milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Resurgent Capital Services L.P. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: So I had a credit card I applied for with XXXX XXXX XXXX, I was making my payments each month and then my wallet was stolen and I reported the card lost or stolen. It was some unauthorized charges on my card and the representative told me that it was nothing she can do about it. I told her I would like to close my account then and not have a card with them anymore since they were not willing to take care of the fraudulent charges on my account. The representative told me she would close it out and I owed an balance of about {$65.00} on the card. I told her I would pay it to send me a final bill. I did not get a statement and around 2 months later I started getting calls from them everyday harassing me 6 times a day every single day saying that I owe them hundreds of dollars. Owe them for the fraudulent charges and also for the interest and fees they were adding each month on my statement as well as the monthly charge and then late fees. I told them I did not owe them that as my account was supposed to be closed and that I should not have to pay hundreds worth of dollars for nothing. I did not even make any charges but the amount was steady going up and up and they continued harassing me. I disputed with the company and they told me that nothing was false and that I owed the debt but I did not, I was not even using the card did not even have a card so how could my balance go from {$65.00} to over {$70.00} with them adding fees to my account every month and not closing it out. They have ruined my credit score as well as my payment history that I worked so hard to establish all for greed and the willingness to not help me. I am quite disgusted with this company and I am absolutely fed up with them ruining my credit and also my reputation for something they should have resolved and did not want to take responsibility for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Fraud or scam

Complaint: Hello, I went to deposit USD from my coinbase account from coinbase.com, to my bank account as im low on money. They charged me instead of giving me the XXXX dollars, making me overfraft, and the money that was taken out is not showing up on the app now! Im super frustrated and out of options and I could really use some help. They took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Trans Union is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately from my Trans Union credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Debt collection (Mortgage) with Seterus, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2012, I completed a deed-in-lieu of foreclosure and was discharged of the mortgage debt of the property located at XXXX, IL. I am now being contacted by the company Seterus , Inc, a debt collection agency. Seterus claims that I am in default on my loan for this property and that I owe them money. I have sent them the warranty deed in lieu of foreclosure several times to prove that I do not own this property and that the debt was discharged, but they continue to send collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX attempted to reach out to me about a debt that was owed to XXXX XXXX XXXXt. However, to my knowledge I had no outstanding debts the creditor.

When I called XXXX XXXX to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX  and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.

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 02/18/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: MIDLAND FUNDING placed an account on my credit report that is NOT my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had asked for an extention when for when I was to start paying my student loans back. They said they were going to grant me a forbearance for 1 year because I was on public assistance. A while later they had started marking me as non payment. I noticed this on my credit score. I called and they gave me the runaround. They said they were going to look into it. Then they determined the proper procedures were n't followed to maintain the forbearance. I did everything they asked me to do. It is on record that they stated I would not have to start paying the loan back for 1 year. They started reporting non payment after about 4 to 6 months later. After talking to them again, they put it in forbearance again but would not remove the derogatory marks from previously. I even started my payments early. This is through nel net.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (KS).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I just went through 7 months of application for a HAMP modification with US Bank. I am a XXXX and sometimes do n't have work in the winter months. I got behind a few months on my mortgage payments and was approved for the modification on XXXX, 2015. During this time US Bank kept sending statements for payment, assessing late fees, and making bad reports to the credit bureaus. I spoke with my representative, XXXX XXXX, about the XXXX week of XXXX to tell her I would not be able to make my XXXX payment and that the XXXX may be late. I reminded her of this when I spoke to her at the end of XXXX telling her I expected a paycheck around XXXX XXXX. I did n't get it on the XXXX and called to let her know that as soon as it arrived I was going to send in the past due amounts. I finally got the check on XXXX XXXX. I got a cashiers check for XXXX - XXXX - and XXXX and sent it. I called her the next day to let her know the check was in the mail. We signed and sent the acceptance form for the HAMP modification. About a week later, we received a letter from US Bank saying we were disqualified and not approved for the loan modification. The letter said the reason for the revocation was because the mortgage was no longer delinquent. At no time were we told that paying the past due amounts would get us eliminated from the program. I kept them well informed that I was trying to come up with the funds. Had I known, I would have kept the money and put it toward a new furnace. Ours broke last XXXX and needs to be replaced. We have been trying to keep warm this winter with only a wood stove in the basement. Sometimes it 's only XXXX degrees when we get up in the morning. We also need the roof replaced. US Bank says they will not take any responsibility for them tricking us into being disqualified. They claim the modification was figured to include the delinquency and any change to those figures nullifies the deal. I did the fiscally responsible thing by paying when I could ; I should not be punished for mistakes they made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I tried to disput info from my eqiifax report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes 40 minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another 20 minutes. They repeat the first guy. I finally get one supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call Equifax like Equifax guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from one recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In XXXX 2015, I filed several disputes with and against Equifax with the CFPB. 
Prior to investigating and resolving the disputed issues, Equifax sent a credit report dated XXXX XXXX, 2015, showing no actions were taken in regards to the disputed items. I again disputed the inaccurate items and requested a copy of my Equifax credit report showing the correction were completed. Equifax is refusing to send my a copy of my corrected credit report and credit score. Per Equifax I received my free annual credit report on XXXX XXXX, 2015, which I did not request a copy of my free annual credit report I disputed inaccurate information on Equifax credit report. Under the FCRA I am entitled to a copy of my credit report showing the disputed items have been corrected and no additional information was changed during the process and Equifax is refusing to sent a free copy of the report. The consumer should not have to pay to see correction that were created by the very same credit reporting agency. This is a scam to charge the consumer to see a corrected copy of their credit report and a clear violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : XXXX Balance {$190.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made many attempts to contact Transunion to remove the XXXX account from my credit file. This account does not belong to me. I have been a victim of identity theft and Transunion is reporting several addresses that do not belong to me as well. These address includes XXXX XXXX, XXXX XXXX, NY XXXX and XXXX XXXX, XXXX, ID 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 12-11-2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Billing disputes

Complaint: This letter is to complain Chase freedom credit card. 
My account number XXXX Name on the card : XXXX XXXX. 

Chase freedom provided me XXXX INTEREST on purchases which expire on XXXX/XXXX/2015. 
I paid my balance in FULL {$8500.00} on XXXX/XXXX/2015. 
Chase charged me interest {$110.00} XXXX {$6900.00}, APR 18.99 % ) on XXXX/XXXX/2015. 

I called Chase customer service XXXX XXXX XXXX to resolve this interest charge middle XXXX after I received the billing letter. Eventually I was transferred to a supervisor. Let me list our conversation briefly as follows : me : My record showed I called you and was told there will be no interest if I pay off before XXXX/XXXX/2015 supervisor : No, it expired in XXXX. 

me : I DID call you and was told there will be no interest if I pay off before XXXX/XXXX/2015. Can you tell me when did I call you? 
supervisor : Yes, you called sometimes in XXXX. 

me : Yes, I called and was told there will be no interest if I pay off before XXXX/XXXX/2015. 
supervisor : Why did you call us to confirm the expiration date? You should go find the paper and check the terms? 

me : I called just want to confirm the expiration date. I think it is part of credit card service. Can you waive this interest charge? 
supervisor : No, it is final. 

me : Can I talk to higher level person about it? 
supervisor : No. what can I do for you next? 

me : Please cancel this credit card for me. 
supervisor : OK, I will process your cancellation. 

Next, let 's talk about my records. 

My records showed that I called both Chase and XXXX XXXX on XXXX XXXX same day, same hour, and the same purpose. I called to confirm the expiration dates respectively. 

I called XXXX XXXX ( XXXX, my account ending in XXXX ). My calling date and purpose was confirmed. 

Please find attached picture of my phone system which showed I called chase XXXX XXXX XXXX XXXX XXXX, 2015. 

Please find other supportive documents with this letter as well, such as bank account record, etc. 

Thank you for your attention! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with Financial Management Solutions (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, a rental application submitted denied based on inaccurate information contained in XXXX, XXXX XXXX XXXX XXXX XXXX consumer database. 

Although not registered with CFPB or the state of Maryland XXXX, XXXX XXXX XXXX XXXX XXXX referred in their denial letter doing business as a credit reporting agency but refused to follow the FCRA and validate allege debt. 

On XXXX XXXX, XXXX, I immediately reached out to XXXX tried to obtain a copy of my credit report. In addition, asked if XXXX was reporting a collection item in the amount of {$3200.00}, for FMS Financial Solutions dated XXXX XXXX, XXXX. 

FMS Financial Solution reported inaccurate, knowingly false information about in regards to an allege debt. FMS Financial Solutions failed to FRCA and notify consumer of allege debt and give consumer an opportunity to dispute and ask for the debt to be validated. 

All parties involved XXXX, XXXX XXXX and FMS Financial Solution refused to follow the FCRA and provide FMS contact information XXXX current address, account number, name of company that placed debt in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (WA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was charged XXXX for a fine I should nt owe because of the other collection agency did n't Honor there paper work. So iv been paying at least {$1000.00} over the amount I was so posed to pay.Then I was charged for atleast XXXX extra charges because of the failed paperwork that was due by them. I feel exhaust XXXX and Frustrated and I 'm tired of paying XXXX county, wa over and over for the same thing 's when I payed, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TransUnion keeps changing my social security number on their file. This has been going on since XXXX 2013. I send them copies of my driver license and my social security cards to fix it. They fix it, then it gets changed again. This is preventing me from getting a place to live, as places can not check my credit.

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 12-06-2016 about Debt collection (I do not know) with Designed Receivable Solultions, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DESIGNED RECEIVABLE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, CA XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DESIGNED RECEIVABLE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DESIGNED RECEIVABLE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 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: On XXXX I sent a document to Equifax Requesting proof that they had verified several accounts on my credit report prior to reporting the information. Since that time I have sent 2 additional requests for this data, which they have not provided. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Please direct Equifax to promptly remove the unverified items from my credit report. 
Thank you very much for your help.

Company response to consumer: Closed with explanation