milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2017 about Debt collection (Medical) with Rash Curtis and Associates (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt owed to XXXX, but the collections agency, Rash Curtis, continues to harass me, calling during work hours and trying to get interest on the already paid debt to XXXX. I have an email from XXXX attesting to the fact I have paid my debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

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

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Consumer Loan (Installment loan) with Omega RMS, LLC (FL).
Issue: Taking out the loan or lease

Complaint: Apply for course with XXXX XXXX XXXX XXXX, requested to cancel course the next day and was told that I can not cancel course, when I told them about the 3 days right of refusal. I was told that it did n't apply to that course. I have never log into their course or use their course and should not be charge {$2000.00} for not using or receiving the course work. I feel that I am being force to use their product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am having an issue with XXXX and XXXX in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting XXXX and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor XXXX. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XX/XX/XXXX at XXXX ; XXXX pm called XXXX XXXX XXXX XXXX to pay off an outstanding charge off that continue to report 90 days late monthly to Transunion, XXXX XXXX XXXX. I was notified by the representative that this account can not be paid to XXXX because they no longer own the account. I asked when was the account sold and was told back in XXXX. My next question was should this account then be reporting a zero balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, XXXX is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XXXX after it was charged off. After concluding the called TransUnion and spoke to XXXX to initiate a dispute regarding this XXXX account. I stated that XXXX should be reporting a zero balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX pm. Lastly, I initiated a dispute with XXXX at XXXX pm with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the XXXX XXXX XXXX was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a zero balance and sold or transferred to another lender it was. At XXXX pm I contacted XXXX XXXX XXXX XXXX again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that XXXX can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that XXXX XXXX XXXX provided an inaccurate verification of the debt to the XXXX major credit reporting 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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX is reporting a debt that I do not owe. I have reached out to the company to dispute the charges but I have not received a response back from management. XXXX XXXX is reporting a debt of over {$300.00} for services that were never rendered. I asked XXXX XXXX for a itemized bill which is within my rights according to the FCRA. They have failed submit a detailed bill. They are also reporting the bill on my credit report but I had a prepay service with the company. They never gave me any line credit and they are reporting it on my credit report as so.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have filed several complaints about Wells Fargo about missing funds. Each time their response is please provide us with dates and amounts of transactions. They even sent me a letter via postal mail. Each time I tell them I am unable to provide dates and amounts. I in the past was on the phone with a representative of Wells Fargo admitting in a phone conversation that there were missing funds. I asked if they could provide further information and they were unable to do so. I 've looked through everything even years back before any missing funds and I am unable to see dates and amounts. I request Wells Fargo go and look into my accounts maybe one of their accountants may be able to find the needed information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Tormey Bewley Corporation (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: sent payments for account with the collection agency and demanded written proof of the account being cleared and paid along with written proof being reported to all XXXX credit bureaus. conversed by phone and written letters and was promised documentation via phone XXXX/XXXX/15. since then XXXX additional letters were sent and the last certified mail and demanded written confirmation within 7 business day after receipt. i have received nothing to date. copies of cancelled check available.

Company response to consumer: Closed
Consumer complaint received 04-11-2015 about Credit card () with U.S. BANCORP (NH).
Issue: Advertising and marketing

Complaint: When I signed up for my US Bank XXXX XXXX Credit Card there was a giant ad on the webpage promising me a " last night free '' benefit. More specifically, that benefit allowed a cardholder to receive his/her last night free when booking XXXX XXXX award stays of at least XXXX nights. Enticed by this offer, I signed up and paid an annual fee of {$75.00} in XXXX of 2014. Today, I got my statement in the mail and was told that this benefit is being eliminated effective in XXXX of 2014. I find this to be completely deceptive. US Bank heavily advertises a benefit, gets you to pay an annual fee based on that benefit, and then withdraws the benefit in the middle of cardholder year after the fee is paid. This is classic bait and switch and US Bank should be investigated for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Consumer Loan (Installment loan) with U.S. BANCORP (AZ).
Issue: Shopping for a loan or lease

Complaint: I was solicited by a banker at USBank : XXXX XXXX. He told me that he could refi an existing loan at less than 4 %. I stated that I would only be interested if this was a FIXED RATE LOAN. He said YES. After 4-5 weeks of supplying the necessary paperwork : personal and business tax returns, pers. financial statement, everything necessary to complete a loan .... I was told that I qualified for an ADJUSTABLE RATE LOAN. I reminded the banker that we had originally discussed a FIXED rate loan. 

My complaint : BAIT AND SWITCH 1. the loan was presented as an AR loan with a low 4 % interest rate as a teaser. The banker knew that I was only interested in the Fixed rate loan. 

2. There was improper documentation on the exact interest rate and the type of loan at the beginning. Had this been done ... there would not have been any misunderstandings. 

3. I tried to work it out with the bank, but they seemed intent on giving me the Adjustable Rate loan as opposed to the loan that was originally discussed. 

4. I paid my accountant to produce the various forms. In lieu of the misleading behavior of the banker : XXXX XXXX ... I have asked that the bank refund my acct fees ( {$150.00} ). They have not done this or suggested that they have done anything wrong. 

To summarize : Bank calls me ( I did not call them ) to offer 4 % rate on refinancing an existing loan. I was clear that I was only interested in a FIXED RATE LOAN. Banker says : fine. Banker does not put anything about the loan details in writing. 5 weeks later after all of the paperwork ... I 'm assuming that I will be presented with a Fixed rate loan. This did not happen. 

Bait and Switch. 


Thank you for your help.

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 06-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Unexpected or other fees

Complaint: I was on a trip to  XXXX  and I attempted to log into my Coinbase account to check the prices of the crytocurrency I own. Upon my return to the  US,   I received the following e mail : " Dear ( Name ), We have r eason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( Country ) per the sanctions imposed by th e U.S.  Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to clos e your Coinbase acco unt. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us a t support@coinbase.com immediately and provide us with a copy of a photo ID and proof of y our current address. If your account has a balance you will need to contact th e U.S. Treas ury Department to request permission to access your funds. '' I immediately created a support ticket to have my issue resolved and provided the requested documentation. I have received only automated responses and have sent several follow up emails along with attempts to reach them via their social media platforms. The issue should take very little time to resolve and it have been  over 10 busi ness days that my account has been locked and I have no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I want trans union to take off the collections of XXXX. I have received my payment statement from XXXX. so therefore helvey and associates have just committed fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Application, originator, mortgage broker

Complaint: on or around 2012. I noticed account on my XXXX and XXXX credit report that did n't belong to Bank of America account with a foreclosure status. Date open XXXX mortgage term of two years. I immediately disputed account as not mine. Credit report agency along with Bank of America refuse to remove this item from my credit report. I had never had to an bank of America mortgage. I 'm requesting and complaining that this account be removed from my credit report. I never signed any mortgage loan Bank of America has refused to send me documentation, because frankly there is n't any documentation showing that I a mortgage with Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have purchased my home 2 years ago. Since then the assessed value of my home has increased. My tax assessed value has increased by 30 % and other houses in my neighborhood are reflecting that increase. I contacted Wells Fargo ( owner of my mortgage ) to have them assess the property value so that I can remove my mortgage insurance. They told me that I would have to pay over {$300.00} for the appraiser so assess my home. They also said that the appraiser would not take market value into account. The appraiser would only be looking for structural modifications. Wells Fargo owns the appraisal company. There is a conflict of interest that negatively affects consumers like myself. The appraisal company and Wells Fargo are in collusion to artificially suppress appraised property values as confirmed to me by the Wells Fargo representative. A fair and proper appraisal must take market value into account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015 I received an email from my Citi XXXX preferred credit card provider. My account had been closed due to inactivity. Not having been previously notified of the pending closure I contacted Citi for verification of the closure and tried to reinstate my account. I was not aware that I was required to use their card and provide a timely use of the card in order for Citi to generate the revenue that credit card companies enjoy. I asked why I was not notified previously to this upcoming closure. I also expressed that closing my account would negatively affect my credit report. Citi advised me that the actions of credit reporting companies was not their concern. I was told that I could apply for a new account and would be subject to approval according to the processes of a new customer. This requires a credit report inquiry and other personal information. Excessive inquiries of my credit report affect my credit worthiness same as the closing of my account. I requested my account be reinstated but my request was denied. I had not been using my credit card due to a previous action which reduced my credit limit to the balance owed. I questioned Citi for the decrease. I was informed that my credit report had been negatively affected due to a recent entry by another credit provider. I requested copies of my credit report. Instantly, I determined the negative entry. It obviously was not a reportable entry. The date of the reported entry was very old and had been entered in error. It was an obvious error which was immediately corrected. I contacted Citi with the information of the correction. As the entry was blatantly obvious as an invalid entry, I did not understand why Citi did not review my credit report for accuracy. An obvious error of date. Citi reduced my credit limit due to their lack of responsibility in the handling of my account. I quit using my Citi card due to the careless practices of their business procedures and lack of providing a business relationship conducive to ethics and fair practices. I did not want an account with Citi but new the negative result of closing a credit account. I sent an email to customer service. I received an email in return stating I could read their response by logging into my internet account which I could not access as my account had been closed. I then contacted Citi and was referred to a manager. XXXX. She could not repair the damage already created. She suggested that I apply for a new account. Unsure of how to proceed I agreed. I still have Citi reporting a closed account and added inquiry to my credit report. While reviewing my credit report, the only negative entry would most likely be reported by Citi. My credit may not be granted due to the actions of Citi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. 

On all three credit report XXXX Experian XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received letters dated XX/XX/XXXX from Chase Bank indicating that they have closed all of my credit card accounts because my credit report shows that I have too many new accounts. I then contacted chase over the phone to discuss the matter, and was told that I am considered too risky for the bank therefore they are terminating all of my accounts. If Chase is concerned about credit exposure, the fair course of action could be lowering the credit limit on the accounts rather than shutting them down. It is hard to understand how Chase has arrived at such conclusion as I never had a late payment throughout 8+ years of credit history, being current on my mortgage payment, extremely low debt-to-income ratio, and pay off all my credit cards on a monthly basis. How does having too many credit cards suddenly make a customer too risky when they have demonstrated perfect ability to service their accounts responsibly throughout the years?

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with KONDAUR CAPITAL CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We sent the application documents to XXXX XXXX at Koundar Capitol and their counsel starting in XX/XX/XXXX. Each time, they denied the application in less than a week. They cited that they could not create an affordable payment each time and did not explain how this came to be. We sent another application and Notice of Error to Koundar in XX/XX/XXXX with updated income and expense information, explaining that there was a change in income and expenses, making their ability to pay an affordable loan payment more possible. Just as before, in less than a week, we received correspondence that they could not come to a term with an affordable payment. We have called the assigned SPOC, XXXX XXXX, XXXX times in three months, sent her over XXXX emails, and copied these emails to XXXX other individuals at Koundar Capitol. There has been no response aside from the canned letters with no detailed explanation. The last application we sent was XX/XX/XXXX and we received notice of denial dated XX/XX/XXXX, which is only two business days later. IT IS IMPOSSIBLE TO DO A FULL REVIEW AND DETERMINE ELIGIBILITY IN TWO DAYS. All contact attempts and requests for explanation have gone unacknowledged and unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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 been writing letters to this company for more than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even though TWO YEARS has already passed.   Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

Company response to consumer: Closed with explanation