milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with Ditech Financial LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ditech has repeatedly called this number over more than 9 months, despite repeated requests to remove the number from their records. The number is a business line, and the person they are looking to speak with does not work at this company.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: never opened an account which was indicated on report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On all   XXXX   credit reports, ( and this is the second time this has happened to me  ), I am car shopping and they are only supposed to  run it through a maximum of  XXXX  companies and it continues to be ran through multiple agencies until I have a tremendous amount of inquires for several different financial institutions.  XXXX   XXXX  this time and there was a great deal through  XXXX  last time that were never removed. Do n't they have to have permission to send it through that many people?? I did not authorize it and it is ruining the credit I was trying to build. Please let me know.      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   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  F there should be a max of  XXXX  on there. I allowed  XXXX  from  XXXX ,  XXXX  from  XXXX   XXXX  and then I ended up buying a car from   XXXX   XXXX  . How do I fix this???

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 01/28/2016 about Debt collection (I do not know) with McCarthy, Burgess & Wolff, Inc. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This company somehow not only received my personal cell phone number but my parents, friends and family members. They call every day and if I do not answer they call all of my family members. They are threatening me with a lawsuit to show up in court for a outstanding bill that they wo n't tell me what it is ... They are extremely rude and hostile on the phone. They will not give me any address or location. I have spoken with in-house legal and they told me to report it to the FTC. 

They say they are a law firm McCarthy Burgess & Wolff but are a debt collection agency. I have ZERO debt and my credit report is rock solid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent Equifax numerous disputes about this incorrect public record on my report i have ask them to provide me with verified information that this account belongs to me. And they have not provided me with any information nothing at all. Just a letter stating they verified. But no documentation proving that that particular account belongs to me. I have contacted the court in question and they stated they did not provide Equifax with any information. I sent that along with my dispute and they did nothing no reply.Therefor they must delete this wrong and incorrect public record account off my credit report. It is against the law to report inaccurate information on someone credit file and i demand they fix it and remove it from my report. I have included the same documents the court sent me as proof in my complaint. I also included identification with copies of both my Drivers Licenses to provide verification I am truly this person and would like swift fashion in removal of inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Union Pacific Financial did an escrow analysis and they calculated my taxes about {$820.00} more per year. I have called them several times to get this issue resolved. Faxed the County auditor 's page that shows my property tax amount XXXX and finally after speaking with several people they are finally reviewing my request for an adjustment. My payment went from {$1000.00} to {$1500.00} because of their negligence to accurately review the amount for the escrow. There customer service representative are rude and do n't care about helping the client and getting the issue resolved. I have to call almost on a daily basis to make sure this issue is resolved and they calculate my monthly payment correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received a letter from  Chase s tating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on m y Amazon MasterCard. Th ey cited other accounts that have nothing to do with my great standing  with Chase. I worked at length to pay down my balances and I 've never been late on my payments and alw ays maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Fees

Complaint: I tried to use XXXX prepaid American Express cards for {$60.00}, {$10.00}, and {$10.00}. The {$60.00} was credited for {$44.00} and the other XXXX were declined. I called American Express and was told I had been charged their $ XXXX. fee 5 mo. after issuance. I said there was a law against that in the State of Washington, but the rep said there was no such law. The required statement and font size appear to be satisfied on the cards, but I do not believe the other criteria in XXXX XXXX are met. The only exception might be the 24 months of inactivity on the XXXX {$10.00} cards, although I ca n't confirm the issuance dates for them. The {$60.00} card was issued in XXXX, 2013. The cards were issued as rebates for XXXX merchandise. Am I interpreting the code correctly? Were these fee charges legal?

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Please be advised that I see no other recourse but to file a complaint against XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued XX/XX/XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XX/XX/XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, Equifax states a XX/XX/XXXX deletion of the account, XXXX states an XX/XX/XXXX deletion date and XXXX states a XX/XX/XXXX deletion date. In essence, XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval XX/XX/XXXX. I am well within my right on such a request. XX/XX/XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: i have been trying to get a hold of someone at coinbase about my account access for 4 days now, i have used their self serve password reset tool and each time it tells me i 'm trying to reset from an unverified device which is not true but whatever and it says for my security i have to wait XXXX hours to access my account, it 's be 4 days and i have tried repeatedly to reset the account and no email, no tech support, no response. it 's as if this company is dead. I have over XXXX dollars in coins in there and im unable to access my account. I just want my password reset, it could all be so simple but not with this company. I 'm ready XXXX XXXX up to san francisco and walkin to their office to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This alleged debt came to my attention when I was reviewing my credit report as I rarely apply for any credit and was unaware of this negative account. I did file a dispute directly to " Pinnacle Credit Services '', as well as, XXXX XXXX whom initially created this account for someone other than myself. I have never recive any documentation or validation of the account from either Pinnacle Credit Services or XXXX XXXX. Please validated this account as follows : 1. Any and all documentation supporting these creditors claim, including, but not limited to, the contract creating the obligation and any and all statements or invoices created as a result of this account.

2. The nature, date, and amount of the alleged debt. 
3. The current balance you claim is owed.

4. The name, address, and telephone number of the original creditor and applicant that applied for this account.

This ( 1 ) account is being posted as ( 2 ) negative entires on my XXXX and XXXX account by both Pinnacle Credit Services and again by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed this acct XXXX XXXX XXXX several times with Equifax. Each time they say it 's verified. But when I ask them to send proof that this is my account. They never do and they tell me they do n't have to verify this account. By law states that I have a right to see what was verified. This item is dated XXXX/XXXX/XXXX That was 7 years ago. I just got a copy of my updated report and this item is still listed on my credit report as of XXXX/XXXX/XXXX. XXXX is a very bad company and already have several complaint with the BBB. They do not do fair practices and I want this item removed immediately. And I will be contacting an attorney to move forward with a lawsuit against XXXX XXXX. In the meantime I want this company investigated for unfair practices, and I want this item removed immediately. By law this item can not stay on my credit report past 7 years. They know this yet they continue to let this stay on my credit report. Equifax investigated this item and took more than 30 days to get back to me. Equifax is just as bad as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan through Wells Fargo and I am unable to set up an automatic payment each month for more than the minimum payment. Is there anything I can do about that? I have student loans with other companies who all allow additional payments to be automatically scheduled. It makes it easier to be regularly financially responsible by paying more than is due to decrease the total interest I will pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RGS Financial, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account does not belong to me. I have no knowledge of it. I have submitted complaints the last time they tried to collect it two years ago and it was deleted from my credit report. I have an ongoing ID theft issue with plenty of reports including local police departments in the FTC. this collection companies repurchasing old debt resold to them by other collection agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a settlement offer from Transworld Systems Inc for {$0.00}. I called them to take the offer and was told they wanted me to fax the offer to them for review. I faxed the letter on XXXX/XXXX/2016 at XXXX. I called to confirm they received the fax. I was told they did and to give them 14 days to review the letter. I called back on XXXX/XXXX/2016 to check the status and spoke with XXXX XXXX. I was informed they never received the fax and to resend it. I resent the fax on XXXX/XXXX/2016 at XXXX. I was told that Transworld Systems Inc will not be honoring that offer.

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. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Application, originator, mortgage broker

Complaint: I have gotten a divorce and my ex had taken out XXXX credit cards using my financial information. They want me to get her name off the mortgage now. Last XXXX I started that process with Bank of America who holds my mortgage, while my credit was still up. They closed the process on me in XXXX with no notification at all.. I then had to go to getting a Loan Assumption because the credit cards the ex had gotten and not paid were now dropping my credit below XXXX. Bank of America told me credit rating was n't an issue with the assumption since I was already on the mortgage. They were more focused on ability of repayment, which my attorney, work comp, and Long Term XXXX carrier all sent necessary papers covering that. Then Bank of America sent me a denial letter stating my credit was n't good enough for them. They lied to me. I am about to lose the only home I have and worked for, for 30 years. My ex is trying to force it to be sold to make me move. I just had back XXXX in XXXX and XXXX XXXX XXXX XXXX XXXX, 2016. My granddaughters live across the street and my wife ran off with my best friend from church. I only have a short amount of time to get this done before she has the judge force me to sell. I just need her name off the mortgage and to assume the loan, which I was told would not be an issue then they lied and denied me. Bank Of America has been penalized here in the recent past for their wrongful and unethical loan & mortgage practices, and it seems they are at it again at the expense of us poor XXXX Veterans and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with Comerica (CT).
Issue: Making/receiving payments, sending money

Complaint: See attached document regarding the mis-handling of bank account, excessive amount of time to take care of customer via customer service and denying fraud complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a letter from XXXX XXXX showing an account TransUnion reported as " verified '', in fact is not mine. I went to re-submit a dispute online and they would not let me submit my letter supporting that the account is not mine. Furthermore, they continue to report inquiries that are unauthorized, fraudulent, and do not meet fair use requirements. 
Here is the inaccurate data on my credit report : XXXX XXXX XXXX XXXX XXXX Other : You have repeatedly reported this as " verified ''. I now have a letter from XXXX XXXX & it is n't my account. 
XXXX XXXX XXXX XXXX/XXXX/2015 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use

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 08-04-2015 about Debt collection (Auto) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my credit report and there was an account from consumer portfolio which I never had I have made several attempts to get this resolved but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I call then XXXX XXXX in 2013, after losing my job, to get a loan forbearance or something to postpone payments until I was able to get a job and get back on my feet. I was told by the representative that I had negative income and they could not help me. I luckily found a job a few weeks later, but I am not cut 20 % of my pay do to the current XXXX. I talked to now Navient last night about my current situation and they tell me I have enough disposable income to make their payments. So she told me that there was nothing they could do to help me. They would not listen to the medical bills I have accrued within the last year that I have to pay, but they are not a monthly expense, so they would not take it. I am currently two months behind on my vehicle note and one month behind on my mortgage. I am consistently behind on something every month so that I can try to catch up another. I can not ever get any help from these people. They always put it on my co-signer, who makes substantially less than I do. She used to help out when her husband worked XXXX, but now they both make just over mininum wage with their own bills to pay. My total bill keeps growing. Originally I owed {$21000.00}, now that has grown to {$32000.00}, with no end in site. I also have a recent federal consolidation loan through Navient ( $ XXXX ). And a prior student loan that I am paying to a collection agency for a company that went bankrupt called XXXX XXXX XXXX ( $ XXXX ).

Company response to consumer: Closed with explanation