXXX XXXX XXXX This company is reporting inaccurate and misleading payment information. Please remove this account. 

5. XXXX XXXX This company has made a mistake. I was never late. 

6. XXXX XXXX XXXX This account is reporting several inaccuracies.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
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 sent four written request ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.

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 11/18/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX I never applied for loans directly Somehow they applied for some loans that I 'm not aware of Now I owe money that I do n't know about

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My complaint is with Trans-union, XXXX, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.

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 03-07-2017 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: This complaint is in regards to unauthorized fee for an appraisal that was ordered by my former home loan officer XXXX XXXX XXXX ( # XXXX ) at Prime Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. On XX/XX/2017, XXXX XXXX XXXX was notified that home loan services from Prime Lending were no longer needed due to his aggressive and unprofessional speech via telephone on XX/XX/XXXX. 
Surprisingly, on XX/XX/XXXX, I received a intimidating voicemail from stating " the appraisal went to the property on yesterday, the appraisal is done..you have until Monday to pay the appraisal fee ( {$550.00} ) ..I would hate to have this affect your credit and cause you problems with moving forward with a new loan ''. Since getting the appraisal supervisor and accounts receivable involved, I was sent a link by XXXX XXXX for a {$150.00} trip fee. My position is I did not authorize this appraisal, therefore I should not be charged any associated fees. Please look into this matter to assist me in resolving this issue. 
Regards, XXXX XXXX Former Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 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: Personal information incorrect

Complaint: There are  XXXX  address on my report that does not belong to me, I 've never lived at those addresses,  XXXX  is a store front property after my investigation.   XXXX  Someone reported this information to the credit bureaus this month and it was NOT me.   XXXX  This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Medical debt) with Rash Curtis and Associates (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I already blocked their number, but keep calling and do n't leave a message. They call 3 to 4 times a day everyday. I dealt with the same debt collecting agency before and they 're rude and inconsiderate thats why i do n't answer their calls anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I rehabilitated my default student loans account and set up a monthly payment plan. I was told to start payments immediately because I was told that after 9 months of successful payments the account would be in " good standings '' on my credit report. In XX/XX/XXXX, I reran my credit to find that no payment information was ever recorded or reported to the credit bureaus. I called the U.S. Department of Education to find out why and they said I needed to fill out a rehab form and they would backtrack everything and it would be in " Good Standings '' once they processed the signed document I returned via mail. On XX/XX/XXXX I noticed no change, so I contacted them again. I spoke to XXXX ( XXXX ), she was very rude and explained that because I never filled out the form initially, which I never received, back in XX/XX/XXXX that it would be another 30-45 days from the day they received the form on XX/XX/XXXX before it would be placed in " Good Standings '' on my credit report. Ive already been reassigned to XXXX and told not to continue payments to the US Department of Education. This whole process has just been exhausting, Especially when I never received the form initially and when i brought up their mistake I was talked down upon and forced to wait even longer for this to come off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: complaint about COINBASE my name XXXX XXXX XXXX address XXXX XXXX - XXXX XXXX XXXX - XXXX account in bitcoin XXXXXXXXXXXX on XXXX of XXXX i deposited XXXX eur to COINBASE deposit account as a deposit to start trading and buying and selling bitcoin. On the XXXX i got an email saying the deposit arrived from a XXXX account. which is correct, i have a private account in XXXX, but apparently payments from there are n't accepted. 

they also said in the same email the funds would because of this reason be reversed to my account within 1-2 business days. 

now on the XXXX of XXXX, still no payment in my account back. 

after 15 days still nothing in my account when they supposedly reversed my payment. 
please can you check i need this money in my account back asap. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Hello, I am a XXXX year old single mother of XXXX. I am writing this complaint as I have no where else to turn. I had a checking account with BBVA Compass in XXXX, Fl in 2009. The account became over drawn, which was an over sight on my part. The account was closed. I have been fighting with this for years and BBVA Compass have not been helpful. They never informed me that I was reported to a company called XXXX XXXX Services. The overdraft on my account was simply an over sight. It was no way intended to cause fraud. I went into XXXX of the local BBVA Compass branches and spoke with a branch manager and I was given a print out of when the account was opened and when it closed. Keep in mind, this account was paid to a zero balance. The overdraft amount was {$7.00} according to my print out. I paid BBVA compass for the overdraft and any associated fees a few years ago. The word " Fraud '' has been hanging over my head every since and again there was no way this account was associated with fraud. I am not a criminal and I have no criminal record nor do I have fraud on my back ground. I am a law abiding working citizen that made a minor mistake and its costing me dearly. Please have Compass review there records and remove this label from my name. This account was not associated with nor intended to be used in any type of fraud activity. If BBVA Compass truly believe this account was intended for fraud, please prove it. I dont owe them anything. And if BBVA Compass does not want my business, I understand but please dont make it hard for me to move on to another financial institution. This is so unfortunate and these kind of practises are intended to hold back the already middle class to poor. Life is a struggle as it is and with paying additional fees to cash my payroll check or pay for pre-paid cards is really hard on me. If you can pull records from BBVA Compass, they allowed me to re-open an account only to close it a few days later and didnt give me an explanation. Never told me they reported me to a place called early warning services for the very very old account back in 2009. I have suffered enough. Again, please review your records as the account was not intended to be used for any mis-leading purposes. I have attached the printout that was given to me and a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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 am sending this complaint to all three Credit Bureaus ( XXXX, XXXX, and Transunion ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XX/XX/XXXX ( XX/XX/XXXX ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XX/XX/XXXX complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.

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 11-06-2016 about Credit card () with PNC Bank N.A. (IL).
Issue: Other

Complaint: I sent PNC Bank a debt validation letter on XX/XX/2016 to see about the debt that 's reporting to all XXXX credit bureaus. Company responds via letter dated XX/XX/2016 through the mailing stating that everything that they 're reporting to the credit bureaus are accurate, however received another letter XXXX days later dated XX/XX/2016 stating that they were unable to send validation due to not having enough information from me. I 'm going to include the correspondence that between the lender and myself. In the request for validation letter I submitted everything to them.

Company response to consumer: Closed
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Bonneville Billing and Collections (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I wrote XXXX about this dispute, but got no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My husband and I consolidated our student loans after we got married to reduce our payment size and interest rate. Now, he qualifies for a Public Servant XXXX. The XXXX applies toward all his loans except the spousal consideration loan. Most of his loans were included in the spousal consolidation. When he asked them to forgive his portion of the loans, they said federal regulations prohibit undoing the spousal consolidation loan. We would have never agreed to the consolidation if we knew it would exclude us from government programs. Why ca n't we restructure the loan? This has been a road block for many people.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My house was put on the market last year as a short sale when my ( now ) ex husband went to jail. The house was upside down and I could not pay for it alone with XXXX kids. I quickly got an offer in XXXX or XXXX XXXX. Bank of america short sale dept closed the short sale multiple times and made us start all over each time without notice due to " inadequate documentation ''. Each time we proved they had the documents already, but it was too late, we still had to start all over. This went on and on until spring of this year XXXX. They finally accepted the offer, but still could not close in a timely manner and my buyer backed out eventually which then put me on the foreclosure list. I had about two weeks to come up with money to keep from being foreclosed so I signed a deal to modify the loan and borrow the money to stop foreclosure. This gave my realtor time to find another buyer. She did. Now I have had this buyer since spring. His offer is even better than the first buyer. My initial close date quoted was XXXX XXXX and that has now been postponed. They still have not made a decision about accepting the offer or not. BOA had actually accepted the previous buyer 's offer which was less. I have moved out of the house. I am no longer able to pay for it. Bank of america is impossible to communicate with. I am getting nowhere with this and if this buyer gets impatient with them it will foreclose. I know foreclosure benefits no one. I do not understand what the ongoing delays are. I am almost at a year of nonsensical delays. We have been moved from one customer relationship mgr to another, all of which do not communicate well. If the home forecloses it just forecloses, I am not interested in retaining the property, but it seems ridiculous when I have a buyer that can complete a short sale.

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