milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( Equifax ) inquiry was made on XX/XX/XXXX ( XXXX  ) 4 inquiries from XXXX card alone! 

XXXX/XXXX XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( XXXX ) XXXX - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I applied for an American Express Platinum card on XX/XX/2016 that included a new account opening bonus of XXXX membership rewards points after {$3000.00} of spending in the first 3 months. I satisfied these requirements on my account and XXXX points were awarded to my account on XX/XX/2016. On XX/XX/2016 there was an adjustment made to my account and American Express removed the XXXX points from my account. When I called, they said some of my purchases did not qualify. I complained that they should have let me know that within the first 3 months before awarding the points and giving the cardholder the impression that all requirements were met. By the time they made the adjustment to my account, it was over 4 months after the account had been opened and outside the first 3 months for the offer. They refuse to grant any sort of extension. The only option they gave me was to file a complaint with their rewards department which will take 6-8 weeks for a decision. If the outcome is not in my favor, I would want to cancel the card however they only allow 60 days for a full refund of the {$450.00} annual fee. After the 60 days it is prorated, so as I am waiting 6-8 weeks for a decision, I will receive less and less of my annual fee back if I cancel the card. American Express is acting irresponsibly by holding the cardmember at their mercy. They entice you to apply for their card with an attractive offer, use a technicality to void the offer AFTER the bonus period, and then continue to hold onto your money while they review your case. I 'm appalled that they can get away with these practices, especially on a premium credit card with a high annual fee. I would like American Express to reinstate the points that they awarded me or refund me my full annual fee if they do not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BARCLAYS BANK DELAWARE (MA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Never had payday loans, never any mortgage but XXXX and XXXX 10yrs plus, one credit card in ten yrs XXXX  XXXX, one student loan 2016. This is all I 've had in ten yrs. 
Also I was denied for drugs alcohol n theft from work supposedly. I have never done a drug test for work and I have never stolen. XXXX says they do n't have info. XXXX trust out of XXXX main main office pulled back ground and has a ton of abnormal inquires n accnts I 've never heard of. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, other mortgages unknown to me, XXXX, XXXX XXXX, XXXX XXXX, tons out of FL, tx, ny, ok, mo, nv, ca, I mean every other state but mine mass. My family and I have been recent victims to identify theft. I need help clearing this from my file I have never ever been in this kind of situation I need help please.

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 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: MY REPORT REFLECT DIFFERENT VARIATIONS OF MY NAME, I WANT MY CORRECT NAME AND CORECT ADDRESS REFLECTED SINCE I HAVE A VERY COMMON NAME.

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 05/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: Applied for a refinance of our mortgage with Wells Fargo Mortgage department with XXXX XXXX, Home Mortgage Consultant - XXXX ID XXXX. I submitted all the paperwork with the help of my husband and then XXXX said that we could use the previous appraisal. That was on XXXX XXXX, 2016. We waited 2 weeks then he said that it was in some committee and they were deciding IF it could be used. I told him let 's just get a new one. Another week went by and still no decision so we contacted his manager XXXX XXXX. XXXX did n't get back with me and when he did he said he " forgot '' to contact XXXX. We never heard why they could n't use the old appraisal. On XXXX XXXX, 2016 XXXX said he would order a new appraisal and to contact him if we did n't hear from anyone. We contacted him on XXXX XXXX, XXXX XXXX and XXXX XXXX and each time he said he would escalate it. Today I told him we want to speak with XXXX XXXX 's manager. XXXX refused to do so and wrote the following " No need to be rude. I am trying to get this handled just like XXXX is. I thought you were asking me for his information again. '' Yet he never gave us that information. XXXX XXXX was cc 'd on the e-mail and never reached out. We called his office and his cell. No return call. His cell 's voicemail was full. XXXX is no longer reaching out to us and our 60-day lock expires on XXXX XXXX. We still do n't anything about getting an appraisal. Our fear is that because interest rates have risen they are trying to stall so we 'll have to pay a higher rate. We think so because XXXX kept pushing us to get a 30-year loan with a higher interest rate rather than the 15-year loan. Interest rates have risen. We are 34 days into a simple refinance and we are still getting the run around. We escalated to their " mortgage escalation department '' and XXXX XXXX said he would look into it on XXXX XXXX, 2016. He called on XXXX/XXXX/16 and just said he would contact XXXX and XXXX, which obviously, was n't going to help. XXXX XXXX would n't give us XXXX XXXX manager 's name either and did n't return our phone call on XXXX/XXXX/16. We still hope to close and just would like a new mortgage consultant to take over OR for someone with a higher level within the company to supervise them and allow us to close on or before XXXX XXXX or give us an extension on our lock date.

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 12-12-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Applying for a mortgage

Complaint: XXXX XXXX XXXX XXXX California ) and their collection agency, Wells Fargo Home Mortgage ( Iowa ) are attempting to collect through a fabricated XXXX XXXX application which was DENIED in XX/XX/XXXX, by a fabricated foreclosure filed XX/XX/XXXX. My property at XXXX XXXX XXXX XXXX, XXXX, IL is paid in full and the application for mortgage was for rehabs at XXXX and XXXX XXXX XXXX, not my premises. Documents were switched to my property, using blank, undated, un-initialed, robo-signature and ID theft to open 12-215 unauthorized accounts in my name with out my knowledge or consent, and unjustly enriching bank by retaining the proceeds..Each time I settle on one account, they try to collect on a new account number. Wells Fargo is engaged in a fraud, scam and elaborate con-artistry in which an agent informed me they collect on fabricated defaults to match bogus, fake notes and foreclosures from federally backed insurance for as much as {$200000.00} to $ XXXX for each account, amassing from $ XXXX {$4.00} XXXX. property costing me only {$100000.00}. Wells Fargo targets the most vulnerable of society, XXXX-Americans, XXXX, females, elderly and XXXX - all of which I qualify. I borrowed no money, never had a closing, never received any proceeds.

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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau Equifax, XXXX, XXXX all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 3rd party authorization in place to handle this on behalf of the owner, XXXX XXXX XXXX. I am her Realtor and she has granted me and submitted to Chase Bank, this 3rd party authorization. She was in arrears on her mortgage with Chase. She worked diligently with them and filed bankruptcy and it was all straightened out in XXXX 2015. The HOA had a lien against her in the amount in excess of {$7000.00}. Chase paid it off and this took it out of foreclosure status. However, on XXXX XXXX 2015 she received notice that the house still went to foreclosure sale and she no longer owner the property. She contacted Chase, who continued to tell her to do nothing - her mortgage was fine and they paid off the HOA. She recently suffered XXXX XXXX, is XXXX and spent 30 days in the hospital and rehabilitation center. When she got out, she arrived home to find an XXXX County Judge approved the locks be changed on her home and she could not access it. She was told the foreclosure took place in XXXX 2015. She has never received any constructive notice of a foreclosure, has no second mortgage and Chase continues to insist they have the current mortgage in good standing. She has attempted to get Chase to look into a possible improper foreclosure but they say they do n't have the ability to escalate it since it is current. She is without a home and all of her belongings are locked up in a house she is told a judge wo n't let her into.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit card () with DISCOVER BANK (NV).
Issue: Late fee

Complaint: Discover Card has a period between the due date on the XXXX of the month and the end of the billing cycle on the XXXX where they will charge a late fee on the card, but they do not credit the payment towards the next month. If your payment arrives on the XXXX of the month you are charged a {$35.00} late fee, but they do not credit you towards the next month 's billing cycle. If you pay the XXXX on the following month you get another late fee because the payment from the previous month is not on the new month and the payment is considered late again. This will continue to happen until you make a payment after the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I have wired XXXX on XX/XX/2017 to Coinbase. Still have not see money deposite to my Coinbase account. I have email to them many times. Feel those reply is by computer. Not real person. Msg to Coinbase employees XXXX on rebbit, no reply. I create case # XXXX I have they will solve this problem ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Savings account) with WEBSTER BANK, NATIONAL ASSOCIATION (DC).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Since the beginning of XX/XX/XXXX I have been trying to close my XXXX account. First I called for my balance and immediately deposited a check for that exact amount in my checking account. Little did I know a charge of {$2.00} for maintenance was pending. That caused the check to bounce despite them saying they would reverse the fee and it would n't happen. I also got a bounced check fee of {$12.00} from my bank ) as well as a {$30.00} fee from the XXXX account. Then they said to do it electronically but the amount in the account was over the threshold. I had to write a letter but it kept adding to the time it was and is still has n't closed. Finally after complaining, they called me and said they would wire the funds. They called two hours later saying it was too late in the day to do it. As both my bank and theirs was still open, this is further example of them jerking me around. No one should have to go through this hassle to close an account. The bank is XXXX XXXX in XXXX, WI

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Consumer Collection Management. Inc (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Upon recently viewing my credit report I saw a collection account from Consumer Collection Manangement.  However, after reviewing my records, I was unable to nd any documentation of any contractual relationship between Consumer Collection Management and me which makes them a person entitled to enforce a commercial claim against me. On XXXX/XXXX/XXXX i mailed XXXX a letter advising them i had no knowledge of the account. This company responded providing me with account statements that had the dates whited out and deleted making it impossible for me to cross reference the dates and amounts owed against my records. I plan on filing a complaint with the Attorney general and Federal trade commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, including me ( verified by their online tool ). Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017 I made a payment to Navient for XXXX. I received a payment notification that all was fine, and that my first payment was successful. I then receive a letter 4 days ago saying that my payment was overdue. I just checked my account and they reversed my payment without notifying me, when there were ample funds to cover the payment. Worst of all, this was reported to the credit bureau and it absolutely tanked my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Incorrect information on your report

Complaint: XXXX XXXX XXXX reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late and this and untrue and fraudulent. My XX/XX/XXXX payment was paid on XX/XX/XXXX due to health issues with my husband. 27 days does not equal 30 days late. Since then I have paid my mortgage ahead of time to prevent missed payment when life circumstances arise. Select Portfolio states that XX/XX/XXXX was reported late to the credit bureaus because I was late in XX/XX/XXXX this is vengeful and fraudulent. I sent Select Portfolio several payments since XX/XX/XXXX that were well over my monthly, mortgage obligation. I do not understand how I can have a 30 day late when I usually pay more than what is owed. I will like the 30 day late removed from my credit report for XX/XX/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 11-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am requesting an investigation because there is Public Record Information on personal credit profiles that is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. As it is understood that the credit bureaus have retrieve my information from a third party entity without my authorization, I am entitled by my consumer rights to have the full contact information and ID that they have " verified '' this information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have contacted the the Bankruptcy Court and they have confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I took out a personal student loan with Navient formerly  XXXX   XXXX . I have continuously made payment arrangements. Most of the payments were made. They keep calling me ALL day long. I do n't answer, then they call from another number. I have lost count of how many calls a day I receive. I get calls on Sunday and I know they are closed. I am sick and tired of all the harassment. I feel that I can not live a normal life because they are always ringing my cell phone. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have numerous unauthorized and fraudulent accounts listed on my Experian credit report. I have sent XXXX police reports in regards to the unauthorized accounts, but the accounts is listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U.S. Dept of Education/XXXX, U.S. Dept of Education/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX 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