milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Equifax I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I have been disputing several accounts with Equifax Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. 

I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Equifax are violating my rights under this law. I sent out a certified letters to Equifax and have tracked delivery confirmation that they received my letter. 


I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months for employment purposes. 

The disputed items are as follows 1. XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Appreciatively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: The complaint involves XXXX AND EXPERIAN report a chapter XXXX that has n't been VALIDATED yet still remains on my report. XXXX deleted the reporting and then added it back which is a violation of the FCDPA LAWS that states you have to give the consumer 5 days notice before adding anything back to a consumers file. I challenge the accuracy, compliance, and reporting of both listings. As of XXXX XXXX, the law states the following Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 
XXXX AND EXPERIAN HAVE FAILED TO VALIDATE THIS INFORMATION ON MY REPORTS AND IS CAUSING ME GREAT HARM. I want these items deleted today.

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 08/20/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problems caused by my funds being low

Complaint: Chase bank was called on this before, and they are doing it again. Often times I have enough money in my account to cover a smaller check, but they will debit the largest amount first, then charge overdraft fees on all the remaining items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had this item removed and it is showing on my report again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 was a victim of Identity Theft a few times over the past two years and have submitted police reports, identity theft reports and have spoken with each credit bureau. I even have an extended fraud alert on each bureau. I just pulled a copy of my credit report and it states I have a medical collection opened in XXXX 2017. This is NOT FACTUAL and needs to be removed as it is apparent identity theft. The credit bureau has not removed this account even after my dispute to them. 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 explanation
Consumer complaint received 06/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: I bought XXXX BTC from Coinbase, Inc on XXXX XXXX 2017 using a debit card. As per their site, debit card transactions should process " instantly '' and the Bitcoins should have been in my virtual wallet on Coinbase. It is now over a month with no contact from Coinbase, little to no support or even the ability to speak to a person. I have sent multiple emails and the responses are computer-generated messages with no information of the status of my transaction. The money left my bank account immediately so I do not know why I have not been able to receive my Bitcoins. I just want this transaction to go through and then I am closing my account. Coinbase is a scam, where they take your money and offer no way to contact them or get your money back. They make too much money of every single transaction that this kind of issues are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Federal student loan debt) with Williams & Fudge, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In   XXXX   I applied for financial aid to attend  XXXX   XXXX  College. I applied for a student loan to cover the total cost of my expenses for the semester. A month and a half into the semester, I received an email stating that I had received too much money from the school. When I emailed  XXXX   XXXX ,  Direct Loan   Financial Aid Specialist, a bout it and asked for proof of why I owed the school, He could not provide me with anything. He wrote me an email, where he spelled my name wrong ( I do n't think it was intended even for me! ), and vaguely stated I owed the school money! Fast forward 4 years later, they have sold that debt to a debt collector nam ed Williams and Fudge to  the tune of {$3000.00}, which is negatively impacting my credit and also have held my grades so that now I 'm not able to continue my academics! When I disputed this account through the credit bureaus, they refused to delete it and sent me a faulty ledger, with dates out of place, and no signatures! I have done the math and It was not proper validation of debt that I owe then anything!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: I have been banking with Capital one bank for about 5 months now and back On XXXX XXXX between the hours of XXXX XXXX and XXXX XXXX I went to a capital one bank in XXXX TX to deposit {$260.00} in the atm so i could go school shopping for my daughter and not have to pull out cash and just be able to swipe my card. Ive had bank accounts since I was XXXX years old and never had atm issues so as i normally do I stacked up all my bills followed instructions on screen and gave the atm {$260.00} then the atm said their was an error reading my money and then cancelled the transaction and my money was never deposited and never returned to me. I immediately went in the bank and they said there was nothing they could do because they have nothing to do with the atm outside and gave me an XXXX number to the atm department and claims department. I called them but since it was a saturday they said all they could do was send out a request to look into the issue and contact me in 7 business days. So that Monday morning on XX/XX/XXXX i called the bank is XXXX and asked for a manager, i explained the issue and she transferred me to claims. The claims department issued a credit of {$260.00} and I thought my issue was taken care of, I was relieved and forgot about the issue until a month later in XX/XX/XXXX I received a letter stating there was no error in the ATM and i am required to pay back {$260.00} or my account will be negative and will affect my good banking credit. The claims department said they would have to call me back again after i said I do n't feel I should have to pay this so after ending that call I called the bank where this event took place and asked if they could review security camera form that date i need someone from this company to be on my side and can help me prove that this atm took my money so the man at the bank location looked at my account and said the issue was that they gave me a credit of {$260.00} twice and thats why i got the letter even though according to my transaction history it only shows XXXX credit and according to the letter they sent me it does n't say I was issued XXXX credits by mistake it says I need to pay back the {$260.00} because the there was no error on my account or atm. I am getting XXXX different stories and based on what I know happened and on the documents I have the atm took my money, they issued me back my money and now they are saying im lying and i need to pay it back. But the bank and the claims department are giving me XXXX different stories. Its just not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Schachter Portnoy, L.L.C. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collectors may NOT add interest, fees, expenses or charges of any kind to the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: First off I mailed all information showing I did not live at XXXX XXXX XXXX wv. I sent everything Equifax requested for a debt that was not miNE The address is still listed. Next I sent in complaint about accounts being re added to repors. Everything in my consumer complaint i mentioned. Equifax added it as a person quote thing on my credit report for potential creditors to see, I did not ask that it be added. Equifax has completed your dispute for Confirmation Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I sent in a complaint about Bank of America, ( XXXX ) concerning my loan modification. Recently my income had dropped, and I sent a letter to Bank of America, explaining my problem and asking for a reduction of my monthly mortgage payment of {$830.00}. They sent me their response with a loan modification that costs more than what I was paying per month of {$840.00}. Obviously they are not interested in working with me to keep my home, which I have owned for 27 years. Also, they only call me when I am not home. How do they know when I am NOT home? They leave a message, and I call the numbers they give me and no one ever answers. Tricky. Tricky.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with AUDUBON LIBERTY & ASSOCIATES (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On XXXX XXXX, I received a voicemail from XXXX XXXX ( sp? ) stating that he intended to serve me with legal documentation that required my signature. He stated that he would come to my place of employment between XXXX and XXXX, and proceed to my home and " wait there a while for me to show up. '' He said if he did not see me TODAY, it would result in further action and be considered a " missed appearance. '' The number he left was XXXX, and I needed to reference my document number, which was XXXX. I called this number and spoke to a XXXX XXXX. This person told me they wanted to settle an old debt. He gave me two different amounts that I owed ( $ XXXX and then $ XXXX ), and said they would settle for {$400.00}. He asked for debit card information so I could pay, and also gave me payment options. This was suspicious to me, so I asked for his business name, which is Audubon Liberty Associates. He gave me three different phone numbers when asked, and when I asked the physical address of his business, he first said they were in North Carolina. When I asked him again, he told me they are in South Carolina. When I told him he initially said they were in North Carolina, he responded " No I did not. '' He got rude when I pushed with more questions. He refused to give me the physical address of his company. He gave me XXXX digits and asked if those were the last XXXX of my SSN. They were not. I asked what address they had on file and it was not at all familiar to me. After I pushed, he then said they must have the wrong person. It was clearly a scam.

Company response to consumer: Untimely response
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I went to XXXX in 1989. I started with a {$6000.00} loan. I was a single mom and could n't pay this loan. It is now $ 39,000+. I wanted to go back to school so I contacted XXXX for my transcripts. THERE 'S NO RECORD OF MY EDUCATION? NO RECORD OF MY XXXX. This school closed down many years ago. My question is why do I have this outstanding loan with no record of my education that I would even be paying for?!?!?!? 

Navient is my lender. They will get me no answers or resolutions XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: HelloI am seeking help with a debt collector calling from the phone number of XXXX, that is constantly calling my place of employment. I am not allowed to receive personal calls unless it is a life or death matter. They are now asking for my supervisors since I am not able to take the calls. Please tell me what I can do, I am very afraid that they will cause me to lose my position here. This is truly harassing and should not be done to no XXXX at their place of employment. 

Thank You.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MN).
Issue: Application, originator, mortgage broker

Complaint: I 'm a first time home buyer looking at financial institutions for potential loans. I have accounts at various places to include USAA. I was looking at potentially applying for a home loan with USAA and they ran my credit without my approval. I ended up going with another bank. I approved the other bank to run my credit but not USAA. Just because I have accounts with one company does n't give them the right to run my credit, or does it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Credit decision / Underwriting

Complaint: COMPLAINT AGAINST BANK OF AMERICA AND XXXX We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with Bank of America. Bank of America approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
XXXX XXXX entered it as a delinquent mortgage. 

It appears Bank of America sold the mortgage after accepting the proceed from the short sale as full settlement. Bank of America and XXXX XXXX are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..

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 12/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a loan modification but the loan servicer denial my request so I applied for a short sale and submitted a offer on XXXX/XXXX/XXXX and caliber would not accept the offer, so they order a BPO on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to determine the value and it was valued at {$330000.00}, so we submitted a offer cash of {$370000.00} which is much higher then its worth but now caliber is saying its too late to continue with the short sale and the sale is set for XXXX/XXXX/XXXX, this whole thing is crazy we give them a higher offer and this is the thanks that we get, caliber clearly wants to foreclose on my property and that is a fact, someone in your office needs to look into this matter, we have also filed a complaint with the attorney general office of CA .can someone please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: Between XXXX 2016 and XXXX 2016 Suntrust Bank has charged me more than {$500.00} in overdraft fees caused by their policy of reversing debits to increase the number of fees that they can charge. Some of the debits that they reversed on my account were days old before they reversed them. Some of these charges were less than {$10.00} and incurred charges of {$37.00}.

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 09/16/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In retaliation of my original complaint with the CFPB against Equifax, the company has cancelled my XXXXBureau Report that I paid for on XXXX and removed my payment methods used. When I noticed this during a routine attempt to view what I bought, I called customer service. The woman ( clearly XXXX ) told me that Equifax failed to bill me for a completely different product and, due to the company 's error, had decided to cancel what I legitimately paid for. 
It is not my responsibility to do Equifax 's job in reminding them to bill me. My payment method was always valid, was previously auto-billed, so the issue was clearly on their end - not mind. But cancelling a product that I legitimately paid for and REFUSING to refund me for the product I paid for is against all known laws. 
Furthermore, Equifax has NOT completed their investigation dated XXXX/XXXX/2015 as my report still reflects the items I disputed as being under investigation, which is against FCRA. 
The agent 's response ( clearly doctored XXXX from CFPB case # XXXX only proves the company has been mishandling mine ( and others ' ) credit report information and has no interest in making things right with the numerous consumers they 've wronged. 
CFPB should hold this company responsible as I 'm certain XXXX ( if not XXXX XXXX will line up behind me in adjudicating Equifax a company that falls short of any semblance of 'organization '. 
Attachments prove they charged my debit card ( which they removed ), and also prove the company is NOT representing the truth in how they 're re-investigating. 
I also have the right to know the procedures used during their re-investigation, which I would like to see.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a Capital One Credit Card and was declined. I have a XXXX FICO Score and do n't understand why I was declined. 

Can you please let me know why I was declined.

Company response to consumer: Closed with explanation