milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I tried to contact Equifax at the phone numbers they provided and they do n't work. This company should be investigated. Their web site also puts you in circles. Terrible company

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: RE : XXXX ; WELLS FARGO NEVER requested to its Loss Prevention to have accounts ending in checking : XXXX and Savings ending : XXXX reopened or request to have the " Hard Hold '' removed based on the supporting documents received in Loss Prevention on XXXX/XXXX/XXXX supporting the deletion of the inaccurate and incomplete information by its Affiliate XXXX. The request, was made by WELLS FARGO, was ONLY to close the accounts to cover-up its Discriminatory Practices and VIOLATIONS of ECOA As Amended for protected traits ; race ( XXXX ) ; sex ( male ) ; age ( XXXX ). I have been singled out by WELLS FARGO and retaliated against, treated unfairly in an attempt to " get rid of my accounts '' for filing this COMPLAINT with the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (WY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Portfolio Recovery keeps calling my work number after being asked not to call me. They have made two calls in the last 30 days and another prior to this. Each time they call I tell them that this is my work number, the phone is answered by saying thank you for calling Employer 's name, they will not stop calling and I am not to have calls like this at work and they say they will note it and then call me again. I even give them my cell phone to call instead and they will not call it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2018, I filed a complaint with CFPB against Experian ( Complaint No. XXXX ) regarding an incorrect balance on an account. Experian responded that they would update my credit report to reflect the correct balance of {$0.00}, but instead they changed the balance to " Not Reported. '' There is no balance on that XXXX account. XXXX submitted a XXXX to the IRS, which means they CANCELED the debt. I have paid taxes on that amount as earned income. The balance should be XXXX DOLLARS. To say " Not Reported '' implies that there is a balance and it just wasn't reported. This is misleading. I want Experian to do what they already said they would do and list that balance as {$0.00}. 

I am attaching a copy of my original complaint showing Experian 's response in which they agree to update my balance to {$0.00} and a copy of the updated credit they sent me which does NOT list my balance as {$0.00} ( please see page six of the credit report ; I highlighted the relevant part ).

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 02-12-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The car loan was fraud.I contacted Santander along with all 3 credit bureau regarding the account..The account was opened using my Identifying information without consent, Santander has allowed such fraud loan to remain on my credit bureau which has caused me irritable harm.I supplied a police report and affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Our home loan was sold by XXXX XXXX XXXX to Nationstar Mortgage Company XX/XX/XXXX. A homeowner 's insurance premium came due on XXXX XXXX, 2015. The terms of the loan call for this payment to be made from our escrow account. This payment was not made by Nationstar Mortgage as agreed, and the coverage will be terminated on XXXX XXXX, 2015. Both Nationstar and XXXX XXXX XXXX provided assurances that the transition would be seamless. In addition, they have XXXX our mortgage insurance premiums without explanation. I contacted Nationstar Mortgage directly and did not receive any response and certainly not a resolution within their promised time frame. Attached please find the escrow details from Nationstar 's website that indicate the homeowner 's inusrance payment is scheduled for XXXX 2015. Today is XXXX XXXX, 2015. MIP should be half of the shown amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (FHA mortgage) with Patriot Mortgage Corporation (VA).
Issue: Credit decision / Underwriting

Complaint: Days prior to closing I received an email from broker stating " prior deals fell thru '' and my application " looked shaky '' and then a prompt request for me to " lend the agent {$3500.00} ''. I now have financial losses due to an apparent shakedown and other bad advice thru the process. Also, the worksheet was estimated at about XXXX and GFE days prior to settlement was {$36000.00}.

Company response to consumer: Untimely response
Consumer complaint received 07-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: COLLECTOR FAILED TO DISCLOSE DATE ON RIGHT TO DISPUTE/VALIDATION REQUEST LETTER. THIS BEHAVIOR IS DECETIVE AND MISLEADING THE CONSUMER IS A VIOLATION OF CFPB-PROHIBITION OF UNFAIR, DECEPTIVE, OR ABUSIVE ACT. ( DODD-FRANK WAL STREET REFORM AND CONSUMER PROTECTION ACT. SEE ATTACHED. ALSO, XXXX NOTORIOS FOR SENDING THEIR DEBT TO COLLECTION AGENCIES PRIOR TO VERIFICATION OF DEBT PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX, XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected

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 Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: My phone was stolen on the XX/XX/XXXX, so I also lost my XXXX XXXX XXXX. 
It seems that there is no human support for Coinbase and I was asked by a bot to verify my ID using my webcam - which I did. As I have moved countries, I get the following error message : ID does not match profile. 
Coinbase has no email support, no call centre and does not answer XXXX XXXX either. 
As far as I am concerned, this constitutes fraud - they have my money and I have no way of getting it back. My intention was to buy Bitcoin, but without access to my money I have now lost a potential {$2000.00} USD. 
Very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 XXXX has inaccurately reported a debt on my credit report. The only agency who stubbornly refuses to remove it is EQUIFAX. On my initial dispute, I advised them I have NEVER been a patient of XXXX Hospital. However, they claim they contacted the Collections Agency and they verified the item belongs to me. How can I be taken to Collections by XXXX Hospital if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by Equifax. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Mortgage Has yet to provide me proof to the on going issues with California All purpose Certificate of acknowledgment. It seems I ask for one thing to be answered and they send documents or some solution that has nothing to do with the issue of a Forged Document that makes the loan legally binding by the instrument to the Deed of Trust. 

I have requested to why some one forged my name or said I appeared before them when I did not nor had any knowledge of the document. I was never informed nor sign nor agreed for Wells Fargo Mortgage/ Notary to act on my behalf to power of attorney or correcting any documents. 

Notary can not notarize His/her own witness signature to execution of documents require both signer and witness personally appeared before the notary where the document is to be sign. 

Signer must be physically present face to face. I did not appear nor sign a California All Purpose Certificate of Acknowledgment as it states on the document. 

Wells Fargo Mortgage not ever informed me to no such document nor did they ever present it to me. If so why would the notary sign as me and say I appeared before her. 

Wells Fargo Mortgage/Notary took it on there behalf to act on my part to make the Instrument being the deed of trust a legal binding contract with out my permission and nor did I give any anyone power of attorney to correct or act for me with out informing me to making the loan legal. 

Wells Fargo Mortgage solutions department does not address this direct issue and there is nothing discuss to the matter of this when requested. It is always the run around to the issue at hand to the document to make the instrument/Deed of trust a legal binding contract The lady name XXXX never address the issue at hand its always the run around with the problem to one fact not a bunch of botch up documents that has nothing to do with the issue at hand. 

Nothing has been solved nor agreed upon by me with with Wells Fargo Mortgage XXXXommitting FRAUD FRAUD I 'm very aware of Wells Fargo Mortgage committing fraud threw out there loan documents and other various practices that Wells Fargo Mortgage does not want to address the issue.

Document is attach that is the issue with no explanation by Wells Fargo Mortgage

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 12/22/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I called Chase Credit Card company on XX/XX/2015 that I wanted to stop any further charges from XXXX. I told them that I had originally authorized XXXX to use my credit card but now do not want any further charges from them placed on my account because I was paying them by other means. I was told a " stop pay block '' was placed and no further charges will accrue. The next billing cycle I had another {$100.00} charge from XXXX and I called Chase Credit Card company on XX/XX/2015, repeating what I told the last representative, to advise them of this unauthorized charge that I was paying by other means. The representative, XXXX, said I should have disputed the charge and that she will dispute the charge, that I will receive a letter that I have to sign and return in order to do so. I never received the letter. I received a phone call today from Chase saying that my account is past due. I opened the statement I received yesterday XX/XX/2015 and there is another charge for {$100.00} against my account. Now I am waiting for a very busy medical practice to call me back which is precisely why I simply wanted their access to my account deactived until I had another appointment with them. I have never received anything from Chase for me to sign to dispute this charge in order to stop this cycle of charges according to their rules. I would think two phone calls verbally requesting this would be sufficient. XXXX XXXX only requires one phone call to settle such matters ... for them my verbal authorization is sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX XXXX. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XX/XX/XXXX from Bank of America. I moved to XXXX in about XX/XX/XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XX/XX/XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XX/XX/XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with Bank of America ( or XXXX ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XX/XX/XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept Bank of America because the interest was 4 percent fixed. But alter selling my home I became manic depressive and could not do simple paperwork and the bank of America card never got paid. Of course XXXX did not care about anything but making money from me. ( I NOW know ... ) 8. According to XXXX 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from Bank of America around XX/XX/XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.

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

Complaint: After reviewing my Equifax credit report I see they are reporting a satisfied judgement with an open balance. I contacted them and they stated that the judgement is shown as satisfied but they have not changed the balance to XXXX to reflect the judgement was paid. XXXX is reporting it correctly and XXXX has stated they will be updating their report to indicate the judgement was satisfied in full and no balance should be indicated in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On XX/XX/XXXX, a transaction of XXXX was taken out of my bank account and also it made a charge back fee of {$12.00}. I wanted to know why I was not informed about this reverse on a check that I deposited. Was it a bounced check on XX/XX/XXXX? It was reimbursement check. This had nothing to do with selling not sold to merchant. It stated 'return item charge back ' in the line on XX/XX/XXXX in XX/XX/XXXX bank statement.

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 07/27/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Account opening, closing, or management

Complaint: THE BANK SENT ME SEVERAL CONSUMER EMAILS STATING THAT FOR EVERY IMMEDIATE FAMILY MEMBER I REFERRED THAT OPENED AN ACCOUNT THAT ME AND THE RELATIVE WOULD BOTH RECEIVE {$50.00} REFERRAL FEE. 
I HAVE REFERED XXXX FAMILY MEMBERS AND ONLY RECEIVED CREDIT FOR ONE OF THEM. THE BANK REFUSES TO GIVE ME CREDIT FOR THE OTHERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (TX).
Issue: Closing on a mortgage

Complaint: This is the second complaint we have filed against AAG Reverse Mortgage Company since XX/XX/XXXX ... after 14 months of trying to obtain this loan we still stand waiting on completion of the loan..we have not heard from anyone since XX/XX/XXXX ... we do not know what our status is or what is happening to our loan ... we have spoke mainly to XXXX XXXX, his supervisor XXXX XXXX and XXXX XXXX ( Loan Processor ) ..we have sent in all the information they have requested to close on this loan but yet after months and months of waiting we still do not know if we have the loan or not ... we have not received any letter or phone call telling us the status ... ..It 's taken so long that we have had to do 2 appraisals..we have spent about {$1200.00} to cover these expenses including survey ... .thank you for your help in this matter .... XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been trying to work with this company for the past year dealing with this issue. This is not my credit cad, I have never had any type of capital one credit card. Matter of fact, I just applied for a   XXXX   XXXX   card. They are falsely reporting {$860.00} owed to Midland Funding. I do not owe Midland funding anything. I have no contract with Midland Funding. I have asked Midland Funding several times to give me verification and validation of this debt, and all they keep sending is a bill for {$860.00} with payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NV).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I requested a due date change on my account. I requested the due date change to the XXXX of every month instead of the XXXX. Reason being I get paid once a month on the XXXX Wednesday of every month. Due to where the fluctuation of certain days in a month occur, my pay day sometimes falls after my due date of the XXXX. I was informed because of where I live ( West Coast region ) the company is unable to change my due date. This inflexibility will sometimes cause me to be late with my payment. I am trying to be a responsible debtor so that none of my payments are late and I feel this company ( XXXX XXXX ) is hindering my ability to be a responsible debtor. Every other credit card I have, has been able to acquiesce my request.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The Lien on my credit report with Transunion does not belong to me it belongs to my sister in law with different date of birth and social. Disputed with Transunion and they refuse ro remove.

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 01-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: the year XX/XX/2007 I sighn a contract for sale my house by owner with my tenant rented my townhouse for 3 years. I agreed my XXXX XXXX XXXX to be a buyer lawyer. I find out my contract was again my agreedment. fisrt : my tenant hire a realtor agentAttorney XXXX, second I have to lie to the Hud loan program that I receive {$110000.00} ( {$110000.00} ) so she can pay to her realtor agent {$6000.00}. My tenant 's XXXX used to ask me buy my house with {$160000.00} by 24 Karat gold. at that time XXXX received welfare and food stamp. I call to the office layer to cancel the sale, in the meanwhile I went to Bankrupcy court to stop the forclosure. On XXXX I receive the envelop summon that I have to be at the court next day. The rulling the order I have to sale my house to her brother just been in USA for 2 years with the mortgage Hud program 5.5 %

Company response to consumer: Closed with explanation