milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I applied for a loan and was told my credit was too low, I had just checked my credit score and it was XXXX. Upon checking my score through my Experian credit tracker I discovered my FICO score had dropped XXXX points in one day. I spoke with Experian who reviewed my report and could not find any reason for my score to drop so dramatically ; they referred me to FICO who would not speak to me. FICO claimed I did n't have an account with them and they could n't help me. I was told to call Experian back. Experian claims they get the scores from FICO. I would like to know why FICO dropped my score XXXX points in one day and there has not been any major changes in my report. I pay all my bills on time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My lender is stating that my home has been foreclosed on but they are in the process of buying it back and they are also stating that it is in the process of being foreclosed on again. They will not discuss any modification options with me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using the website XXXX. They could not verify my identity, so XXXX requested I fill out a paper request and send in the US mail along with documents proving I was who I said I was ( copy of XXXX, Driver 's License, pay stub ). All three credit agencies ( XXXX, XXXX, and Transunion ) separately asked AGAIN for the same identifying info to be sent in. XXXX finally gave me my credit report after satisfying identity verification. With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day. With TransUnion, once I received my reports through the US mail, I was able to dispute online that same address. But now, with XXXX, they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of three items that they required to prove my identity, one of which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent XXXX extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitive documents three times is ridiculous. How can the three credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was stolen during a 2 month security breach affecting Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Medical debt) with Avadyne Health Holdings, Inc (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: H & R Accounts Inc. is a collection agency who has had a collection account on all 3 of my credit bureaus since XX/XX/XXXX and at least on 4 occasions has changed the amounts owed. They have also stated on the credit bureaus that I made one payment of {$26.00} on XX/XX/XXXX. I have never made a payment to H & R Accounts Inc. I was able to obtain from Original Provider ( Clinic ) a list of payments I 've made since XX/XX/XXXX when the debt allegedly commenced. Not only was there not any payment made in the amount of {$26.00} or anything {$26.00} and since I 've been on XXXX there have been no payments for anything sinceXX/XX/XXXX. I disputed this erroneous information with all 3 credit bureaus twice and everytime H & R Accounts Inc. verified as there information as accurate. I sent them a request for validation XX/XX/XXXX which they received XX/XX/XXXX and  confirmed by H & R 's representative XXXX on XX/XX/XXXX via 3 way phone call with XXXX to get method of verification. On that phone call XXXX stated the information was accurate and when I told him I have never made a payment to H & R and I wanted to know the method of payment he said he did n't know how it was paid and started to become irritated. I asked him about the balances and how they changed as it did n't correlate with what I had received from the original provider ( clinic ) and he hung up the phone. There are a few other smaller issues with the collection account but these were the main reasons of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: I wrote a check ( # XXXX ) for {$330.00} to Ask XXXX XXXX, XXXX, on XXXX XXXX, 2015 from my checking account with XXXX XXXX XXXX, which is based in Massachusetts. There was a delay in cashing the check and it was returned due to insufficient funds on XXXX XXXX, 2015. On XXXX XXXX, 2015, the check was redeposited and a returned check fee of {$50.00} was debited from my checking account. This was done by a collection agency associated with Citizens Bank. In addition to this fee, my bank charged me a return check fee of {$15.00} and Citizens Bank charged Ask XXXX XXXX {$20.00} as a returned check fee. That is a total of {$85.00} I paid for XXXX check returned due to insufficient funds. The check cleared when it was redeposited by the collection agency on XXXX/XXXX/2015 and the person I wrote the check to did not receive the funds into his bank account at Citizens Bank for more that XXXX days. He tried speaking with customer service at Citizens Bank yesterday, XXXX/XXXX/2015 and received no satisfaction. He reported that he was closing that bank account due to his frustrations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Hi, I was a telephone subscriber through XXXX XXXX with the account number ( Account : XXXX ). On XX/XX/XXXX, I cancelled my account ( single phone only with one number ) with XXXX XXXX after ensuring that all balances were fully paid and that any remaining equipment as per the terms of my existing lease was returned. I ported my number to XXXX XXXX and have used that service to this day.
In XX/XX/XXXX, I received a letter from XXXX XXXX letting me know that I owe them {$240.00}. Upon contacting customer service I was informed someone reactivated my account on XXXX XXXX and obtained a phone.I did not authorize this and had no knowledge of this action as I had already ported onto another service and no longer even had a XXXX XXXX online account to even confirm these findings. To stop any further transactions as a result of financial identity theft I immediately asked for the account to be re-closed and asked XXXX XXXX to start a fraud investigation. Upon their request, I also filed a report with XXXX Police documenting the theft of my financial identity ( REPORT NUMBER : XXXX ) XXXX XXXX then claimed that they believe someone who was previously on my account before its closing may be responsible and demanded that I produce a police report naming them to let this fraud be not deemed my responsibility. I contacted XXXX police and they informed me that since for me to file a specific complaint such as demanded by XXXX XXXX, I would need to know where the fraud happened and when. Despite numerous calls to XXXX XXXX to resolve this matter they have refused to give me this information and then subsequently passed the account which has ballooned to over {$800.00} now onto a collections agency called Receivables Performance Management.
I contacted them too to give them the information in XX/XX/XXXX I have detailed above, but was recently surprised to see that they have reported negative information to two different credit bureaus - XXXX and XXXX at this time and a loss of XXXX points on my XXXX XXXX. I am opening disputes with both of them to address this issue.
I am requesting that this debt be cleared from my name as I have not authorized it in any fashion and have been a victim of financial identity theft. I am happy to work with XXXX XXXX or the collection agency to file additional reports if needed but request a path to ensuring my financial record is not damaged due to no fault of mine. 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 06/28/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Credit decision / Underwriting

Complaint: Champion Mortgage Keep sending me Fraudulent Claim, what is not, on my Mortgage Note. Champion Mortgage Chooses to apply a Advance Payment to the Mortgage Note in which I never requested no is it allowed under the term of the Mortgage Note. 
They send me a DEFAULT DUE to non-payment of TAXES and INSURANCE in which I always Paid from since I obtain the LOAN Champion Mortgage has the Home Owner Insurance Policy the carrier and the Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion failed to conduct an accurate investigation of my complaint. My credit report still list XXXX XXXX as an open collection account. There are a XXXX of things that are in correct here. This is NOT the first time I 'm disputing this woth Transunion. Generally I get a generic response that they investigated. Yet I get no details as to how it was done and who they spoke to. 

1. XXXX is trying to collect on a XXXX account that have been paid off. 
2. XXXX is a collection company. The status of the XXXX account should not be " open ''. An " open account '' that is in collection is a different from an account that has been sold to XXXX as a collection. 
Please see attachment for a visual as to how it 's currently shown on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants Inc. ( DCI ) is reporting a debt to the Credit Agencies, and has never contacted me. I do not know them, or have I ever done business with them. I recently pulled my credit report, and DCI was reporting on to all XXXX agencies since XXXX 2016. I have never received a letter or notice from DCI, I never gave my prior consent, and was never given the option to dispute. 
On XXXX XXXX, I sent DCI a letter, see attached, in the absence of prior consent, or content from a court, they are to cease and desist until consent if obtained or provided. I to date, have not received any communication from DCI. Without being given the option to dispute, this entry has been in my credit profile for four months. 
Lastly, I am a victim of Identity Theft. I have no idea where DCI obtained my information, and again I would have clarified this situation, but was denied the opportunity to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Wrong amount charged or received

Complaint: I have been buying bitcoin and ethereum on XXXX XXXX for a few months now and this is the first issue iv had, and yet its a big one. Coinbase charged me twice for most if not all my transactions. Onc3 on the day i purchesed them, and then they charged me the same amount for all my purchases again on XXXX. XXXX, 2018. I have included my online bank statements. The ones with the red mark next to them are the second charge and the ones with the blue are the original charge on the day i purchased. I also provided my coinbase purchase history where i outlined all my transactions in purple. I have tried to contact support mant times and can not seem to get ahold or get through via email or phone. My Case number with coinbase is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: After receiving a promotional code for opening a First Tennessee checking account, I opened an account with the code online on XX/XX/XXXX. The promotion code was XXXX and it stated that I would receive a {$200.00} bonus after " ... an opening deposit of at least {$100.00}, and at least one direct deposit must post to your account within 60 days of account opening. '' I opened the account with an initial {$300.00} deposit, and I had 2 direct deposits of {$500.00} each from my employer post within the given time frame on XX/XX/XXXX and XX/XX/XXXX. I am in a state targeted by this promotional code ( GA ), and I have never opened or attempted to open any account with First Tennessee before. Even though I met all of the requirements, I did not receive the advertised bonus. I sent a secure message on XX/XX/XXXX to First Tennessee in order to inquire as to why I had not received the bonus. I received a reply on XX/XX/XXXX that incorrectly stated that the offer I applied for " was not a valid offer for your area ''. The terms clearly state that the offer is valid for the following states : AR, GA, MS , NC, TN, or VA. I reside and opened the account in GA, so I in the targeted region.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed a fraudulent account with identity theft police report I filed with local police department in which it states that I am a victim of identity theft and a fraudulent account was opened under my name from XXXX / XXXX which is a online web store. This account was disputed with Equifax on XXXX/XXXX/2016 and was removed from my credit on XXXX/XXXX/2016. Upon checking my credit again today ( on XXXX/XXXX/2016 ) it shows in my Equifax credit report again which means the fraudulent account is reinserted back in to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This has happened MULTIPLE times. 

I entered the income driven repayment plan, only to find months later that I 'm in danger of defaulting. The program stopped without any warning. To re-enroll, I 'm forced to take a forbearance and have all of the interest capitalized. I 've also had many issues where if I 'm calling about my federal loans, they only have knowledge of my private loans and vice versa. Just yesterday XX/XX/XXXX I received an email from them saying that my payments were going up from {$110.00} to {$300.00} When I called to verify, they had no idea what I was talking about. 

On XX/XX/XXXX I was given a forbearance on my private loans after talking to them. I asked if I had any more outstanding loans that were in jeopardy at all, whether it be federal or private and they said no. But on XX/XX/XXXX, I was given a delinquency notice about my federal loans.On XX/XX/XXXX, I was approved again, but on XX/XX/XXXX, I was sent another delinquency letter. This has gone on for years. Like I said, when I call them, they do n't ever speak on all of my loans. I feel like I 'm caught in a trap that I ca n't escape.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: On XXXX XXXX, 2017 these two accounts were deleted from my credit reports after a dispute I filed on both the accounts. Now both accounts have been added back to my reports without the bureaus giving me the proper notifications that they would be added back which is a violation of FRCA SECTION 611.

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 02-02-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I work at the National Credit Union Administration and Wells Fargo manages NCUA employees ' retirement accounts. On atleast 4 calls ividuals, I attempted with XXXX WF employees I insisted I want to get an online account ONLY for my retirement acct. I also have a checking account with with Wells Fargo that I insisted be paper only. Instead, Wells Fargo employees deliberately steered me to secure an online presence for ALL my accounts and wanted to then give me investment advice. 
I have since changed back my checking account to mail only.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After checking my credit report from all three credit bureaus ; XXXX XXXX, XXXX and XXXX, I noticed a negative remark on my credit report from Chase Card. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another Chase credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different Chase credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. Chase 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or Chase? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? Chase? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked Chase is.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Delinquent account

Complaint: I have a credit with capital one and they reported a credit card payment of 30 days in XXXX of 2017 but they charged a late fee in XXXX which was refunded back to me because it was an error but they will not remove the 30 day late payment in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (AK).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My wife took out 4 certificates of deposit with washington mutual. the 1st one was inXXXX acct # XXXX the 2nd was XX/XX/XXXX # XXXX the 3rd was XX/XX/XXXX # XXXX and the 4th was XX/XX/XXXX # XXXX. In XXXX Washington Mutual failed and their assets and records went to JP Morgan Chase. We are not sure if we closed these accounts ( wife does not recall ) or because they went dormant they were lost in the transistion between WAMU and Chase. I contacted Chase to see if I could find out what happenened to these accounts but they tell me they can not help me because those acct. numbers are not theirs. I have done many searches to see if these funds ended up in Washington State Revenue but found nothing. I also went to FDIC and found nothing but in talking to the FDIC they informed me that Chase should still have records of our accounts and should be able to help us find out what happened to these funds. Please help to resolve this issue. Thanks.

Company response to consumer: Closed with explanation