milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I recently relocated to Georgia and I 'm living in an   XXXX   XXXX    XXXX . I receive my mail there and packages. I updated my account online with Simple bank on  XXXX   XXXX ,   XXXX  an d after a day or two they told me because it 's technically a business address I could n't use it and they would have to close my account. I called and talked to a representative and explained that I just moved and that I am living there and I receive my mail there. They told me because of the  Patriot Act tha t I had to have a verifiable residential address. I 've updated my address with  XXXX  other banking institutions and have had no issue with using the same address. Today  XXXX   XXXX ,  XXXX , they told me that I have 30 days move money before my account is closed. I 'm not a new account holder and have had the account actively since  XXXX   XXXX . I 'm a United States Citizen with a verifiable social security number ; which they verified at the opening of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with Rent Recovery Solutions (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a collection on my credit report for {$81.00} that I do not recognize and what no award of. I never received any communication about this bills and I want this account to be closed and removed from my credit report immediately. I do n't like that anyone can access my credit information and report bills that I do n't even recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to DISPUTE a false item on my credit report and the company has completely ignored multiple attempts. I fought with the Transunion web site on XX/XX/XXXX, the same date that I easily ordered my credit reports and disputed something that did not belong on my credit reports from the other two companies. The Transunion web site was a nightmare to use and took two hours to finally navigate to send in the dispute. When the other two companies cleared the item off my reports within 30 days as required by law, Transunion would not even acknowledge that I had disputed something. Their web site is utterly broken. When I contacted them online, they told me I could buy a copy of the credit report that I already had. Their web site constantly points to their dispute web site, which then just says it 's offline since XXXX. When I called to file a dispute, their phone system hung up on me before I could even connect to a person. When I reported this previously through CFPB, I got the same useless response from them about ordering a credit report. I already have my credit report. I want to not be held XXXX by this company refusing to allow me to file a DISPUTE for something that does not belong on my credit report for the past four months so that I can actually use my credit report to get credit for something. My next step will be to sue them for so much that I wo n't need credit anymore.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: see attachments for details.This complaint against the credit bureaus refers to a direct CFPB COMPLAINT XXXX against the furnisher XXXX XXXX XXXX XXXX XXXX XXXX account number 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 09/15/2016 about Credit card () with STERLING JEWELERS, INC. (CO).
Issue: Other

Complaint: I have on my credit reports Jared XXXX XXXX XXXX reporting as Chapter XXXX, in collections, charge off and past due. This account was opened in XXXX, never missed a payment and in XXXX XXXX, several months before my chapter XXXX was discharged, the XXXX dismissed my chapter XXXX due to changing income and then reinstated it. Some how, XXXX was notified and then decided they were to include this account in my chapter XXXX ; against the law. You can not add accounts that were not initially included at the time of filing, per my lawyer and the Trustee.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been a long-term customer of my health provider and due to their inaccurate contact records, they never reached out to me in an attempt to correct their error. Instead my attempts to use my online account to no avail, prompted me to reach out to them. They have multiple telephone numbers that could have been used to resolve this issue, but not once had I received a call from them. My online access to my account was thwarted by their lack of contact and instead I was contacted at work by Nationwide Recovery Services and promptly settled the past due account for a total of {$100.00}. This lack of initiative on their part was devistating and left me with decreased credit score all because no one at XXXX XXXX could or would pick up the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Medical) with Debt Management Incorporated (RI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by XXXX with Debt Management Inc., in regards to an alleged account with XXXX XXXX XXXX XXXX in RI. I informed XXXX that this is a disputed debt that I was told that this procedure was approved prior by the medical office. I shortly after was send a bill and contacted the insurance company. The insurance company informed me that it was not approved because it was coded incorrectly. I explained the same to XXXX who insisted that she already heard the story and I still need to pay the bill. She told me to purchase a prepaid card and pay an amount every week. She told me if I do not she would report this to the credit reporting agencies and would notify XXXX that I am refusing to pay. I am not certain but I cant image how a refusal to pay and a disputed debt fall under the same criteria. She just kept telling me she hears it all the time and I need to pay, She never gave me my mini Miranda rights and I advised her to speak to my fiancee and she advised him the same. Document as a refusal and report to credit reporting agencies.

Company response to consumer: Closed
Consumer complaint received 01/26/2018 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: Information belongs to someone else

Complaint: Ive contacted Equifax XXXX and XXXX several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. XXXX XXXX and Equifax has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I called to cancel my Citi Forward credit card XX/XX/XXXX, having submitted a XXXX XXXX XXXX payment to pay the account balance. I spoke to a customer service rep who confirmed cancellation of the account. 

I was so certain that my account had been canceled that I then proceeded to cut up my credit card ( having closed the account ). I did not hear about any issues from Citibank whatsoever. I did not receive emails saying there were any issues. 

Two months later, I get a few robocalls and see my credit score has dropped dramatically, because there is this phantom account that I thought I had closed. It turns out it was open and the bank payment had n't gone through. I had not been told this and thought it had already been paid and closed. 

Citi is looking for the record of my calling. As of today ( XX/XX/2017 ), the day I discovered this account, I paid the delinquent amount but there is still a mark on my record. I have had 10-12 years of spotless credit history and this is the single payment that is past due. 

I spoke on the phone today and spent 2 hours on the phone with XXXX and XXXX ( presumably Citi will see record of our conversation ). They could not do anything to remove the delinquent record. 

This is fraudulent. Keeping someone 's account open when they thought it was closed is a huge cause for concern and brings to question the fraudulent practices recently at XXXX XXXX. Is Citi operating in the same vein? I will not hesitate to pursue this further.

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 09/21/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to dispute the following information in my credit file status. Loan Care Servicing Center a mortgage company reported the sale of the property as a Foreclosure which it was definitely not. It was an Agreed Settlement ( account paid in full or less than the full balance ) to prevent/avoid foreclosure. I am requesting removal of inaccurate information/description reference foreclosure in status remarks on 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 12-03-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' I also called the number provided, XXXX. It is for the XXXX. They must get a lot of calls for Chase Card as the first thing you hear on the XXXX outgoing message is something like " thanks for calling the XXXX. If you 're calling Chase, they published the wrong number and have n't fixed it! '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Application, originator, mortgage broker

Complaint: I became aware that Wells Fargo Bank , NA as servicing agent to XXXX Bank XXXX, as Trustee for Adjustable Rate Mortgage Trust XXXX, Adjustable Rate Mortgage Backed Pass Through Certificates, XXXX XXXX with the aide of XXXX Law Group and XXXX XXXX XXXX XXXX XXXX XXXX filed a fraudulent APPOINTMENT OF SUBSTITUTE TRUSTEE with the Recorder of Deeds for Washington DC know as instrument number XXXX. This document has forged signatures for a XXXX XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I sent information to Equifax, asking them to remove the extended fraud alert so I can receive promotional offers, Equifax which the company I sent information to, forvas a copy of driver license, proif of residence, and copy of ss card and thenconfirmation number, plus a letter stating that i wanted tge fraud alert lifted do i can receive offers. I sent the information certified and also called Equifax and asked them did they receive the information and they stated yes, i was given a confirmation number and as of today, as i applied for credit, it still shows a fraud alert on my credit report. Equifax is not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was given free credit protection with Experian due to a security breach. It promised that I would be able to see my credit score right on their website. But, I could not get it, so I called. After much wasted time on the phone Experian said that it was not included in my free service, but that I could get it at freecreditreport.com. So, I logged in there and was told " Congratulations, you are eligible for a seven day trial membership {$0.00} credit report. '' But, when I tried to access it, it told me that the cost was {$21.00}. Another very long frustrating call and I was told that it would be available in 2 days. I totally do not believe this and am convinced that Experian is deliberately misleading and deceiving customers. Please do something to make them stop. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I am a Realtor of 30 years and my family was severely impacted when the financial markets collapsed in XX/XX/XXXX. Since that time our family had to file bankruptcy to save our house because we could not get Wells Fargo to approve a mortgage modification. As a result of that filing, and without a mortgage modification we had to reinstate our loan for our primary residence by pulling a large amount of money out of our retirement account. Our bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. Our primary residence is still carrying a 6 % loan, as we have been unable to refinance due to the neighborhood values and most importantly the mortgage was sold through the secondary money market. In addition, due to a lawsuit we had to file against XXXX to secure a modification for an investment property we are being told by the banking community our loan modification is seen as a short sale. So with the combination of a secondary market loan product and short sale we are still unable to refinance our family home. Why is our family being discriminated and penalized against obtaining a refinance on our primary residence residence when not one banker has been held accountable for the financial collapse of this country? This is pathetic!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: XXXX XXXX # XXXX. 

On XX/XX/XXXX, I became aware that I was unable to access or sell my cryptocurrency stored in a Coinbase Vault, because I did not have access to the 'secondary ' email address associated with the account. I submitted a support ticket through the Coinbase website. I received response from Coinbase via email that someone would close the Vault account and create a new Vault on my behalf with a valid email address. 

After no further response or action from Coinbase, I followed up with several email asking for resolution. My follow-up email to coinbase were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Most email received an automated response. I also called the customer support line several times, but most attempts did not reach a person ( wait times >45mins ). The times I got through, customer support was unhelpful. 

On XX/XX/XXXX, I reached out to the company ( XXXX ) associated with my secondary email address, to see if I could regain access. XXXX informed me that I never had an email address that matched the one on file with Coinbase ( started with " d '' ). It was at this point that I realized that Coinbase had changed the 'secondary ' email address associated with my account without my authorization. I checked the email Coinbase sent at the time of the Vault account creation, and can confirm that the email address I used at the time of account creation is no longer the email address associated with the account. It has now been XXXX months, without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is illegally reporting my account as late after my bankruptcy when it was in good standing up til the filing. They closed my account, would n't take anymore payments and now reporting monthly as over XXXX days late. I attempted twice to contest this and they continue to do it.

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 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collector : JEFFERSON CAPITAL SYSTEM Creditor : XXXX XXXX Amount {$180.00} This amount is not correct and this debit is not owed no matter how many times I talk to the collections department or XXXX. 
I had a XXXX account and I was transferring my phone lines to my new husbands account. It was called an assumption or liability. The account had to be at a ZERO balance before the line could be transferred over there. They keep saying this is a past due but there was a Zero balance. XXXX ca n't even talk to me as they sent me to a collection account company and I tried to talk to them and I disputed it through them as well. 

I want this removed from ALL XXXX credit reporting companies!

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: I have a check account with chase ( basic Account with no overdraft autorizacion or allow ) I was out of the country on vacations and when I return I find out that my account was close for overdraft for fees with I never authorize or agree On. Please investigate this uncomplianc conduct from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My ex-husband used my social security number and his name hit my credit report. I was supposed to be protected by the courts, identity undisclosed, because he is on XXXX. However, the court clerk did not do her job and now all of my personal information is public. He knew my social security number and is now trying to cause me financial damage like he has done others in the past by switching his last few numbers of his social to open accounts on someone else 's credit and ruined them. I disputed with Experian but that did not change my credit score after he dropped it over XXXX points after he already destroyed me by XXXX and I had to give the only transportation that me and my son had back to the bank because it was destroyed.

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