milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that XXXX XXXX XXXX aka XXXX sold this debt to XXXX XXXX and that was done on XXXX XXXX 2017. Now we received a debt letter which we received the XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to XXXX XXXX being added to my credit report ( Equifax and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for XXXX XXXX is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX )  however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm XXXX XXXX, Ive been trying to solve this problem going on a year now, since ive filed Bankruptcy XXXX and nothing is cleared off my credit, I filed Chapter XXXX and it was discharge, nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my Information to each other,, and I also request that Fraud be remove from my Credit file and it has no happened, I 'm filing this complaint because I 'm getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because XXXX and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that i have disputed. Please resolve the manner as soon as possible. Thank You.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX, I went to the website XXXX and tried to request my free annual report to be provided to me through the U.S. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only one phone number : XXXX. I called this number about 15 times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.

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 01-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (SC).
Issue: Money was not available when promised

Complaint: At XXXX EST on XXXX XXXX, 2017, Coinbase initiated a transfer of XXXX Litecoin, worth over {$4000.00} USD, to their exchange platform GDAX. They claim that these transfers are instant, yet I 've been waiting almost four days and the transfer is still " pending '' and I have no access to my currency. Support has not responded to my complaints, and I 'm seeing many other people on social media complaining about the exact same problem who have also not heard from support. My support case number is # XXXX and the transfer ID of the transfer in question is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am submitting an official complaint about Equifax. They have been delinquent in their responsibilities to protect my financial information. I have come to learn that time after time they have ignored attacks on their systems and choose instead profit over installing electronic protection of my data. In addition, the executives of this firm have profited on this negligence by selling stock, once they learned of the massive breach and before the information went public. I have no control as to these credit reporting companies obtaining my sensitive information and the lack of security they use to protect it. Consumers need more protection. The executives of Equifax must be prosecuted. They are no better, actually they are worse, than the criminals that stole my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (I do not know) with Windham Professionals, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Windham Professionals called my cell phone and presented themselves as a company looking for a reference to hire my ex-wife and asked for her contact information. I have not had contact with her in 6 years and our last names have not been the same for that long. I asked if they were collecting a debt and they answered " yes '' and hung up the phone. I called the number back to see what the company was. This is the second call I have received from them after asking them never to call me again, I have nothing to do with my ex-wife or her debts. The fact that they are misrepresenting themselves, calling a mobile phone they likely should not be calling, proves this company should at least be investigated.

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 12/20/2016 about Student loan (Federal student loan servicing) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: BANK OF AMERICA/XXXX is reporting for XX/XX/XXXX as 90 days behind however reported XX/XX/XXXX to XX/XX/XXXX in good standing. It would not be possible to be 90 days late if the account was in good standing the month prior. This is significantly bringing down my credit.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My husband and I filed for bankruptcy in XX/XX/XXXX which was finalized on XX/XX/XXXX. A few days later on XX/XX/XXXX we got a car loan from Prestige Financial and have been paying on this van ever since. On XX/XX/XXXX we recvd an alert from our credit tracker thru XXXX XXXX and it stated that we have a new item added to our report. It stated NEW bankruptcy XX/XX/XXXX Lender Prestige Financial An account provider reports that when you filed for bankruptcy and listed this account as one of the ones you could not pay. This ins incorrect and this loan never should have been reported this way when we file bankruptcy in XX/XX/XXXX and defiantly never should be reporting in XX/XX/XXXX as a  NEW bankruptcy. This has caused my credit score to drop XXXX points and my husbands XXXX. I have disputed with prestige and they stated its not their error and the loan has been reporting since the loan was opened and theres nothing they can do. I disputed with credit bureau and waiting on their response. It has been a ruff ride trying to get our credit score above XXXX and life hits you hard sometimes but when you are trying to get right this happened and knocked us back. After all these years of paying on our van its never been reported correctly and now showing up in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (TX).
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint: So i was mislead to buy a new Vehicle. They said only one bank approved me. Which was another lie. The whole time the seller mislead the buyer into signing a contract .ive tried talking with the GM but hes rude. I took it back within the time limit and they refused. They used someones elses insurance. They will know its me. They brought my credit down to nothing

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 02/13/2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I got a voicemail from a woman named XXXX XXXX saying I would have to appear in court with a case number, and if I wanted to contact the filing party. I called the filing party, but the man, in a completely different state named XXXX XXXX of the XXXX XXXX XXXX had no clue what I was talking about, but would not give me the name and address of his company unless I presented my " case number ''. Fearing this was a false debt collector especially due to the voicemail, I hung up without giving him any information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We ( my late husband & I ) owned property which was in his & his brothers name. Financed thru BofA, sold to Green Tree and now DiTech. After my husbands death I ended up owning the property XXXX %. It is rental property and I make all of the payments, etc. Yes, I have been late on several payments but always catch them up and pay any late charge associated with them. I just received a call from DiTech saying that they received my XX/XX/XXXX payment, but would not be applying it to the loan, as it was not the total amount due. I asked what the extra amount was for, please break it down for me and she said she could only give me limited amount of information on the account and she would not be applying my payment. My husband has been deceased for 7 years and I have always spoken with this and previous companies regarding the loan and payments. They have had my brother-in-laws permission to speak to me regarding anything to do with this loan for many years. Even though I always pay any late fees, if I am not mistaken, the original loan papers say any outstanding late fees, etc. will be added to the end of the payment schedule/final payment. How can a financial institution treat and threaten paying customers in this manner? Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian is incorrectly reporting that I was 30 days past due in XX/XX/XXXX for my XXXX XXXX XXXX auto loan. I do n't know how this happened. For years, this account has been paid off and closed and has n't reported activity since XX/XX/XXXX. Since XXXX, this account has been reported as a paid off account that was always paid satisfactorily and never late. The account number is " XXXX ''. I am attaching a screenshot of a bank report from XX/XX/XXXXof this year that shows how Experian did not have a late on this account. Somehow last month, Experian started reporting that I was 30 days late in XXXX of XXXX. I was shocked to find this out because this is incorrect inaccurate information and needs to be deleted immediately. I know this for a fact as I still have all of my monthly statements. Moreover, XXXX and XXXX are not reporting a late on this account. This is more reason to believe Experian is making this reporting mistake. I will also be including a section of a recent report which shows how only Experian is making this mistake.

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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: On XX/XX/XXXX I received an alert from Experian that they removed a XXXX XXXX collections off of my credit report. OnXX/XX/XXXX I received an alert from Experian that they inserted a collection from XXXX XXXX. I never received a consumer noticed stating that they were replacing the collection back on the credit report. This is a violation of the fair credit reporting act.

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 07-10-2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing disputes

Complaint: I purchased an item from Best Buy using my Best Buy credit card. I paid the amount due in full on XXXX/XXXX/2015. The payment of {$100.00} was issued through my online services at XXXX. 
The account number for my Best Buy account had not been updated on my online services account with XXXX, so the payment went to Best Buy but to my prior account number. Best Buy now claims that I have not paid and my account is now in arrears {$240.00} because of accruing late fees. I have contacted Best Buy and they will not speak with you regarding this issue and refer me to their bank which is now Citibank. I contacted Citibank and submitted my proof of payment to their Payment Research Department. I continue to get statements saying the account is not paid. I spoke to " XXXX '' in " Escalations '' on XXXX XXXX and still the matter is not resolved. I have no way of resolving this because clearly the issue is inter-bank. I made a payment to Best Buy which was sent to my old account number XXXX and should be posted to my current account number XXXX, It is egregious that Best Buy offers no consumer protection to their credit card users as clearly they are the entity that could easily resolve this by having the payment credited to the correct account number. The continued billing and late fee surcharges have escalated to the point of harassment. I paid this account in full before its due date and yet I continue to be harassed because no one seems to want to do the work on their end to get this matter resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (LA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Reference ID XXXX Dear Chase, On XX/XX/XXXX, I bought XXXX XXXX which were supposed to XXXX XXXX XXXX XXXX XXXX XXXX, and correcting other issues XXXX, and XXXX. I made this purchase at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX. <P/>Unfortunately, the service which were provided were inadequate because they did not enhance my XXXX or the XXXX XXXX XXXX XXXX. However, they did leave my XXXX XXXX and the feel of my XXXX XXXX XXXX. Also, XXXX XXXX XXXX failed to meet the timeline we had agreed upon, the process took over 2 months. <P/>To resolve the problem, I would appreciate a refund of the total charge amount. Enclosed are copies of my records receipts and explanation of benefits concerning this purchase/repair. <P/>I look forward to your reply and a resolution to my problem.Please contact me at above address. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Unsolicited issuance of credit card

Complaint: I received a credit card and new account package in the mail from BarclaycardUS. It was addressed to me at my home address and had instructions for activating the card. I did not open an account or request a credit card account so I called to request that the account be closed immediately. Unfortunately, Barclaycard could not address the matter unless I provided my date of birth, last XXXX digits of social security, mother 's maiden name, and phone numbers for the account. I told the representative that I did not open the account and I refused to give them any personal information. They were not able to address the matter unless I provided this information. I asked to be transferred to their fraud department. That representative also requested the same personal information and I again refused. I told them I simply wanted to advise them that I did not open or request an account in my name. They told me they were unable to help me unless I provided the personal information. I hung up and filed this complaint.

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 07/22/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Rewards

Complaint: Citibank took away XXXX points that I earned as bonus to open a credit card with them, potentially worth {$500.00}, from my rewards points account without warning, and refused to reinstate or in any way compensate when I contacted them.

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 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not owe a creditor having this name. 
This is not my account and I do n't know why I have a credit to them starting XX/XX/2016. 
Credit Items XXXX XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (CA).
Issue: Problem with customer service

Complaint: After the XXXX hack I tried to freeze credit at the XXXX major agencies. 
I was able to quickly freeze at XXXX and XXXX but not at Experian. 
I used the online links I was given for the XXXX agencies. I tried multiple times but was unable to freeze credit. What should I do now? it is my credit and I can not freeze it? 
-XXXX XXXX XXXXXXXXXXXX

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 05-04-2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Fifth Third Bank claims I opened an account with them and when I asked for validation of this debt all they send me is statements. Any one can create statements and put anyone 's name and address on them. I have already had this account thrown out of court because the courts did n't recognize only statements as proof of ownership of an account. Fifth Third at that time could not provide a signed authorization from me to open an account, for the courts. Fifth Third says they have sold this fraudulent debt and therefore will not remove from my credit report, but the debt they say they sold is not mine in the first place and they wo n't provide me with the loan authorization that I would have to have signed if I indeed opened this account. I want this debt cleared off my credit from all parties, Fifth Third bank and any and all collection agencies they may have sold this fraudulent account to. XXXX XXXX from this company refused to give me the account number and was very rude to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Dear Sir/Madam, I have requested my annual report online like I do every year. Equifax tells me I am denied my free report and has asked me to MAIL them a copy of my social security card, my XXXX and my driver 's license copy. I am 100 % confident that I have answered all my verification questions with care and correctly! It seems like they are looking for the smallest reason to deny reports to consumers. I have contacted an agent who only gave further attitude and threatened to cut communications. I have an email saying my report is ready and I have an order number form Equifax. I successfully logged in to my account but all I see is buy now buttons! Nothing is free! Equifax is not letting me see my free annual report that was granted to every US citizen by federal law ( s ). I am writing to let you know that Equifax is being very aggressive and using everything not to let me see my free report. All they do is solicit me for selling their products! They are using my email to get me to log in to buy products from them! They are not giving me my free annual credit report! 
Thank you for your help and taking time to look into this issue.

Company response to consumer: Closed with explanation