milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX XXXX 2. Wells Fargo Card Service 3. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 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: Below  are dates of credit inquiries that I wish to have removed from my credit report Equifax. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX, XXXX and XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. 

XXXX XXXX, XXXX, and XXXX a XXXX XXXX called stating she was from the paralegal office of XXXX XXXX and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This company has inaccurate information on my credit report and I want it off my report. I contacted Experian, XXXX, and XXXX on several occasions more recently on XXXX XXXX, 2017 and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the XXXX XXXX XXXX XXXX that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XXXX XXXX, 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: ACS/XXXX is reporting my status negatively as 90 days behnd and the account has been paid and closed as of XX/XX/2016 The debt was consolidated by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Consumer Loan (Title loan) with PNC Bank N.A. (FL).
Issue: Payment to acct not credited

Complaint: A 20 year loan at .0875 simple interest, in XX/XX/XXXX and ongoing, we have made {$17000.00} in principal only payments, as allowed by our original contract ( XX/XX/XXXX ) and interest has been taken out of those payments. There are other anomalies in the account history, that are different from the actuarial table. We have not been given an explanation that is much more than making the numbers say what they want. We have been trying to pay this off since XX/XX/XXXX in person at PNC Bank XXXX Fl. and 26 phone calls, many not answered or returned, since then. The payoff amount is always about {$4000.00} high by my arithmetic. PNC Bank and we have been going around on this since late XX/XX/XXXX. It is my opinion they ( PNC Bank ) is stealing {$4000.00} from us and with the continuous avoidance and runaround {$6.00} a day in interest since XX/XX/XXXX. Mostly they, ( PNC Bank ) continues to not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Credit decision / Underwriting

Complaint: In XXXX of XXXX, I received a letter from Citimortgage stating that the Making Home Affordable program announced an expansion of borrower " pay for performance '' incentives for eligible loans modified under the Home Affordable Modification Program ( HAMP ). Since I did have this type of loan, I assumed this program applied to me. It lists the criteria I must meet in order to be eligible to received a {$5000.00} incentive and the {$5000.00} incentive would be applied as a lump-sum principal balance reduction payment shortly after the 6th anniversary of my HAMP Trial Period Plan effective date. It also states " that the incentive will be shown on your monthly Mortgage Account Statement, and THERE IS NO ACTION REQUIRED FROM YOU '' to get this incentive. I waited for my anniversary date of XXXX/XXXX/XXXX for the incentive to be applied. On XXXX/XXXX/XXXX, when I still did not get the incentive, my wife phoned customer service to ask what had happened and was told that I was supposed to sign the recertification papers and send them back. WHAT RECERTIFICATION PAPERS? The only paper that I received was the letter dated XXXX XXXX, XXXX, that I 've enclosed for your review. AT NO TIME, did I receive any other papers to sign or else I definitely would have signed them and sent them in. I was just under the assumption of the instructions on the letter, NO ACTION REQUIRED FROM YOU. If the letter had said, unless you send in your recertification papers by a certain date, you will not be eligible to receive this incentive, I would have called and said that I never got any such papers. Now, according to the customer service rep that my wife talked to at Citimortgage, the time has passed to send in these papers and that because I missed the deadline, I will not be getting this incentive. I feel that this letter was misleading and lead me to believe there was nothing more I needed to do to get this incentive. I ca n't begin to tell you how completely devastated I am that I will not be getting the {$5000.00} incentive. I have paid my mortgage on time for over 6 years and I think it is terrible that they can do this to me. Whatever help you can give me in this matter would be extremely appreciated.

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 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: The account I 'm discussing was in my XXXX husband 's name with my card as an additional member for a Citibank XXXX membership. In XXXX I did not receive a statement, and knowing I had a balance I called Citibank to obtain the amount of the balance. I advised Citibank that my husband was XXXX. 

The XXXX membership was to be renewed in XXXX so I had continued to use my card, knowing that at renewal, I would have to change to my name. 

The person I spoke to at Citibank on XX/XX/XXXXXXXX XXXX XXXX told me that he would immediately close the account and gave me the information to mail the balance which was not due untilXX/XX/XXXX 

On XXXX XXXX at XXXX XXXX I received a call on my house phone from a company called XXXX XXXX. I did not respond. On XXXX XXXX I received a call on my cell phone from the same company. I XXXX the company and read of many complaints of harassment, especially by XXXX and with connections to Citibank. 

I received a letter from XXXX XXXX dated XXXX XXXX requesting confirmation of the person responsible for my XXXX husband 's estate. 

XXXX XXXX, I called a number which had been given me by the representative at Citibank for " XXXX  Recovery unit ''. One of the prompts at that number ( XXXX ) offers XXXX XXXX. 

I contacted Citibank customer service XXXX to ask if my husband 's account had been turned over to a collection agency and to say that I suspected fraud, the representative transferred me to XXXX XXXX. I spoke to XXXX and offered the reference # on the XXXX XXXX letter. I was advised the call was being recorded. I was asked for dates of birth and XXXX of my husband. I asked the reason I was being contacted and she advised she could not tell me! She did finally confirm the account was Citibank. I explained it seemed like a scam and I would be reporting the contacts to government agencies. She said she would remove my phone numbers and ended the call. 

The balance has been paid on the Citibank account, but the harassment should be acknowledged.

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 02-05-2016 about Bank account or service (Other bank product/service) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Account opening, closing, or management

Complaint: PENTAGON FCU XXXX ACCOUNT NUMBER OPEN DATE XX/XX/XXXX BALANCE DATE XX/XX/XXXX ACCOUNT STATUS XXXX PAST DUE XXXX COMMENT TRANSFERRED I AM DEMANDING VALIDATION FOR THE ABOVE REFERENCE NUMBER PLEASE PROVIDE A FULL ACCOUNT LEDGER AND A CHAIN OF TITLE FOR THE THIS DEBT THAT IS BEING REPORTED ON MY CREDIT REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: after I deposited XXXX XXXX party checks into my business checking account for a total of {$23000.00} the bank closed my account. I have a business and part of the services that I provided is check cashing. All checks were good, all checks cleared and 2 months later the bank hold the funds and now they are asking to bring to a branch all XXXX checks issuer to confirm the check. 
Because they company checks and XXXX party, I have not relation directly to the check issuer. 
I am asking the bank to give me the money or to give me the checks. They do not want to do it neither. Just bringing the XXXX check issuers to the bank will release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Closing on a mortgage

Complaint: This is my third complaint submitted I am requesting my original note and all documentation from  XXXX   XXXX   XXXX  and  XXXX   XXXX  because on my current modification the amount placed on the back end do not match my accounting records.   I sent in a writing request on  XXXX   XXXX , I called  10 times e ach time they say they can not find my paperwork. I then submitted complaints and the company on  XXXX   XXXX  sent me a copy of my current modification. That is not what my complaint is asking for I would like to review original documentation and current modification to show them that there calculation are off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX [ [ Reference to my property located at XXXX XXXX XXXX. XXXX, NC XXXXLoan # XXXX Serviced by Select Portfolio Servicing. Relationship. 
Person of Contact is XXXX XXXX, Relationship Manager, XXXX Extension XXXX. 
His email is XXXXXXXXTry and try again to contact him. Good Luck!. I have NOT been able to contact him. 
***************************************************************************************************This is concerning the papers I sign for the Deed-In-Lieu. I sign XXXX different pages and was given copies of all pages NOT sign by me. I met a Notary Public in XXXX, NC. 
Met at XXXX off XXXX XXXX on Saturday XXXX XXXX, 2015. Ever since that day, I have requested a copy of the pages I sign and I have received NO response from anyone. Emails to XXXX XXXX were sent in multiple days. Last email sent was just before XXXX. I have copies of other attempts to contact dated XXXX XXXX, XXXX XXXX, and others. I have made more than XXXX calls to SPS and it is a joke. I made sure that the conversations were recorded. 
It seems that SPS and the staff have no real desire to finish what they started.!!!!!!!!!!!!!!! 



I signed the Deed-In-Lieu paper

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: TodayXX/XX/2018 I attempted withdrawing US Dollars from my account in Coinbase. After attempting to withdraw, I receive an email saying my bank is cancelling the deposit. However, my bank XXXX XXXX, states they never received any deposits nor blocked or cancelled any. So I tried Withdrawing again from Coinbase, and depositing into my XXXX XXXX  account. Again, they say bank cancelled deposit, again bank denies. I lost $XXXX already on this, nobody at Coinbase responds, its a shame they even are licensed. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My current student loans are being serviced by Fedloan. In the last few months I 've had some extra money and figuered I would pay down my loan a little extra. After a few months of doing this, I noticed my payment amount changing which seemed odd, so I looked into what was happening. Instead of applying my extra payments to curent principal after all my interest payments were satisfied, they were applying my payments to " future '' payments. It would seem to me that any interest my loan accrued on an amount that should have gone to principal is fraudlent. It is not a huge sum of money, but they are in effect preventing me from paying down my loan faster. This would seem like its a form of an undisclosed pre-payment penalty and seems like its illegal. I ca n't XXXX any XXXX person has huge damages from this practice, but If they are doing this to anyone looking to pay down there student loans faster, I would bet this adds up to a lot of ill begotten gain.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
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: XXXX   XXXX ,    2016   XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.

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 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I bought a ring from XXXX. I paid the ring off, and I applyed for a credit card and never received it. Although on my credit report showed I have a 90 day missed payment on my credit card account. Which I never received one bc they had my home address not my XXXX XXXX XXXX So I called XXXX claims and they said I have a balance off $ XXXXSo I do n't understand why my credit report says that I 'm XXXX days late. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: capitol one or XXXX XXXX wrongfully sued me for another companies debt. XXXX XXXX a former busineess checks used to bounce and i 'm just a employee. accountant did not deposit money into accounts for checks to clear. if a job or business is responsible for paying the employees.employees should not be held responsible for bounced checks or fees. owners should be sued and accountants. XXXX XXXX XXXX XXXX XXXX XXXX embezzled money did not deposit accounts and opened up businesses illegally. XXXX XXXX embezzled over a million dollars from XXXX XXXX Alone. I had no idea about this debt and is a business debt not a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This should be rectified by : Equifax should be required to monitor my account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. If there is fraud due to this misuse of my report, Equifax should be responsible for correcting the fraud as well as responsible for any associated costs. 

Additionally, Credit freezing should be free. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation