milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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 sent letters to Equifax, XXXX and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXXI was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was XXXX XXXX XXXX XXXX Docket # XXXX. I was than told that was not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: disputed a bankruptcy that is listed on my credit report. It has been over 7 years and they continue to list it on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Credit decision / Underwriting

Complaint: XX/XX/2016 we were contacted by Freedom Mortgage stating we were pre approved for re-financing our current FHA loan. They stated that we qualified based on fha guidelines and that we would not be denied. We worked with them for 4 months and finally after XXXX loan processor changes and multiple hard inquiries on our credit history, it was submitted to underwriting. It was denied. They stated the reasoning for the denial as not enough funds to cover closing ( we had over {$2000.00} in escrow from our current loan, as well as money saved aside for closing ). They also stated we had to many past due or delinquent accounts on our credit. ( they knew of this XX/XX/XXXX as we had conversations about it but they said it was n't an issue since our mortgage was n't past due ever ). They also stated that FHA guidelines that pre approved us and qualified us were not in place anymore due to new administration and laws passed since the presidential change.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Transaction issue

Complaint: I did a kitchen install with Lowes in XXXX XXXX NJ, it was a very frustrating experience and after not getting resolution from the store I put in a revoked charge and reached out to the CEO in North Carolina. The store reached out to me and requested a meeting where they asked me to email them releasing the funds revoked. They spoke of compensation however did not mention an amount. I was uncomfortable releasing the full amount not knowing what the compensation would be. I expressed this to the store manager XXXX at the time. After a few days I received a letter from the bank letting me know the store had reached out to me and that I would be responsible for the full amount. I called the bank to let them know Loews and I did not come to an agreement and re issued the revoked charge. Now Lowes is letting me know they will not talk about compensation until I release the full amount. I have been working with XXXX in the Lowes corporate office to try and get this resolved. She has confirmed Loews wanting the money released before talking compensation. I feel releasing the money will compromise my negotiating power and would leave me in a vulnerable position.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: My identity was stolen XXXX XXXX and reported to authorities, 7 year freeze placed. 
XXXX XXXX reported XXXX inquiries to Equifax, all fraudulent. All other creditors corrected/updated information with XXXX credit bureaus but NOT XXXX. 

I disputed with Equifax and XXXX reported " inquiries are a factual record of file access '', which THEY ARE NOT. I tried calling both numbers provided by Equifax to contact the creditor in order to dispute the unauthorized access. First, called XXXX XXXX XXXX XXXX, referred me to ( XXXX XXXX XXXX, customer service stated XXXX XXXX was a credit card company and to contact XXXX XXXX XXXX XXXX. Both times I actually reached them, they hung up on me BUT not before telling me applications can only be seen for 60 days, so even if applications are fraudulent, can not be removed if made over 60 days ago. Unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with Colony Brands, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a pair of shoes from the merchant through a mail ordr catalog, Midnight Velvet ) a subsidiary of The Swiss Colony. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Late fee

Complaint: I am XXXX customer and having a hard time to contact the customer service via a relay service several times, but they keep hanging up at me because of a relay service.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: GM FINANCIAL RAN MY CREDIT TWICE WAS SUPPOSED TO SOLF XXXX AND XXXX  ERRORS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls on my cell phone from this debt collector. I do not have any debts outstanding now or from the past I have been receiving calls from a XXXX for over 5 months. I have the number blocked and they keep calling my cell phone. I have researched these XXXX and it appears to be a company called First National Collections Bureau. These XXXX are relentless from what I have read on the internet, it appears that the government has done little to nothing to stop these XXXX. I bet if these XXXX started to call the FTC or some other government agency something would be done to shut them down. So for now all I can do is be another complaint about a company that needs to spend some jail time and not a fine or slap on the wrist for harassment. Thanks XXXX from Oklahoma.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I would like to file arbitration against Scottrade. Scottrade has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.

Company response to consumer: Closed
Consumer complaint received 02/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: I purchased a product from a company and that company never delivered the product. I 've been trying to make a claim with BOA for this fraudulent charge. 
I 've called BOA 3 times and waited more than 30 minutes to make a claim. They are not answering their phones. There is no other way to make a claim with BOA. I 'm out of options and now feel that BOA is assisting in this fraudulent behavior through their business practice of NOT answering phone. I 'm currently on the phone for a 4th time, been transferred and on hold for 20 minutes and counting.

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My credit cards provide me with my credit score. My score has been steadily growing over several months now - there has been no new inquiries, my credit limit did n't change, and my debt amount has been decreasing by $  XXXX /month. Not only TransUnion shows incorrect Score to begin with, but it also provides different information to different cards, and it took it a step farther when it wrongfully showed my Score falling by  XXXX  points in  XXXX  and  XXXX . I placed several calls with them - got bounced around with no result whatsoever. Filed a complaint through   XXXX   XXXX   XXXX   ( one of my cards getting info from TransUnion ) - did n't hear back from them other. I can not find the way to get anybody to answer a simple question : why would my score fall by   XXXX   points with TransUnion if it grew by  XXXX  at the same time period with other  XXXX  agencies. Representatives appear to be completely incompetent and they do n't even try to help. All they do is trying to sell (!!! ) me my today 's Score info for {$9.00} - makes a lot of sense in this situation ... I do n't understand why the company that is an obvious jobs-outsourcing fraud has been granted access to the most crucial information on every American? And why our Government does not control their activities???

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 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NM).
Issue: Money was not available when promised

Complaint: I bank-wired {$3000.00} USD to Coinbase , Inc. on XX/XX/XXXX. They have not credited this to my Coinbase account, XXXX Their phone customer service does not handle this issue. 
Their online customer service has been entirely non-responsive. case XXXX. 
I confirmed by phone with XXXX XXXX XXXX that the wire was received.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX SETERUS, INC has their insurance agency XXXX XXXX sending multiple letters ( this year to date XXXX already ) regarding condominium insurance information they have already had for weeks. The condo assoc master insurance policies were submitted more than one month ago, they are a loss payee on my XXXX policy, and the condo insurance agent spoke to them on the phone and was told all was resolved on XXXX XXXX ( XXXX attachment ), yet they continue to send more letters.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to check my credit and it said that CBNA did a hard inquiry on 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 07/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On   XXXX   XXXX  , 2017 a staff person at my place of employment handed me my paycheck as it could not be direct deposited for this payroll cycle. However, it is set up for direct deposit going forward. The other employee was in error and was supposed to give it to my Director to give to me on   XXXX   XXXX  . I was informed only today   XXXX   XXXX    of this error. I have a copy of an email that confirms this from my Director. However I deposited the check via Chase mobile on   XXXX   XXXX   after  XXXX  and received an approved message.A day later the deposit was reversed and my account incurred service charges. I now have been informed that the check is being held to   XXXX   XXXX  . It was dated   XXXX   XXXX  . I did not check the date of the payroll check because I have never received a paycheck I could not deposit right away. Chase mobile dud not catch it either. This incident occurred through no fault of my own. I would like all service charges reversed and funds released now. I also want all negative reports on my account and to any credit agencies,  XXXX , and   XXXX    relates to this incident removed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2017 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: US Bank has failed to ivestigate inaccurate charges that are listed on the attachments. 
The lied about faxes sent in relation to the charges. They claimed to of never received them despite fax receipts. 
The failed to provide documentation as to why XXXX was denied without any reason. The reason is it wasnt a vaild charge. 
I am happy to part ways with US Bank but on equal terms. They must credit me XXXX to card ending in XXXX. 
If there is a surplus on this card, it can transfer to to another US Bank card. 
I plan to pay them in full once the disputes are resolved.

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 08-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I told Wells Fargo these transactions was n't me and someone took XXXX Out my account I made a fraud claim n you denied it and it s unfair and ca n't afford this. I should be protect by the bank n the insurance .. this bank is no good

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 10/23/2017 about Mortgage (Conventional home mortgage) with VERITAS FUNDING, LLC (UT).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX I received a yellow card in the mail telling me to call an XXXX XXXX number immediately about a closing on a mortgage with Veritas Funding. I got the mortgage in XXXX of 2015 and it was sold to XXXX the same year. It has also been sold by XXXX to XXXX mortgage. When I called the XXXX number it had me enter a mortgage id number and the dropped my call. As a result, I called Veritas directly and was told that is looked like fraud. They had me scan the card I received and reported it through their company. I have not noticed any fraudulent charges on my credit cards and have a credit freeze on my credit bureau accounts. Veritas also verified that the XXXX number on the card is not their XXXX number. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX/XXXX/2016 I contacted Equifax because the verification information they provide to IRS was incorrect. I needed to request my IRS tax transcripts and it asks me to verify my telephone number. I learned through the phone call and pulling my credit report that Equifax has/had no phone contact information listed for me. They also had no employment history even though I have worked for the last 17 years. I was able to provide an update for my employment history, but not my phone contact. Please note upon pulling my report during the call using the Equifax website, XXXX and XXXX have all of my current information. I was informed by several representatives that in order for phone/contact information to be added I had to contact my creditors and they would have to correct the information. I asked which creditors could up date this because it appeared that of my XXXX or so creditors, none of them reported anything about me in the last 17 years.The rep stated that all of them could. I asked for equifax 's contact number so that the creditors who could do this I could provide them with contact information ; I was informed that they have the information needed to correct this information.Additionally I was told that I would have to place a fraud alert in order to put a phone number on my credit account and fraud alerts only lasts 30 days. I called XXXX XXXX, XXXX credit, and XXXX XXXX. All XXXX informed me that they report the same information across all credit bureaus every 30 days which includes my employment history and contact information. Each creditor stated that do n't call the credit bureaus directly, that everything is done through the system. They each verified that my phone number, address and employment was up to date and was submitted to Equifax as late as XXXX/XXXX/2016 in one instance. XXXX XXXX made an exception and resubmitted to Equifax XXXX/XXXX/16. I called Equifax back with XXXX XXXX on the phone and was informed informed that there are no alternatives. I asked if there was someone there with technical expertise because it seems impossible that no one submitted any information to the credit bureau. I asked if maybe there was something that is not getting loaded properly, and I also asked for a supervisor at that point the representative hung up the phone. I also attempted to dispute names that I never used and was n't able to do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: i have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX 2016. i have submitted several disputes to the credit bureau about these accounts do not belong to me. They keep submitting response back that they have validate these accounts. I have requested over Several times for them to send me verification as to how they validated these accounts were mine and accurately? I have requested documentation of my signature on these inaccurate accounts, if they can not provide that then to delete these accounts from my credit report. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit file. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.

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