milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
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: OnXX/XX/XXXXI received an alert form one of my credit monitoring sites that my scores had dropped for Equifax, one dropped 14 points the other dropped 99 points. After my investigation through my Equifax account, it appeared that 69 items were affected on my credit report. The majority of the accounts were reinserted into my credit file, other accounts were deleted, credit card balances were removed and old inquiries were added to my account file. I called Equifax XX/XX/XXXXand spoke with XXXX in the Office of Consumer Affairs, she  advised me there was an abundance of information added to my report she created a dispute to the technology team to fix the issues which included deleting the reinserted accounts. She advised me to call back on WednesdayXX/XX/XXXX if the issue had not been resolved. I called onXX/XX/XXXX because I noticed that a lot of changes had been made but 25 reinserted items still remained on my credit file. I spoke with XXXX in the office of consumer affairs who refused to take the remaining account numbers to make sure those items were deleted and hung up on my twice. XXXX from the office of consumer affairs tried to delete the accounts but was having system issues advised my only option was to submit in writing to open a 30 day dispute where the creditor would verify the account. I advised that was not the appropriate approach and that I was not interested in taking that approach with my account because the items had already been deleted from my credit file. XXXX rudely provided the fax number and hung up on me. I called the office of consumer affairs onXX/XX/XXXX and spoke to XXXX who stated she did not remember the conversation we had on Monday and that she would of never submitted anything for deletion. She then told me there were 2 disputes open and there was nothing they could do about it now. She refused to follow through with her plan from Monday to have the abundance amount of information that was reinserted to my credit file deleted. The 2 disputes were opened on my behalf without my authorization. I specifically said in all my conversations with Equifax that I DO NOT want to open a 30 day investigation for the creditors to verify the accounts. Attached is a copy of my credit report before the items were changed on my credit report and the most recent copy of my credit report with changes that have been done but 25 items still remain. Also, I have attached a document that includes my conversations, dispute numbers and a list of changes that were made and remaining items.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from Receivable Performance Management LLC on  XXXX/XXXX/XXXX, indicating that I owed XXXX. The original creditor is XXXX XXXX. 

I cancelled my service with XXXX about a year or two ago and switched over to XXXX. I had 5 telephone lines with XXXX, and when I cancelled my service with this company, all 5 lines should have been cancelled. Instead, what XXXX did was keep 1 of the former telephone lines open, and claimed that this one 1 line had never been  cancelled. So it was open and inactive for a year or two, without my knowledge. 

It does not make any sense that XXXX would keep 1 line open, since I cancelled my entire service with them. This means that all 5 lines should have been cancelled as well. XXXX chose not to cancel 1 out of the 5 lines, and now wants me to pay for the duration that this line had been kept open by them.

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 09/27/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: American Express is in violation of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution based on the facts of American Express 's failure to ; conduct a good faith investigation of alleged error and mail the results of said investigation within ten business days of XX/XX/XXXX, American Express did not provide a provisional recredit of my account in lieu of those requirements within ten business days of XX/XX/XXXX, American Express failed to mail any explanation of findings within 3 business days of the good faith investigation that should 've taken place within the first 10 business days of XX/XX/XXXX ( this did not take place ), American Express failed to mail any of the documents that were used to conclude that an error did not occur on my account, American Express concluded that my account was not in error when no such conclusion could not reasonably been drawn from the evidence available to your company at the time of its investigation, American Express failed to provide the verified, certified and complete transaction history that was requested, American Express did not have a reasonable basis for believing that my account was not in error. These are all direct violations of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution. How this all took place is I submitted two payments to them in the amount of {$3200.00} one on XX/XX/XXXX and XX/XX/XXXX, American Express stated they did n't receive the funds. I requested an audit of transaction history and investigation as to where my funds went. They have failed to even attempt to reach me or comply with the stated statute. I stated in the request for the investigation and audit that failure to comply treble damages would apply. When they failed to make any good faith efforts in complying with the statute I sent a demand letter requesting the damages in the amount of {$19000.00} in which they still have failed to even reach out or try to settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Debt has already beeen charged off an company still trying to collect afetr debt has been sold or appropriated or reolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX / XXXX / 2017  I went to a  CitiBank  Branch at  XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . I attempted to deposit cash into my checking account via the ATM. I made the first transaction a deposit of {$600.00}, I then deposited an additional {$180.00} into the same ATM  (  ATM #  XXXX  ). Instead of the ATM depositing the money into my account, the machine gave me a receipt stating " I 'm sorry, Because of technical problems, I ca n't return your cash right now. '' I immediately went inside of the bank and spoke directly to the ban k manager telling her what had happened and asking for her help to get the machine to eject the money back out. The manager sa id that she could do nothing and the machine would be locked until that Friday. The manager had me call a  XXXX  number on the back of my ATM card. with the receipt information. I called that number shortly after and was told that they are opening a case file and that I should call back the next day. The back manager also wrote the missing transaction amount on the receipt of {$180.00}.     I called back the next day and was told that it could take a few more days, each call back since  XXXX / XXXX / 2017  I have been given the same run around. Today when I called in I was told that the investigation would take another 30 days at least and to watch my email for the results. I have called in many times, and never get results. I feel that the companies plan is simply to make me wait until I give up, or I loose me legal options. For me the loss of {$180.00} is a lot, that is a bill or  XXXX  that can not be paid, or food that I can not buy. I really need help getting this resolved quickly.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 've sent many letters to each COLLECTION AGENCY to remove CLOSED ACCOUNTS and to provide proof that i authorized and if they CAN provide proof to send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as the Equifax. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Medical) with USCB, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Our son got injured in the school premises. The school took full responsibility to pay for any bills. However, their insurance took a long time to payoff. So we paid off the USCB on time in order to ensure our credit does n't get affected. A few months later the school 's insurance company paid them the full amount. The amount was paid on XXXX/XXXX/2016. USCB has still not issued my refund till date. They refuse to tell me whats going on and keeps me holding the phone. I just want my money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I sent Experian several police reports as well as a legal settlement agreement between myself and   XXXX   XXXX   stating that all  XXXX  accounts must be removed from my credit file. The information was removed and now it has been re-reported/re-inserted. Additionally, there are more fraudulent inquiries on my credit report when Experian knows someone is using my 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 non-monetary relief
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: Summary : Coinbase failed to pay me {$1800.00} after I sold assets. 
On XX/XX/XXXX ( 14 business days ago ) - I sold Litecoin in Coinbase. 
On XX/XX/XXXX ( 7 business days ago ) - I sold BTC in Coinbase. 

Both transactions show " completed ''. Their website first said " wire delays 2-3 days '', then " 5-7 days '', now " 10 days ''. I am at 14 business days now. They are keeping my money. Repeated attempts on gaining an estimate have failed. They do not answer their phone. 

I wish for them to do the following : 1. If wire transfers do not work - then perform an A.C.H. 
2. If they are unable to perform the above, then redeposit the sold LTC & BTC into my wallets. 
XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Extended Details : > > > > > > > > > > > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Total Loss : {$1800.00} Sold Litecoin XXXX LTC @ {$360.00} per LTC Reference code XXXX Payment Method My credit union.. 
Fee {$25.00} Subtotal {$360.00} Total {$330.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Sold Bitcoin XXXX BTC @ {$17000.00} per BTC Reference code XXXX Payment Method My credit union. 
Fee {$25.00} Subtotal {$1400.00} Total {$1400.00} XX/XX/XXXX XXXX XXXX Completed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Company Regarding : CoinBase XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX-XXXX XXXX@XXXX.XXXX  www.coinbase.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Summary : I executed the above noted trades. One has been over 14 business days. The other, over 7 business days. Coinbase, at first, estimated delays of " 2-3 days '' ; then " 5-7 days '', now " 10 days ''. 

They never wired the funds to my bank. 

I submitted an inquiry via their support website ( they do n't offer phone support ) on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 've got 2 " cut and paste '' replies that state they are sorry and working on it. However, their website states there are only 10 day delays for wire transfers - but it 's been 21 days ( 14 business days - as of XX/XX/XXXX ). They 've apparently sold my holding, stated it 's " complete '' and still are holding my funds with no intention of depositing it into my custody. I tried to call them today & they do n't answer. 
= -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Medical debt) with Professional Credit Analysts of MN, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I joined XXXX XXXX to find out that I had a {$96.00} outstanding debt from XX/XX/2011. I disputed the amount since I did not know about it. After disputing it with both XXXX and XXXX. XXXX  dropped it from my report and XXXX left it on my credit. The company in question : PROFESSIONAL CREDIT PO BOX XXXX XXXX, MN XXXX ( XXXX ) XXXX The above agency contacted me after I disputed the amount and wanted money. I told them to send me a copy of the bill and I would review it and pay if I thought it was right. I also stated I would not just send them money not knowing what it was for. I never received the statement or bill from this agency. After a month I did not recieve anything so I filed another request to XXXX to inform them that this needs to be investigated because I have received no information regarding this bill. Again they left it on my report and the same company contacted me wanting money with no documentation. I stated to them that I will not pay for this without documentation and that they need to remove it from my credit report because I have never received documentation for this bill. They stated that is not how this works. Another month has gone by and I still have not received any paperwork for this bill. They have updated XXXX and stated it is still due. Attached is the only information I have ever received which is off my credit report. Professional Credit has never sent me ANY documentation on this bill even after I have asked for it twice and told them I am disputing 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 04/25/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a previous complaint against Seterus but after reading through a little more of the XXXX correspondence they have sent in less than a week, Seterus needs to back up and back off. They are sending extraordinarily aggressive, demanding, and unprofessional correspondence especially considering they do not have the facts of this matter and even more especially considering that I have no clue who this company is. 

The 'backing up ' is they need to introduce themselves and present me with information and documentation on who they are and under what authority and authorization they are contacting me. It sure could appear to be a scam when someone aggressively contacts you demanding thousands of dollars and making aggressive threats if do not pay it immediately. If it is legitimate, I would assume there should be documentation from XXXX as one of my outstanding issues with XXXX XXXX XXXX is they never provided such documentation and also were barking orders ... 

So once Seterus, or more like XXXX, provides that information, then Seterus can open up discussions and this is then we begin addressing the fact that the information they have is incorrect as already mentioned in the previous complaint. 

Based on the correspondence received, I am very suspect that Seterus has violated rules and/or regulations as you ca n't just start flooding people with correspondence and making extreme demands and threats and especially without proper documentation too all aspects of the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: I arpled for an count with XXXX and was approved but they pull my cridit XXXXtimes when it just be XXXX time so now it 's on my cridit report XXXXtimes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017

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 12-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Someone deposited a BAD check into my account which caused my account to become close to the bank of America. This is the 2nd time I 've had Identity theft with one of my accounts. I am having a hard time opening an account. I have a steady income with a good paying job and I need a bank account. I 'd like this to be resolved since I waited for over 3 years hoping that banks would look at my background and know that I have a job and steady income and NEVER been involved in fraudulent activity. Please help me!!! I 've never had any fraudulent activities happen in any of my accounts until this occurrence.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: NAVIENT and XXXX have made it difficult to repay the loans they have requested and exuberant amount per month stating that I do not qualify for income based repayment which I do n't understand because I 'm a single parent with a teenager in XXXX. And when I tried to send what I could afford they said it was not acceptable. So I keep putting the loan in forbearance because I ca n't afford the payments and they make it difficult to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently sent a letter to XXXX and Experian asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel XXXX and Experian to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. 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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Navient ( formerly known as XXXX ) refused to release any substantial evidence on my loan while it was being paid for. They would only release my monthly statement and refused to issue in writing any records to indicate all transactions made to date so I could reference the paperwork to determine if I was being charged an accurate amount on interest or if my payments were being applied to the principal correctly. This does not seem to be legal as it negates in my ability to insure my loan is being treated fairly.

Company response to consumer: Closed with explanation