milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with NE PROCESSING LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX called from NE Processing and said they were filing a case against me. Never said she was calling from a debt collector per FDCPA. She also called my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a letter from IC System back in XXXX XXXX, 2015 stating that I have a balance due from XXXX XXXX XXXX. I was shocked and researched the issue with XXXX XXXX XXXX immediately. XXXX XXXX XXXX confirmed with me on the phone and in writing that I did not owe them any balance and the communication from IC System is incorrect. Then, I contacted IC System to explain the situation to them on XXXX XXXX, 2015 and the representative ( XXXX ) advised me to mail them a dispute letter. Then, I did mail IC System two dispute letters. After I sent the dispute letter, I follow-up with IC System three times on the phone on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2015. IC System advised me that the status is pending the response from XXXX XXXX, but they will not report my file to the credit bureaus as they still need to do a investigation. However, I just realized they reported my file to the credit bureaus few days ago without clarified my account with XXXX XXXX XXXX. I called IC System today, XXXX XXXX, 2015 and seeking for help. Their response to me is I am sorry they can not do anything about it, I can dispute that from the credit bureaus if I want to. I believe the whole process make me very frustrated and helpless because of the mistake of a billing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over 1 year and 7 months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Closing/Cancelling account

Complaint: I have been banking with Chase for almost ten years. I always use their checking account as my primary account. I never pay the bill late and keep a great credit score. However, about 4 years ago, all my credit card accounts with Chase got cancelled without any reason. In the past four year, my credit application with Chase always got rejected. I really want to fix the relationship with credit card department with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: we have tried for a home modification for almost 6 years. we kept getting the run around. they gave us a court date the judge said we had to be out in two months. we found a place to rent. a week before the forclosure. the bank said try again for a modification. then they said we ca n't help you. you left the house. we did what the judge said. we checked on the house everyday. just another run around. the reason we asked for the modification my husband got sick and had to go on XXXX. we could not make the high payments anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion continues to report 1 inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately or i will be forced to take Transunion to small claims court for unspecified damages because they are inaccurately reporting on my credit report.

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 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. ().
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I opened a Checking account ( # XXXX ) at JP Morgan Chase and got a Credit Card ( # XXXX XXXX XXXX XXXX ) in XXXX XXXX. Just after a few days these were terminated without any motivation. 
I was not, so far, able to find any explanation in the termination letter, at the local branch ( they told me that there were plenty of other banks and I should not have any problem to get a credit card from another institution ) or on the phone. I wrote a letter to the Chase President but  did not get an answer. 
As, if I did something wrong, I obviously need to know why, I would like Chase to let me know the reason of the termination.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon reviewing my credit, it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple times from the same company just a few months apart. I 'm unaware of these injuries. On   XXXX   XXXX   XXXX   I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to Equifax, which was delivered at   XXXX   pm on   XXXX   XXXX   XXXX     in  XXXX , GA  XXXX  asking them to investigate. On   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX    , Equifax sent me  XXXX  letters back stating " that the injuries are accurate and that I needed to contact the creditors. ' ' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't true. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MD).
Issue: Taking out the loan or lease

Complaint: Purchased a XXXX XXXX bed on XXXX/XXXX/15. Purchase price was {$6900.00}. As part of the transaction, I agreed to 36 months of interest free financing with Synchrony Financial. Because of sales for the product XXXX, XXXX XXXX agreed to reduce the balance to {$5800.00}. Got my first statement for the Synchrony account today and the balance due is {$8800.00}, way more than I agreed to pay when I purchased the bed 30 days ago. I 've reached out to Synchrony and XXXX XXXX with little success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2017 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: Investigation took more than 30 days

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company,   XXXX   XXXX  , and  XXXX  financial and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more tha n one occasio n, and neither  XXXX    XXXX   or this bureau has done anything to address the creditors disregard for the federal laws.     I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had  XXXX   XXXX  account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.

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 11/25/2017 about Debt collection (I do not know) with COLLTECH INC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company contacted me and provided no information about the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. ().
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: group stalking used for illegal collection in a foreign country using XXXX party EM Harassment included Please see files for details

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the 4 late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation-XXXX- ACCT #

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo representatives will call at least three to four times in one day if my payment is late. The calls will continue everyday until the account is current.Each time this has happened I ask that they stop calling or at least leave a message with the purpose of the call, but they do not. I would expect this kind of harassment from an unpaid debt, but not if I am a few days late making a payment.

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 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/15 I requested validation ; received no response. On XXXX/XXXX/15 I requested validation again ; this time received response. However, IQ Data provided a print screen from their data base ; not an accounting of my payment history. For example, I have no clue what " termination fees '' or " expense bad debt '' charges entail ; " non-refundable cleaning fees '' -what did they have to clean? ; " Fees Late Payment '' - from what month? There is no way to determine where my security deposit was applied. Furthermore they are showing my XXXX XXXX daughters as roommates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Unauthorized transactions/trans. issues

Complaint: I went to use my card at the ATM for a {$80.00} cash transaction the ATM printed a receipt saying an error occurred and that  XXXX  dollars was dispensed. My American serve account was still charged the {$80.00} plus ATM fees of {$5.00}. After calling customer service  XXXX  times to let them know what happen they still are refusing to refund the money to my card even though they can see that the transaction did n't go threw. The reason I have been given is that it takes  XXXX  to investigate and up to  XXXX   XXXX  to refund my money. I do n't understand why they have the right to hold my money when on their end they can see the ATM did n't give me the  XXXX . This is basicly theft for them to take money that I never reiceve and then refuse to refund it even though they know that the ATM did n't process the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX i spoke to someone 3 different times & i was told prior to the XX/XX/XXXX call they certain inquires would be removed & i called back today to see why they were still there & someone told me that they were never disputed like i was told it 's hard for me to get credit because of theses & i did n't appreciate getting lied to -equifax

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with Credit Management Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: A debt with XXXX XXXX from 2013 was discharged in Bankruptcy case XXXX.
A new debt collector ( Credit Management ) has reopened and re-added the account to my credit report and is trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (GA).
Issue: Managing the loan or lease

Complaint: I had a loan with Westlake Financial and was advised that my last loan payment in would be in XX/XX/XXXX. I was informed that I would need to pay only late fee charges and returned check fee charge to receive my title. The rep that I spoke with never gave me a date when this amount would need to be paid as it was not goin against my loan balance. For several months the company did not report this as a charge off, nor send any correspondence or make calls demanding payment I made a payment on XX/XX/XXXX in the amount of XXXX. This paid the remainder balance to get my title in full. On XX/XX/XXXX I received a credit notification stating that Westlake Financial reported my account as a charge off with a balance of XXXX. This was reported after my account was paid in full. Not sure how this is possible when it was never reported prior to making my payment. Therefore I am launching a formal complaint and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Rewards

Complaint: We have been a member of Citi diamond preferred card for 11 years. We have over XXXX points on their reward system. We cashed in our rewards on another card today with similar points and it go applied to straight gift cards. Their system ONLY allows on ALL gifts to get a discount of XXXX % or XXXX % and you have to pay the difference for that gift card. So if it is a {$100.00} gift card it will cost me $ XXXX-XXXX out of my pocket and will only get the use XXXX or XXXX of my points. That is a scam! Statistically I dont have enough money to ever get these points back that is a total scam and I want to have just a couple normal gift cards or money tom reduce my bill. No other credit card is doing this and again there is no way to get back what I am owed. 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 monetary relief
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NH).
Issue: Other service problem

Complaint: On XX/XX/XXXX, I attempted to log into my Coinbase.com account. Because I had not used it in a long time, I no longer had the two-factor authentication app to complete the login. I utilized their identity verification service on both XX/XX/XXXX and XX/XX/XXXX to attempt to regain access to my account. In both cases, I was notified that verification had completed successfully, but the two-factor authentication prompt was not removed as it was supposed to be.

On XX/XX/XXXX, I contacted Coinbase support via e-mail to resolve this issue. They told me to go through the ID verification process a third time. I did so as soon as the service was working properly ( XX/XX/XXXX ) and never received a response. After waiting a week, I tried again on XX/XX/XXXX. I have still not received a response to either of these verification requests.

I have been prevented from accessing my virtual currency for 15 days at this point, and my only way to contact the company to help is via e-mail. They can take days to respond and the responses appear to be pre-written messages that do not help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Payday loan () with ZARVAD III S.A. (TX).
Issue: Can't stop charges to bank account

Complaint: I made a loan with MyPayDayLoan.com. Shortly after making the loan, I was not able to repay the scheduled payments. I have a tax lien filed against me, and my pay has has been garnished. In the process of trying to make a repayment plan through a debt counseling company, they refuse to work with them. Meanwhile they call me numerous times per day and at least one email each day trying to collect. I have attached two of their most recent emails for your review. One, I consider to be threatening as they claimed to have reported my bad check to Contribution, a service of SCAN??? I never sent them a check in any form. My complaint is ... They refuse to work with XXXX XXXX XXXX to receive payments. XXXX is not a debt settlement company. I made arrangements with XXXX to repay the entire amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I obtained a copy of Credit Report from Experian and noted several instances of incorrect information. I sent Experian a letter, Certified Mail, detailing these mistakes and requested an investigation. On XXXX XXXX, 2016 I received a letter from Experian saying that their security personnel had determined that the letter was not sent by me and that there would be no investigation. Additionally the letter stated that Experian would continue to apply this police to other request for an investigation.

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