milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Bank account or service (Other bank product/service) with Coinbase, Inc. (TX).
Issue: Account opening, closing, or management

Complaint: After 2 years of service with no issues Coinbase closed my account for no reason and furthermore refused to give me a reason despite dozens of request through their support channels. I first signed up with them XX/XX/2014. By forcing me to sell my bitcoin I missed out on hundreds of dollars in gains in the market and lost the ability to use my shift debit card that I paid {$20.00} for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I am in the process of refinancing my USDA guaranteed rural housing mortgage, currently held by Wells Fargo, through a new bank, XXXX. We have encountered a problem with Wells Fargo. The payoff statement that Wells Fargo issued to XXXX classifies my mortgage as a conventional mortgage instead of a USDA guaranteed mortgage. My closing documents from XXXX, the mortgage company that issued the original loan in 2011, shows my loan as a USDA rural housing loan. However, the mortgage was sold to Wells Fargo who has classified it as a conventional loan, despite all documentations showing that it is indeed a USDA rural housing loan. Wells Fargo has acknowledged that the paperwork shows that it is a USDA loan, but they have yet to make the change so that I can complete the refinancing process. 
One of the Wells Fargo employees that I spoke with on the phone suggested that this is how Wells Fargo treats all of their USDA loans. If that is the case, then this is illegal and should be investigated by the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of Walla Walla (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection Bureau Of Walla Walla was hired by XXXX XXXX Court to recover unpaid fines. My case was accidentally sent to cbww. I made XXXX {$25.00} payments before getting the fine got recalled by the courts. Cbww has only reported XXXX of XXXX payments to XXXX XXXX courts. I was being harnessed, called a dead beat by this group of unprofessional bullies. I 've contacted the owner ( who has been less than apologetic when I proved that I had been correct about telling the collection agency that they were fired by XXXX courts

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Rewards

Complaint: We experienced a fraudulent transaction on our business account in XXXX XXXX. This transaction was initiated by a former employee who was not authorized to make such a transaction. 

After reporting it, this transaction was reversed but due to the failure of Wells Fargo business banking specialist, XXXX XXXX, to remove this individual 's access to the account, the identical transaction was processed in early XXXX XXXX. After reporting it once again, this time Wells Fargo did not address the issue. 

Instead, I was locked out of our account and not granted access despite providing the documentations proving that I was the only authorized individual to access this account. Despite repeated requests, I was unable to access our accounts until I escalated this matter to the regional supervisor, XXXX. 

After investigating, XXXX eventually reversed the second charge as well. This took place in XXXX XXXX, five months after the fraudulent transaction was reported. 

As soon as I regained access to our accounts, I made the outstanding payments on our credit cards. I then became aware, however, that our credit cards were closed to delinquency and all of our points have been forfeited. 

I was only unable to make these payments because Wells Fargo had revoked my access to the accounts. I made the payments as soon as I regained access and I was assured by XXXX XXXX that our accounts would not be closed until we had the opportunity to redeem these points. 

As such, I am disputing the balances on these credit cards until our points are reinstated and we have been able to redeem them. This was entirely the result of XXXX XXXX 's incompetence and subsequent delays instead of just quickly remedying his mistake.

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 11/19/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/XXXX, XXXX collections were put on my Equifax credit report. These accounts are not mine. XXXX XXXX XXXX bank Balance {$590.00} opened XX/XX/XXXX, XXXX XXXX XXXX balance {$1000.00} opened XX/XX/XXXX, XXXX balance {$600.00} opened XX/XX/XXXX, XXXX Balance {$310.00}, XXXX accounts for XXXX XXXX opened rhe same day seems highly irregular. Plese delete these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm a victim of identity thef some took my info and opened up accounts in my name and I call the credit bureau so they can investigat which they did, but for some reason Equifax credit bureau is not removing that collection off my report. The name of the company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted by Portfolio Recovery Associates in regard to an alleged debt to XXXX XXXX of {$610.00}. I am a XXXX year old man, never been to XXXX XXXX, never had an account there and have been divorced for over 10 years. I am also on XXXX. They have sent paperwork, requesting numerous forms of private information and identification. I am not willing to provide them with this information. This is not my debt. I believe this be a fraudulent misrepresentation in order to obtain personal and private information and to extract money under false pretenses. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My credit has been without a blemish for several years. I was a victim in the XXXX XXXX scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my FICO score dropped 63 points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and Income Based Payments. I have two mortgages that combined are much lower than todays ' average mortgage payment. One is a primary residence and another for a house that was inherited. ( rented out and paying for itself ) Had a credit issue about six years ago but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Pawn loan) with PNC Bank N.A. (MI).
Issue: Lender sold the property

Complaint: The original loan was for a motorcycle in which, I co-signed for my daughter 's then college boyfriend who we felt needed some help. The bank has now changed several names and different ownership. National City Bank is no longer and back in the XXXX 's not much done electronically, I had a payment booklet and the loan was paid off. At the time I never received a former letter or the title to motorcycle since the bank became defunct. Therefore this new company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, XXXX bought these defunct pay loans for pennies on the dollar trying to collect on bad/ written off or closed loans. I was contacted in XXXX 2015 stating I owed thousands of dollars from this company. Needless to say I was strong armed into thinking I did and I agreed to much lower amount and paid them {$800.00}! I made XXXX payment of {$200.00} dollars each via check. I have filed a local police report with my local police department and in process XXXX, where I live, XXXX, and then I am doing the same process in the state XXXX where this company is located. Therefore once they received the last payment I was promised my title and end of loan paperwork. When called again the person is conveniently unavailable and when called by the police he was hung up on as well. I will be uploading my paperwork as requested from this so called company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: In XX/XX/XXXX, I was sent court documents saying I was a defendant in a law suit from XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX, for non-payment of a credit card debt ( attachment 1 ). The suit alleged I co-signed a credit card application for XXXX XXXX on XX/XX/XXXX and she ran up a {$3600.00} credit card debt that was delinquent. I did not request, or, co-sign any credit card request from XXXX XXXX XXXX and responded to the law suit with the attached documents I supplied to the court, in XX/XX/XXXX ( attachment 2 ). XXXX XXXX XXXX continued sending me notices and refused to remove the collection information from the credit agencies, as I requested ( attachments 3 & 4 ). After a year of trying to get this off my credit report, I told XXXX XXXX I would pay the debt, even though, I had no legal responsibility to do so, if they would get it completely off my credit report ( attachment 5 ). They agreed. I paid it in full and received their letter, dated XX/XX/XXXX, stating it was paid ( attachment 6 ).
To date, this debt collection information still shows up on all three credit reporting agencies. It continues to cause me complications with credit applications, leasing agreements and anything requiring a credit score or evaluation. All XXXX XXXX says when I contact them is, the debt is paid in full. They have taken no action to have this removed from the credit agencies.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax is reporting a fraudulent Bankruptcy on my credit file. Bankruptcy # XXXX is a fraudulent Bankruptcy that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the public record from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this bankruptcy was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer Portfolio Recovery Associates, violated chapter ( XXXX ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer. Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. I sent XXXX XXXX a dispute letter dated XXXX XXXX, XXXX attached and XXXX XXXX failed to respond. But Portfolio Recovery LLC sent me a letter dated XXXX XXXX, XXXX where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me. They are civil for damages for their violation 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal act and they willfully violated the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX I tried to remove a fraud alert on my file. It told me to call in. Upon calling I was told to mail a request including proof of address, identity, and social security number. This was mailed XXXX XXXX. As of today I still have not heard anything back from TransUnion.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

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 01/23/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous phone calls from Portfolio Recovery Associates over several weeks. I spoke to them once and found they are seeking payment for a credit card balance due. I have no such debt and told them so. They continue to call, but I do not answer. I know there is another person with the same name as me living nearby. I hope you can resolve this issue on my behalf as they did not listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Credit reporting () with LEXISNEXIS (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: LexisNexis failed to mail my XXXX report which is part of their full file disclosure that I requested back in XXXX. 
I have called them about it and they told me they would mail me a copy, but nothing has come.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC ( www.ocwen.com ) changed payments in XXXX 2016 without providing detail supporting the change. I continued to make the original payment. Now that detail has been provided, I called XXXX to make the payment to account # XXXX but the telephone message said that the account number is invalid. 

There is a payment address of Ocwen Loan Servicing , LLC XXXX XXXX XXXX in XXXX, XXXX XXXX. This address differs from the previous address for all payments of {$160.00} have been sent for more than 3 years. The previous address that my bank has been sending payments is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. All regular payments were to be sent there. 
Which address is correct? Why does n't the account number work? We want to pay but not if they will not recognize the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After my loan was transfer to my new lender. I did applied for a modification to obtain an affordable interest rate, consequently a better payment. After a long journey of sending documents and contacting the bank. My lender approve a modification with a successfully 3 trial payments. I received the final modification with no change of interest rate and a higher payment. much higher than before the modification, plus the term of loan has been extended for more years and increase of payment. Now the lender said is the best I can do take or face foreclosure.

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 02-12-2018 about Debt collection (Medical debt) with Financial Data Systems (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: FINANCIAL DATA SYSTEMS is attempting to collect 2 fraudulent debts that do not belong to me and were opened as a result of identity theft. I have contacted this company and made them aware that this was fraud, however they continue to attempt to collect these fraudulent accounts. The partial fraudulent account numbers listed on my credit file are XXXX and XXXX. I have been a victim of identity theft and have provided a copy of my police report to XXXX XXXX and they continue to report these fraudulent accounts. These are not my accounts and I live in XXXX GA and have never lived in South Carolina. These ACCOUNTS ARE FRAUDULENT.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I never received a bill in the mail from my XXXX XXXX/XXXX Credit card in XX/XX/XXXX to pay my bill of XXXX.. I have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX there was a XXXX XXXX XXXX account opened up in my name. I was born XX/XX/XXXX which made me XXXX years old when this account was opened. I have never had any services or account with XXXX XXXX XXXX. This has been hurting my report and I have been declined services for 2 years. I have been trying to get this off and no one is helping me. Legally I was not old enough to have a utlitiy bill when I was XXXX. I have no idea who had this account. When I went to college and started to look at my credit I seen this. I started disputing it then with XXXX and all the credit reporting companies. Account # XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX FL XXXX and the phone number is XXXX. 
I need this to be removed from XXXX XXXX XXXX now. They should have never allowed someone to use my information to get a utlity bill of any kind. I need this removed from All Credit Reporting agencies as well. This has damamged my report and prevented me from getting credit. I have attatched my ID showing y date of birth.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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  XXXX  account listed on my Equifax credit report with  XXXX   XXXX   XXXX , that shows in the comments field of the account " Consumer disputes this item '' There is no dispute on the account and I have electronically requested Equifax to remove the comm ent 3-4 times repeatedly stating " there is no dispute on this account, please remove the comment, I agree with the status of this account, please remove the comment '' Wording it 3-4 different ways to make it clear there does n't need to be a " dispute '' flag on the account beca use there is n't anything wrong with it and I do not disagree with its current or past appearance/status.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX agent miss represent there service and payment fees for services and phones I bought. they stated one thing and I was charged another more money. I took XXXX to court and sued them and won. I owe them nothing and XXXX ended owing me money. Since then they keep trying to collect the money from me. they have different collection company 's try to collect money from me. each time I send them a judgment I owe XXXX nothing. That collection company will stop then another collection company will contact me. this is the fourth collection company that has harassed me now.

Company response to consumer: Closed with explanation