milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a medical bill from XXXX. wakefield popped up on my credit reported I do n't know who Wakefield is I paid XXXX in XXXX, Ms ,

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 06/22/2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (CA).
Issue: Problems when you are unable to pay

Complaint: Gateway One Financial - Sent a field agent to my home on XX/XX/XXXX while my account was XXXX XXXX along with placing calls to my place of employment after the advisement of no calls we to made to this location. Communication outlining these complaints were sent to Gateway One Financial XXXX/XXXX/XXXX and as of XXXX XXXX, XXXX there have been no response, just calls to numbers that have been advised as a DO NOT CALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet XXXX XXXXs still reporting false information inwhich I'm demanding be deleted from my current credit report.

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 08-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Payday loan) with Hewitt-Capital (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This company has called me from a block phone number twice yesterday and to my mother home phone leaving a name and phone number only, when I called back a lady named XXXX answered the phone and said someone would have to be at home for paperwork to be delivered there and that person must show legal id and also called a reference and left the same message while still calling from a blocked phone number. I called back to the phone nimber listed lady name XXXX answered the phone amd said the company name is XXXX.When I asked for XXXX to transfer me the phone when to a guy that would give me a phone number to call nor address and told me he was calling from XXXX.when I tried to look up these companies online did n't give me any information and the phone number they called from I could n't get answer back after I called and left voicemails. I called today to company that I had the debt with XXXX they gave me the phone number to debt management partners then when I called them I got the phone number to Hewitt capital and a young lady named XXXX told me the account was locked and she would n't answer any questions nor traffer me to anyone she got my contact information and no one has called back yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have a Coinbase account and when I deposit money into it, it takes seconds. Trying to withdraw can take hours or days lately. Still waiting on .XXXX ( {$1400.00} ) to arrive the account I transferred it to. Coinbase said it only takes minutes for transactions, sure, if you are putting money in.

I contacted Coinbase and was told there was just a backlog ... but its costing consumers like myself a lot of money. As soon as this transfer is complete I will be closing account.

Hopefully someone will investigate Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: PLEASE HAVE EQUIFAX RE-INSE RT TWO CRED IT ACCOUNTS RE-INSERTED BACK ONTO MY CREDIT REPORTS, AS PER CREDIT FURNISHERS REQUEST.     RE-INSERT :     XXXX   XXXX    AUTO LOA N NO . XXXX -DEL ETED FROM CONFIRMATION NO.   XXXX    DATE D   XXXX ,  2014 IN  ERROR AND   XXXX   XXXX   XXXX    XXXX  DELETED FROM CONFIRMATION NO.  XXXX   DATED   XX/XX/2014 .      THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I did n't give written authority

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 03/18/2017 about Bank account or service (Checking account) with U.S. BANCORP (UT).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2017 my son went to the ATM to deposit {$600.00} in money order and {$59.00} cash. The machine only took the {$600.00} and {$30.00} cash and he went to the counter to deposit the {$20.00} cash. I checked my account and nothing was posted. I went to the branch and they said nothing was out of order. I have my money order receipt for the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing this complaint becau se   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify 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 this manne r as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX I was sent an account number from what I thought was a friend to deposit my insurance check into his account. I went to Wells Fargo to do the deposit, but when I arrived the teller informed me that I could not deposit my {$12000.00} 3rd party insurance check into his account ( I am not listed on this account ) without him being present. After the teller spoke to the Manager, she got approval and did the deposit anyway. 

Turns out, the person requesting the money is a scammer. I have been in touch with the bank since Thursday, XX/XX/XXXX, where they immediately froze his account due to suspicious activity. The manager is saying there is not much he can do about getting my money back and the more time passes, the more likely it is that the funds are mailed to the guy listed on the account. I have called several other Wells Fargo branches and each Manager states the deposit that the branch allowed is not in compliance with their guidelines, policies or procedures for that amount of money because the owner of the account was not present at the time of the deposit. After speaking with the manager, he agrees a mistake was made and the deposit should n't have been allowed. I have contacted the police, but they can not help. 

They funds in the account have a hold on them and the account has been frozen. I just want wells Fargo to reverse the deposit and void the check or mail it back to my insurance company or myself. The transaction should not have been allowed.

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 01-06-2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: Fifth Third Bank made an unauthorized withdrawal from a checking account solely in my name to pay off a loan that was solely in my wife 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Repeatedly I have asked that certain items on my credit report be corrected or removed. This is affecting my credit score and rates of interest being offered by lenders! I have asked the erroneous addresses on my report be removed .I asked that incorrect items that are being reported by lenders/vendors be investigated and corrected, They are : XXXX for {$1000.00}. I changed to XXXX after there was interruption in service due to the weather conditions, but XXXX kept their service going even after I requested it to be turned off. XXXX also kept billing me for a number I had already transferred to XXXX. XXXX staff was paid for service. I asked for them no to deposit the checks I left until next day and I had a chance to transfer funds between accounts. 
Equifax has NOT responded to my request for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 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 my credit file from XXXX/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and XXXX Confirmation number XXXX investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX credit and is now called XXXX XXXX XXXX XXXX for XXXX tire in XXXX XXXX Michigan for XXXX XXXX and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from XXXX as well as XXXX and Experian , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that XXXX, XXXX and Experian should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my XXXX file and she stated that the closing date is not in their system but the last activity XXXXI know this account is more than XXXX XXXX old.Therefore, XXXX investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.

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 09/28/2017 about Debt collection (Other debt) with FIDELITY CAPITAL HOLDINGS, INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX I was contacted through mail by Fidelity Information Corporation dba of Fidelity Capital Holdings , INC, XXXX XXXX XXXX XXXX, CA XXXX, about a debt they accused me of owing to XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX. The alleged debt was in the amount of {$740.00} to an account referenced as No. XXXX. I do not believe this debt to be mine. 

In response I sent a letter via Certified Mail asking for validation of this debt on XX/XX/XXXX. The letter was signed for and received by what appears to be a " XXXX XXXX '' XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. 

Fidelity Capital Holdings , Inc having received my letter requesting validation continued to contact me via mail. A letter of " Delinquent Account Notice '' was written on XX/XX/XXXX. Followed by a " Litigation Notice '' threatening a lawsuit, damage to my credit profile, and my ability to rent or finance in the future on XX/XX/XXXX. I never received any form of debt validation and have continued to be harassed by this agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (MA).
Issue: Account opening, closing, or management

Complaint: Is sold an item on Ebay and Paypal charged me a XXXX percent fee but I called customer service and they told me that Paypal does not charge a fee for items sold on Ebay. Ive been a loyal customer with Paypal for over XXXX years and will like if the please have the courtesy of resolving this issue by refunding he XXXX dollars charged fee or I will be selling my items on XXXX again and use XXXX payments and XXXX wallets instead of Paypal.

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 10-02-2015 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I am a single mom of XXXX small children. Out of desperation I took out a loan for {$970.00} to catch on bills. I have made XXXX payments of {$340.00}, due every two weeks to pay it back. I knew I was getting close to paying it off so went in the system to check it out. Everything let me to believe the payoff balance was {$1300.00}, this would have been my last payment. What I found has left me speechless. A loan for {$970.00} is showing a payback of {$9400.00} with apr at 868.3411 %. Are you kidding me? Is this even legal? When I called they simply said I could to an early payoff of {$1400.00}, not a problem except I 'm paying {$680.00} every month towards this loan and will never have the money to pay it off. How is this possible? It is robbery! This company is scamming people and making tons of money on doing so. I have no problem paying back a loan but anyone can see this is not acceptable/ethical and they must be stopped. The loan payment documents were not clear or I would have NEVER taken it to begin with, nor would anyone else in their right mind. I have read so many reviews and they are scamming people all over the world. This in hopes that they will be stopped from taking advantage of hard working Americans and hoping that I can find a way to rectify so that no further payments are deducted from my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/2018 I have been paying interest only on my HELOC ( BofA ). ( background information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX. They said the term is up and from my XXXX monthly payments ... it will now go up to {$270.00}. a month. 

I asked for a remodification of the XXXX owed. They sent me paperwork for NOT JUST MY HELOC ... but also for my first mortgage. Which I never asked them to do! 

Now I'm getting phone calls and they hang up on me when I try to respond! I will borrow the {$270.00} they ask for ( due XXXX XXXX, 2018 ) ... but am trying to find an outside loan source in the interim to get RID of this company. 

Are all XXXX XXXX  treated this way by Bank of America??

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 02-06-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to XXXX and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015.

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 09-01-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: The following items were non receipt/unauthorized, though given sufficient evidence and back up, I am still being held for the following charges : Transaction Amount : {$4300.00} Dispute Amount : $ XXXXMerchant/Description : XXXX Dispute ID : XXXX Amount : {$2200.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX XXXX Dispute ID XXXXTransaction Amount : {$4900.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX Dispute ID : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report as well as the corresponding inquiries : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX BANK Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX , XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief