milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All   XXXX   credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all  XXXX  of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.

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 07-07-2017 about Vehicle loan or lease (Lease) with VW Credit (UT).
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint: I am from XXXX and speak OK English ( I have asked a friend to type this ). My husband and I purchased a car from Volkswagon XXXX XXXX in XXXX Utah. We decided we did not like the car so we went to another dealership to trade the car in on another purchase. After the purchase was finalized on the new car the new dealership called us back and told us that the XXXX car was a lease and not a sale ( we did not know this ). We thought we had purchased the car and did not know what a Lease was. On XXXX/XXXX/2017 we went to the XXXX dealership and returned the car so that we could keep our new car ( we have a signed letter from from the XXXX dealership stating they received the car back on that day ). We then noticed that our Volkswagon payments for XXXX 2017 and XXXX 2017 continued to be pulled from our bank account, so on XXXX XXXX, 2017 we returned to the XXXX dealership and spoke to the person who had accepted the car ( XXXX XXXX ) who confirmed he had received the car back and wrote us the letter stating he had received the car on XXXX/XXXX/17, he then contacted other people to tell them to stop billing us for the car. In XXXX 2017 we applied for a mortgage loan and were told that the car was listed on my husbands credit report as 60 days delinquent with XXXX and XXXX payments showing missing which was dropping his credit score significantly.
We called the dealership back and were told that they did not know that they had the car ( although the salesperson said it had been sitting out in the lot for several months ). They had me call the financing company and tell them that we had returned the car and ask them to fix my husbands credit. They have refused to fix the credit and they kept the car for 6 months without removing it from my husbands credit report or reporting it returned.
Last week I spoke with the financing office again and they said the car was auctioned and we now have to pay an additional {$14000.00} before they will fix the credit and they say they will still not fix the credit. We have not received any letters about this yet. They say the car was sold at auction for less than what I owed on it and that is why I owe {$14000.00}. They have refused to provide me proof of what the car was purchased for at auction. If this is the case and a car worth {$26000.00} ( according to the financial office ) was actually sold for only {$12000.00} then I should have been allowed the option to sell the car on the open market myself and recoup the funds instead of the dealership getting paid twice for the car ( once from me and once from the new owner ).
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No one told us that the dealership would charge us this extra money for returning the car and they have the car and should not be charging us extra money.
The dealership should not be able to continue to charge us for the payments they took after they got the car back in XXXX and they should be responsible for removing the negative debt from the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: hi my name XXXX XXXX Ive tried countless of times to get this matter taken care of Equifax is reporting my car loan twice on my report and it has had a negative impact on my score I only have XXXX car loan that 's suppose to be reporting also XXXX financial do not report to Equifax so im wondering how do they get the information and still reporting it please investigate asap

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All three credit bureaus ( XXXX, EXPERIAN, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late

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 11-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I went into the Bank of America branch in XXXX, CA to inquire if my direct deposit was added to my account and if it would make sense to change it to a different type of account, before I knew it the account was changed. I was not eligible for a direct deposit account nor did I authorize the change, I was merely inquiring about the different type of accounts they offered. The criteria for the direct deposit account was either {$250.00} as a single deposit or a {$1500.00} daily balance, neither of these fit me and I was not informed of this prior to the change. The bank then told me my eBanking could not be reinstated. I contacted the branch manager the following day in person and also contacted XXXX XXXX at the Customer Service line in XXXX County, CA to correct this error, to no avail. The new changed account now has a monthly {$12.00} fee to maintain the account, so there was no prior notification of this and now I must close my account immediately in order to not have to pay this monthly fee. I want to emphasize that I never gave authorization to change my account.

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 08/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Making/receiving payments, sending money

Complaint: This is just a follow-up on the complain I submitted XXXX XXXX with case # XXXX. I have contacted Macy 's executive office after CFPB contacted them. On XXXX XXXX, XXXX XXXX XXXX of Macy 's executive office send me a letter saying after their further investigation, they located the payments that were made using my checking account. Her letter also indicated that the amount {$380.00} will be refunded back to my checking account and allow 3 to 5 business days for processing. ( that was XXXX ) Her letter indicated a wrong account number ( account ending in XXXX ). Since the incident, I have closed my Checking Account. My account number is XXXX XXXX XXXX XXXX, account # XXXX. After a few phone calls ( leaving messages all the time ) I finally talked to her and gave her the correct account number. That was XXXX XXXX. Maybe with your help, XXXX will finally resolve this problem. XXXX XXXX phone at XXXX is XXXX Extension XXXX. Thank you so much.

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 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: amex is refusing to honor veterans because XXXX wont do it and is conning people by the hundredfold. XXXX refuses to accept MIL ID, SSN, ACTIVE DL, PASSPORT INFO etc as valid us citizenship documentation and refuses to sync thier online info. 

bc of thier wreckless actions I am unable to open several thousand dollars worth of SECURED credit. 

I pay my bills have been slandered by others. I want an AMEX bc THEY issue and can replace the card, no nonsence XXXX. 

there is no other way to contact amex unless your a member or a XXXX robot. this is growing trend and is illegal. furthermore I demand thier fax info to prove my citizenship, which is more than XXXX will do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Balance {$200.00} Balance Updated XX/XX/2017 Balance {$730.00} Balance Updated XXXX  Balance {$200.00} Balance Updated XX/XX/2017 XXXX XXXX/ XXXX XXXX XXXX This company has reported this account 3 different ways on my credit report and it was reported not correct. According to The Fair Lending Credit Act it has to be reported accurately. And it was not until I reviewed my credit report that I noticed the mistake and I had XXXX XXXX look into it, However they deleted 2 accounts and undated one to the {$730.00} and that balance was never reported until they were contacted about ALL the mistakes with the account and how it was reported, They the company has VIOLATE my rights and the Fair Lending Credit Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (I do not know) with I.C. System, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX XXXX against IC Systems for IC Systems 's failure to provide requested information for the debt alleged. As of XX/XX/2017, IC Systems has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 09-12-2017 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: On XXXX XXXX, XXXX I was notified that my personal information was potentially accessed illegally, without my consent, via a massive data breach at Equifax. This data breach occurred late early XXXX of XXXX and Equifax failed to notify me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Medical) with MFP, inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received XXXX letters for regarding accounts # XXXX and # XXXX. The letters from Financial Credit Services were dated XXXX XXXXXX/XX/2015. They said I owed XXXX amounts XXXX {$250.00} and XXXX {$500.00}. It said it was from XXXX XXXX XXXX XXXX, but did n't give any detail. I did not recognize the debts and do not believe them to be mine, so I requested validation and proof I owed them the alleged debts. In the letter I requested competent evidence I had a contractual obligation to pay them the alleged debt. I also disputed the debt and asked for validation including copies of any agreements signed by me, explanation of the amount, identify the original creditor, if any insurance claims were submitted alone with either documents regarding assignment of the alleged debt or proof the alleged debt was purchased. I later received XXXX letters, XXXX dated XXXX XXXX, saying the requested information was enclosed. Neither letter specifically addressed any of my concerns nor provided any of the information I requested. XXXX " letters '' provided online print-out of basis coded information. The XXXX account for {$250.00} did not even list my name but my daughter 's name and the account # XXXX showed my name, but does n't provide any information regarding what the debt was for, that it is my debt. The online prints out are very basic and encrypted. I subsequently mailed them XXXX more letters via certified mail notifying them that the online printouts do not qualify as validation or specific proof the debts are mine or I have any obligation to pay them. I still do not know what the debt was for nor do I have any clue they own or was assigned the debt. Financial Credit Services did not respond do either of the XXXX letters and on XXXX XXXX submitted the debts against my credit report. I believe their practice is against the law and does not comply with the debt collection policies. I do not owe these debts and they will not provide proof I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: in violations of the federal governmental housing regulations per the home loan mortgage foreclosure procedures by law the bank first legal step was to file and have me served with a NOTICE OF DEFAULT in missing payments of the mortgage loan in a non judicial filing the notice of default should have been filed with the XXXX recorder office where my real estate property is located per a judicial court foreclosure filing the XXXX court should have served me with a court complaint with a case number concerning the notice of default as the homeowner legal rights by law to payoff the total default loan amount and stop the the bank foreclosure process and this procedure by law should have only been taken AFTER the bank made all legal efforts to modify the mortgage loan for refinancing AS THE BANK DID NOT COMPLY AS TO BE IN COMPLIANCE WITH THE XXXX STATE AND FEDERAL AGENCIES LAWS BEFORE EXECUTED AN IMPROPER HOMEOWNER 'S FORECLOSURE EVICTION thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Equifax via fax and mail stating that I have no business with these inquires on my credit report and I want them removed. How many times is it going to take to have them do there job. I have put a fraud alert on my account so no one opens an account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections in XX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.

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 08/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (LA).
Issue: Money was not available when promised

Complaint: Hi, I initiated a wire transfer from my bank, XXXX, to Coinbase two days ago. Wire transfers usually take a day, so I gave them a day before I called their bank, XXXX XXXX XXXX. Their bank said they have received the funds so I need to contact coinbase. I sent coinbase an e-mail but they just keep giving me automated responses. I searched online for people similar to my problem and it seems many people are having this problem for I do n't know what reason. They charge money to wire but they do n't give us funds in the same day. I am afraid they are stealing money. Here are the details of the transaction. Wire amount XXXX U.S. Dollars ( USD ) Wire date XX/XX/XXXX at XXXX XXXX ETXX/XX/XXXX at XXXX XXXX ET Message to recipient XXXX Message/instructions to recipient bank XXXX Transaction number XXXX Fed reference number XXXX Status Completed

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On XX/XX/XXXX & XX/XX/XXXX I received an email from the CEO 's ( XXXX XXXX and XXXX XXXX ) stating that Synchrony wanted to help XXXX XXXX victims. The email said they were not going to charge late fees, give credit limits and other services. I called on the XX/XX/XXXX to find out what services they were providing. The Customer Rep said they were only giving a one month extension. My next payment was due XX/XX/XXXX. I was approve for the extension. Today I receive a credit alert saying my scores dropped because my Sam 's XXXX was decreased by XXXX dollars. My limit was XXXX. I called Synchrony and the Customer Rep said I was decreased for lack of payment. I spoke to three Managers who said it was n't anything they can do but take off the late charges and give me another month extension. They  could not restore my credit amount. My utilization is at 97 %. Other credit cards which I have never had a missed payment or late charges may do the same because they will see me as an high risk.

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 11/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX sent a " kill code " that destroyed my bought and paid forDVR player. I was required to purchase my DVR because XXXX said that I did n't qualify for a free one, I had to pay XXXX USD for my DVR. Not only did they kill my DVR on XX/XX/XXXX @ XXXX XXXX, there was no outstanding balance on my account. XXXX stopped providing service in XX/XX/XXXX. XX/XX/XXXX I received a bill for XXXX USD for services allegedly provided XX/XX/XXXX, how? They required me to first purchase a DVR, then killed that DVR and then charged me for services I could not have received. When I refused to pay for services not delivered, XXXX illegally turned my account over to collection which severely affected my credit score. My score dropped XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Medical debt) with Senex Services Corp. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The company  is Senex Services Corp.and th e debt is in the amount of  XXXX . I was never contacted about this debt by mail or any other source, but it appeared on my credit report. I requested validation from this collection agency and I was sent a detailed description of services rendered with an incorrect address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Citimortgage previously about their collecting property insurance and taxes on the alleged mortgage for account. I called once again and spoke to citimortgage representative XXXX ID # XXXX and asked informed her that Property Taxes and Insurance was my responsiblity to pay and NOT citimortgage. The representative said it was their responsibility to escrow taxes and insurance. This among other major problems exist with this alleged account. This collection of insurance and taxes is one of many. I have a written document from Citimortgage CONTRARY to what the representative explained. It is the " HAMP modification from Citimortgage dated XX/XX/2010 original document. This is clearly a BREACH by Citimortgage as I have previously stated I did address this problem in XX/XX/2010 but as usual it went ignored and citimortgage refused to STOP collecting taxes and insurance from me via escrow in this alleged mortgage. 
See documentation that I have included in this complaint. See paragraph 4 ADDITIONAL AGREEMENTS letters C and D of the Multistate Home Affordable Modification Agreement

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