milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: One of the issues I have is my mother 's name is coming up on my credit report as if it were mine. We have the same name however XXXX. She has been deceased for 5 years now, however it is showing up. 
Another issues, is there is tax lien information coming up and the status is showing as paid. 
And lastly, I have school loan companies that are showing up as accounts I have, however I 've consolidated my loans and now only XXXX provider is handling my case, but the original providers are showing up as accounts ( with no dollar amount ) I 've had and they never really handled my case. How can I get those accounts off, when I no longer have any ties with them. 
Any information you can offer, will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 filled a inquiry with Experian in reference to an unauthorized credit inquiry that i did not do on XXXX/XXXX/17 with XXXX XXXX/XXXX XXXX. Experian sent out the investigation request and answer was to be given back in 30 days showing that i authorized XXXX XXXX/XXXX XXXX to pull a credit iinquiry, they did nit respond, Experian gave them another 30 days and yet again XXXX XXXX/XXXX XXXX did not respond, so the inquiry was removed off my credit report. I received a copy of my credit report showing that XXXX XXXX/XXXX XXXX is back on my credit report for the same inquiry date. I did not authorize that inquiry, i do not have an account with XXXX XXXX and i was not notified that it was going back on my 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 02/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have been residents of XXXX XXXX all of our lives and want to spend our retirement years in our home. We have done everything we can think of to resolve matters with our mortgage servicer, your company Nationstar mortgage, but our pleas for assistance have been ignored. We are being forced out of our home because Nationstar Mortgage can not get their process together and are failing to communicate with us properly. The servicing of our loan was transferred to them from XXXX Mortgage, but the payments we sent to XXXX XXXX Mortgage and to Nationstar Mortgage was never applied to our loan. Further, Nationstar Mortgage will not speak to us professionally regarding our mortgage and the problems they created. We are in a situation where they are going to take our home away through foreclosure, but it is n't our fault. We are hoping that you could reach out to Nationstar on our behalf and get them to speak to us. We just need a push, not for you to get involved, unless you are will to do so. 

The problem started the end of 2011 when my loan was transferred from XXXX XXXX to Nationstar Mortgage. During our time with XXXX XXXX the service was perfect, but once Nationstar Mortgage took over our mortgage issues began and now has turned into a nightmare. They lost our mortgage payments and this was the start of our problems and they are failing to recognize their errors and correct them. Nationstar Mortgage is refusing to work with us and has declined to take our partial payments. They are now demanding the full delinquency amount. This is impossible and has pushed us further and further behind and we are faced an imminent foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: I contacted my lender SPS over the phone was told they need 37 days prior to sale to have my file reviewed for loss mitigation/ loan modification assistance, XX/XX/XXXX I submitted all their requested documents on line at the SPS Portal have a third party authorization uploaded with all my income, assets, financials and they did not touch the file until XX/XX/XXXX, when I called to follow up they said the system will not accept any loan modification request that I must re-instate my loan as the sale date is XX/XX/XXXX and there isnt enough time. After being on the phone numerous times they refused to escalate even speaking with a manager in loss mitigations They said I was denied for loan modification back in XX/XX/2017 and I do not qualify for change in circumstances, even though I am self employed my income has increased and I have already filed my XX/XX/2017 taxes and know exactly my income is at least {$1000.00} a more month which could potentially help me get a modification per SPS denial letter from last year I did not make enough to qualify. 

I am very frusterated as I have been a good paying customer and now that I have had a hardship they do not want to assist and will not even review their protocols to see what exactly their procedures are here. I even wanted to send then correspondence in writing requesting a QWR and it took them over 2 weeks to give me the address for that. My family has lived in this house over 10 years we grew memories here I am a unmarried woman and need help and my income is solely mine and I am confident as a XXXX XXXX XXXX I can start my finacial freedom with my mortgage brought current if they just accept my application for review. I do not know where to turn the sale date of my home is set for XX/XX/XXXX, I think it is unfair for SPS to now do their due diligence to assist me rather keep repeating the same information " not enough time to underwrite a file ''. I have called and asked them to send me true denial letter that I do not qualify but the generic letter they sent me does not state anything except for validating I am calling them for assistance, I need CFP to get in contact with them and turn this around for me so that I can be reviewed for loss mitigation and since the file is complete they should be able to postpone my foreclosure sale date. 

Please I am desperately seeking help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: i spoke with a representative from chase card services in XX/XX/XXXXregarding two account I had that were passed due and I wanted to get these accounts to good standing. The representative told me that they were closed but we can do a program known as reaging to get accounts back active. per call in XX/XX/XXXX i spoke with another representative that informed me reaging is still a possibility on the account i had to make to two payments to satisfy the past due amount and then they accounts will be reactivated. Payments were made as agreed and i followed up to confirm account would be repopened in a timely fashion customer service representative XXXX she informed me that was not what the arrangement entailed and that my accounts remained closed. when asked for recording of conversation customer service representative did not provide the information to me and continued to try and avoid the conversation with me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Credit card) with Gurstel Law Firm, P.C. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Gurstel-Chargo hand delivered a paper that looks like an official county document with the words " you are being sued '' and more literature describing the debt. 
I was not home and they delivered the document to my Landlord. The document was not in an envelope or any other covering. 
It is a misrepresentation of a summons to district court and has in bold print on the front page " you are being sued '' I have sent them {$600.00} in payments in the last month already.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (NC).
Issue: Deposits and withdrawals

Complaint: I bank with Rushcard! I have yet to receive my direct deposit from XX/XX/2015! Its supposedly due to a glitch in the system due to a glitch! I need my money I worked hard for! My bills are yet to be paid! I ca n't keep putting them off till Rushcard decides to give me my money! Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with KEYCORP (OR).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Key Bank Charged my account an overdraft fee of {$37.00} on XXXX XXXX, 2017 when my balance was {$2300.00}, after all items for that day had been processed. They refuse to refund the charge, or explain why they charged an overdraft when there were sufficient funds in the account. <P/>Account name : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Other service problem

Complaint: My account with Coinbase was locked after transferring money from my bitcoin vault to bitcoin wallet. I was not even sending bitcoin to a third party. I was simply moving my bitcoin in a way that would make it easier for me to monetize depending on what occurred regarding the potential hard fork of the blockchain surrounding the XXXX upgrade. XX/XX/XXXX - CoinBase locked my account. I created a service ticket that day and received an automated response. XX/XX/XXXX - I received another automated message from " XXXX XXXX '' asking if I was still experiencing my problem and to reply to the email with details/screenshots/error messages. I immediately sent an email with screenshots of the locked account message ( see attachment ). XX/XX/XXXX - After receiving no update, I sent a followup email.
XX/XX/XXXX - I have still received no additional communication from Coinbase and sent another followup email. XX/XX/XXXX - " XXXX XXXX '' from Coinbase support emails a mass email at XXXX XXXX that is not related to my problem whatsoever. It is evident from this email that no one from Coinbase has read anything I 've written them to date. XX/XX/XXXX - I catch up on email and read the email sent by " XXXX XXXX '' last night and sent a message back that his response was in no way helpful. I resend the screenshot of my locked account message. XX/XX/XXXX - I have received no communication since my last email on XX/XX/XXXX. I 've only ever received mass mailing communication from Coinbase support 's " XXXX XXXX '' Searching for examples of other people who have experienced problems with Coinbase, I discovered that many individuals have had their accounts unavailable for up to 6 weeks while seeking a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Closing/Cancelling account

Complaint: I have recently had some credit card delinquency, but not with some of my banks that I currently have revolving credit with. I have been trying to resolve my financial issues. In the meantime, I have never been late with a payment or delinquent with my Juniper Card through Barclay. I received my tax return and paid {$1000.00} payment on my Juniper card because I will have to take a trip XX/XX/XXXX and reserved a hotel room with it. I checked on my account today online to find my account has been closed! I called the number for customer service, thinking it must be a mistake because my card does not expire until XX/XX/XXXX, and customer service informed me that my account has been closed due to my credit report. Can they steal my money that way? Can I sue them for corrupt practices? Where is my consumer protection?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Department Experian.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following information that your company provided to Experian.com my Report number is XXXX on XX/XX/XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item XXXX Credit Account Number : XXXX .... 
Date Opened : XX/XX/XXXX Status : Transferred, closed. Account XXXX : XXXX ... Date Opened : XX/XX/XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XX/XX/XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. U.S department of education National payment center XXXX XXXX XXXX GA XXXX ( phoneXXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XX/XX/XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that Experian.com have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have one single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
University of Pennsylvania

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 10-03-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I rented a car from XXXX NJ XXXX XXXX for three days and prepaid {$120.00}. Upon When I picked up the car I added insurance and was given a new total of {$180.00} for three days rental and insurance for same. Upon return I did not get the car checked back in outside. I went to the inside counter and due to the long line I left left my receipt with the rental clerk with the understanding he would close the rental and email the receipt. I never got a copy of the receipt nor do I have the original agreement stating I owed a new total of XXXX. XXXX added the XXXX amounts the XXXX and the new modified reservation amount of XXXX. A new and bogus receipt was created to show I owe both amounts totaling XXXX This was a three day compact car rental. They have refused to take the XXXX from my off of my credit card and Citi cards did not properly investigate this matter. 
Citi did not honor the grace period for which I was to have to refute their " findings ''. I have filed a consumer report against XXXX after numerous attempts to resolve this with 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 02-03-2017 about Debt collection (Payday loan) with Midwest Recovery Systems (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest Recovery Systems LLC appeared on my credit report in the amount of {$890.00}. I have never heard of this company before. When I contacted them, they said that I had taken out a payday loan on XX/XX/XXXX I did not take out such loan on that day as I was not working at the time. As well all of the banking, home and email address information was old. I have not had that bank since XX/XX/XXXX and that bank went defunct in XX/XX/XXXX. I have not lived at that address in over XXXX years. As of XX/XX/XXXX it had been over XXXX years. That email address had not been my email address since XX/XX/XXXX. However, for some reason, when I did call they tried to get me to tell them my social security information but did know the last XXXX of it. Now, they are insisting that I owe this money. I know for a fact that I do not owe this money, who takes out a payday loan when they are not, in fact, WORKING and getting pay or have a payday? Not to mention, payday loans are ILLEGAL in the state of XXXX. Please stop your attempts to collect on a debt that is not owed to your client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After I became aware in XX/XX/XXXX that I was a Victim of Identity Theft and obtained a Police Report, I mailed them to all 3 major credit reporting agencies : Experian, XXXX & XXXX. However, Experian decided to cause me an unlimited amount of aggravation!! 

First, I 've initiated hundreds of disputes online, via mail, and over the phone. They never attempted to honor my request which by law based on the FCRA the CRA 's must legally not only remove the fraudulent accounts but also block them from reporting again should the creditor try to put them back on. 

It came to a point where Experian does now allow me to initiate disputes and they told me on the phone it 's frivolous, and they will never honor my request. 

Thanks XXXX it 's only Experian that does n't abide by the law and I give credit to XXXX and XXXX by removing them within 24 hours. 

I 'll be attaching a copy of my recent Experian report along with my police identity theft report which will show exactly the accounts that are fraudulent and Experian refuses to remove them. 

I have to add one more thing, there 's also 2 fraudulent account which is n't on my police report because at the time I got the police report was XX/XX/XXXX and the account which is not on the police report is PENFED CREDIT CARD, the reason is that it began reporting on XX/XX/XXXX. 

Lastly, these fraudulent accounts ( or at least most of them ) were opened using an address which is not associated with me as you can see on the report " XXXX XXXX XXXX XXXX '' and I would like to quote what Experian told me ; and these were their words " WE ARE UNABLE TO REMOVE THIS ADDRESS FROM YOUR CREDIT REPORT SINCE THERE ARE ACCOUNTS ( MEANING THE FRAUDULENT ACCOUNTS ) THAT WERE OPENED USING THAT ADDRESS, AND THEREFORE WE DO N'T BELEIVE THAT THIS ADDRESS IS N'T ASSOCIATED WITH YOU ''!! 

Common ; they admitted these accounts were opened using this address which is not in any way associated with me, instead of using it as the number one proof that these accounts are fraud!

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 09-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Billing disputes

Complaint: American Express charged my account for a product I never recieved even after XXXX disputes providing proper documentation to support my claim. The product was suppose to be shipped. I never recieved the product ordered. American Express conspired intentionally or unintentionally committing or inspiring to commit fraud with the merchant/vendor even after providing them with the shipping order. I expect the credit company American Express to properly review my documents and provide me proper resolution to resolve my dispute. The option of arbitration and discussion with their legal counsel was not provided.

Company response to consumer: Closed with monetary relief