milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Debt collection (Medical debt) with Certified Bureau of the South, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I truly do n't believe these credit bureaus such as   XXXX   are taking their consumers concerns seriously. I have been disputing  2 medical debts on my credit report for the past two months. Everytime it c omes back that the debt is proven to be vaild. I then requested a copy of my credit report. I call the collection agency and the date of birth that they have on file is not the same date of birth on my  XXXX  credit report so how can the debt be valid? I dont believe this situation has been investigated at all because if it had been investigated the debts would have been removed from my credit report just for the simple fact that the date of birth does n't match up. The collections are as followed ;  Certified Bureau of So  Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX   XXXX   XXXX   XXXX   Balance : {$230.00} Certified Bureau of So Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX    XXXX   XXXX   Balance : {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Amex put me on a payment plan using ACH withdrawal from my checking account for {$230.00} a month and they have already taken out XXXX 's payment. This morning I got a call from their collections department saying they have no record of that payment plant and that I owed them approx {$2400.00} immediately. The conversation became heated and resulted with me hanging up the phone after they continued to state they had no idea what I was talking about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hi I was billed around 1200 USD for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was   XXXX    hospital in NJ,   XXXX   .
This was on  XXXX  2015, I agreed onto a payment plan, then it was given to collection agency.
The agency sued me and caused major dip into my credit history.
I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country.
Please let me know how you can help me and I want to pay this amount.
Please help me to restore my credit rating.
All my mortgages, credit card payments, bill payments are in time.
In last 7 years I have never faced such issue, please check my credit history.
The Collection agency is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  NJ  XXXX  Thanks  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with P.S.C., Inc (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I lived in an apartment for 3 years, noone did a walk through when I moved in, and the XXXX managemant company to take over the apartments just 60 days or so before I vacated wants to hold me to the terms of a lease I never signed. The XXXX in XXXX, WA representing the XXXX in XXXX, WA. Despite repeated attempts to contact them regarding this unfair charge, they sent me to collections for charges I do not legally owe. and ignored my XX/XX/2015 email asking for the charges to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other fee

Complaint: I was charged an nsf fee because they allowed a transaction to go through when the funds were not available. The charge has not posted to my account as of yet, still pending and still charged me a fee.

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 10/30/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Central Financial Control stating that I owed {$99.00} to XXXX XXXX XXXX from XXXX/XXXX/XXXX. I have already once disputed debt with Central Financial Control which was removed now 3 years later I am receiving correspondence for the first time about another debt owed. This debt is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Payday loan) with National Principal Group, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This debt collector has called me numerous times from a private number, contacts every single member of my family numerous times, and has called me at work. They even called my oldest daughters boyfriend, who has never been affiliated with me, on a phone number he just received 3 days ago. I have told them to not call me again, I do not owe this debt and the calls keep coming. They are now stating that they have a case against me and they want my home or work address so they can serve me papers. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Sin ce 2014 w hen I graduated from  XXXX   XXXX . I was inf ormed that Navient would be my loan servicer. Unfortunately this has been nothing but a headache. I had only started working this passed year. Between then and now. Navient has harassed me about my loans. They have even called daily if not twice a day. I also suspect that they have use many times a autodialer or robo dialer. On top of the harassment by Navient. The reps I have spoken to have never tried to put me in to any income based repayment plans. Furthermore there has n't even been any discussion of any options I may have. They just kept pushing me in to forbearance after forbearance. It was only after I had spoken to another company did I find out that I have options. It has come to my attention that there are a number of law suits against this company I have even wondered why an injunction has n't been filed against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I currently reached out to Experian because I am in the process of fixing my credit and I noticed I have a lot of inquiries on my report that I do not recognize. They failed to do anything about when asked to remove them. 

I provided the list below XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 06-08-2017 about Debt collection (Other debt) with Glass Mountain Capital, LLC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Upon a credit check review for a mortgage qualification I was made aware of a collection account for   XXXX   XXXX   XXXX   in the amount of {$1100.00}. I contacted   XXXX   XXXX   XXXX   to get more information and was transferred to Glass Mountain Capital Collection. The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX   who sold it to   XXXX   XXXX   XXXX   which hired Glass Mountain Capital Collection. I told both Glass Mountain Capital &   XXXX   XXXX   XXXX   that I never purchased or did business with  XXXX  and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Around XXXX of this year I received a letter from a collection agency stating that I owed the XXXX {$600.00} for an unpaid citation. I have never received any letters from XXXX Government about this. I spoke to my niece and learned that the citation was for a parking violation. Her car is in both our names. She also told me that she was paying the citation off on a payment plan to the same collection agency. I had her call them. They told her that they were going to combine both cases together as it was for the same citation. They also told her that they would be sending me a statement and that she was to hold off paying until they sent the billing statement to me. I included all this information in the letter that I sent them and mentioned that they can not collect twice for the same citation. On XXXX I received a letter from them which ignored all the information in my letter to them. They stated that I owed them {$600.00}. My niece is still paying them for this citation. The agency has clearly failed to combine our accounts as they said they would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/14/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (FL).
Issue: Problems when you are unable to pay

Complaint: I have an auto-loan with U.S. Bank and regularly make my payment via the U.S. Bank iphone app. I made my XXXX payment via the iphone app as I had for the past year and a half. According to U.S. Bank, when I attempted to make my XXXX payment, I entered my paying bank account number incorrectly. However, there was no notification whatsoever at the time via the iphone app. From my perspective, the payment went through as it had for the past year and a half. I received a call over 2 weeks later from US Bank telling me that my payment did not go through. I immediately made payment over the phone. Despite this, they still charged me a {$35.00} late fee. I believe it is an unfair and deceptive trade practice for US Bank to make no notification that the payment did not go through at the time of the transaction through its app, and then to turn around and charge a late fee. I spoke to a manager at US Bank, explained the circumstances and the fact that I have always made my payments on time, and they still charged me the late fee. I am sure other consumers have been similarly placed in this situation and that US Bank is making a fortune charging consumers late fees - lulling consumers into believing that their payments have gone through via their app, and then charging them a late fees when there is an input error ( it is still not clear to me whether the error was caused by the input system itself, or me ).

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 07/26/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Comenity Capital reported to the credit bureaus that my account was late in XXXX of 2017, when it was not. I contacted Comenity Capital and they apologized for the error, but said the only way it could be fixed was to dispute my pay history with the credit bureaus. I did that, and Comenity Capital told the credit bureaus my account was delinquent in XX/XX/XXXX. I called Comenity Capital back and asked them why they verified the delinquency when it was an error, and they could not give me an answer. They said they were sorry, but there was nothing they could do. They said I had to dispute it with the credit bureaus again. This just is n't right. Comenity Capital has the control over the information they report to the credit bureaus, not me. It should be their responsibility to report correct information, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX  MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX XXXX   struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear CFPB, XXXX XXXX XXXX, XXXX, Transunion, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the XXXX loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to XXXX XXXX be mailed to me. I am asking XXXX XXXX to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and 3 personal loans in my name in the state of Nevada. Now there is another loan. With XXXX. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to XXXX XXXX XXXX XXXX To all 3 credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that XXXX XXXX operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.

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 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX prevents my credit usage information to be pulled into XXXX party apps like XXXX XXXX etc. 
I have a right to my charge information via external reporting tools. 
Please investigate and respond, Thanks, 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 01/14/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Other service problem

Complaint: In short I 'm locked out of my Coinbase account and I 've tried many things to re-gain access to it. Here 's the context : On XX/XX/XXXX, I broke my cell phone. 

On XX/XX/XXXX, I purchased a new cell phone. And activated it with the same phone number as the previous, now broken, phone. This phone number is also the one tied to my Coinbase account. 

On XX/XX/XXXX, I tried to login to my Coinbase account. But I learned I was locked out my account because I lost access to my XXXX 2factor authenticator app due to the broken phone. Meaning, I still have my Coinbase password, but I no longer have 2fa codes needed for 2factor authentication because the XXXX authenticator app codes were on the broken phone. 

Coinbase offers an Account Recovery Process for such a scenario, i.e., when you do n't have access to your 2fa codes. The Recovery Process requires entering your phone number in order to receive Verification code via SMS, which in turn allows you to proceed to further steps like uploading your ID. 

There seems to be a glitch in the Coinbase Account Recovery Process because I do n't receive the SMS Verification code in order to proceed to the later steps. 

I tried the Coinbase Account Recovery Process several times, in different browsers and after clearing my browsing history and cache. And nothing I did worked. I still do n't receive the SMS verification code and I can confirm that I rcan eceive SMS messages from many other sources. The problem is on Coinbase 's end. 

On XX/XX/XXXX, I submitted a Support request. And I received an automated response email from Coinbase in return. 

On XX/XX/XXXX, I then received a follow-up note from a Coinbase representative. And the representative 's note showed a complete lack of digging into my issue because it did n't speak to my specific problem, but rather general talking points. 

On XX/XX/XXXX, I responded and reiterated what the exact problem was ( of not receiving the SMS verification code ). 

On XX/XX/XXXX, I called Coinbase 's Support telephone number two times. In total I waited over 2 hours without ever having spoken with a human agent.

On XX/XX/XXXX, I emailed the Coinbase Support in the email thread and notified the representative that I could n't get through to a human agent. And soon thereafter, I received email from the Support rep saying : " Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as  soon as we have an update. '' It 's now XX/XX/XXXXover a week of being locked out of my accountand my issue is still unresolved. In the interim, I 've reached out to XXXX XXXX on XXXX, I 've continued to try to communicate with the Support representative in the email thread but I have n't received any updates, and I 've sent a separate email to the CEO, XXXX XXXX. 

Which means I 'm still locked out of my Coinbase account and thus can not access my money. 

And I 'm feeling helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX reported wrong information to XXXX. They reported XXXX wrong addresses, wrong criminal history, and they counted XXXX of our closed/paid off monthly financial details ( {$460.00} ) towards our current monthly payments.

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 07/13/2016 about Credit card () with STERLING JEWELERS, INC. (MA).
Issue: Other

Complaint: i wrote a certified letter to Kay Jewelers in XXXX XXXX asking them for any information and documentation proving the chargeoffs and lates for account ending in XXXX and they responsed in a letter to me they sold the account, it is no longer owned by them.and they have no info on me- they sold the account XXXX XXXX sent this letter to XXXX and XXXX in XXXX XXXX asking them to delete the account because they have no documentation to prove this alleged debt then.XXXX, XXXX put in a dispute and kay jewelers responded to the disputes stating it was accurate and to leave it on my credit report. i have disputed this account many times with XXXX, XXXX and each time kay jewelers states it accurate. IF this account is accurate then why cant they produce documentation to me. they have violated my rights under the FCRA also they stated they sold it in XXXX then why have they updated my credit reports charge off and lates as recent as XXXX XXXX XXXX each time they update it makes it seem like a recent chargeoff and my score goes down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: We have submitted an offer back in XXXX 2016. The loan servicer ( bayview ) said they need to do a land and interior appraisal before they can review the offer for a decision. This process has been delayed and ongoing for over 7 months. We feel the loan servicer has mid handled this file and is probably out of compliance with their review time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Auto debt) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received several phone calls from various numbers from this company. The last inappropriate call was received at XXXX on a Sunday. I do not owe this company any money.

Company response to consumer: Closed with explanation