milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Almost daily automated calls leaving messages they call " courtesy '' call about a debt that I do not owe as it is not and never was mine. I have no overdue bills, no cosigner obligations, nothing of the sort. The automated calls state " This message is being left for '' [ what sounds like ] XXXX The message states that this is a final call before action is taken, mentions attorneys and a case number. The number on caller ID is XXXX and shows XXXX XXXX, TX as the originator. I called the number and asked who they are and why they are calling me and the person hung up on me when I pressed them. This has been going on for months, though not quite as frequently as it has of late.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Other debt) with AFNI INC. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX put on all 3 of my credit reports that I owed them {$1100.00} in XX/XX/XXXX, with XXXX XXXX, which I disputed, due to the fact that I have the XXXX signed receipt from XXXX XXXX showing they received their equipment back on XX/XX/XXXX, so it was removed, then XXXX XXXX put in back on all 3 credit reports the same {$1100.00} again with XXXX XXXX in XX/XX/XXXX, which again, I disputed with my same records, and it was removed from all 3 again. Then XXXX XXXX put in on all 3 of my credit reports again for the {$1100.00} on XX/XX/XXXX with AFNI, by changing the original opened date to XX/XX/XXXX which on XX/XX/XXXX, I hired an attorney with the XXXX XXXX XXXX, in XXXX Texas, whom took my {$250.00} retainer, never had me sign anything, never followed up with me to this very day, phone number XXXX, which I sent them all the information I had showing it was an open and shut case of my rights with the FCRA, and when I was able to get ahold of them myself, I was told they sent AFNI a certified letter to asking them to remove the it from my XXXX credit report, as I believe that is the last one it still remains one, as it was removed from the other 2, but all that happened was AFNI lowered the amount to {$350.00}, saying it was now for prorated services I owed. From my understanding, once it was reported that I owed the {$1100.00} the first time, months after they had already received their equipment, which is what I was told the balance was for the first time, they broke the law? Then to do it again with XXXX XXXX, they broke the law again, just to do it a 3rd time, by changing the date the account was opened, which was almost a year after I have proof they had actually received their own equipment back, then broke it again, by just changing the amount and I have disputed this myself at least 15 times, and Ive paid for an attorney that has failed me as well. This has now been going on for over 2 and a half years of ruining my credit, my name, and stress you would not believe. I been on meds now because they just keep getting away with it. And when I called AFNI, they even told me that if it was at their collections agency, then they knew it had already been through the other 2, because they are the last of 3 collection agencies XXXX XXXX uses. I know I am not the only person this has happened to, I 'm sure. But I dont know what else to do. Disputes dont help, when I have all the actual paperwork, and documents showing they received it before it was ever placed in collection the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: On XXXX XXXX 2017 - I wired a balance of {$3000.00} from my CoinBase/XXXX Account to my XXXX XXXX Checkings account. The transfer is labeled as completed however my transfer never came in. 

XXXX XXXX is not responsible as the transaction has not been initiated. The funds remain under XXXX XXXX however the transaction is shown as complete. 

I 've emailed support.coinbase XXXX different times. I have opened cases with them and it 's been XXXX business days and I have not heard back. I also opened a twitter account to direct message them about the issue and I 've been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was talked into taking out XXXX loans to attend XXXX ( a XXXXXXXX XXXX campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX let who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: Dear XXXX Equifax XXXX XXXX I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with ECMC Group, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hi, I received a phone message from someone named " XXXX '' ( sp? ) supposedly from a company named " Premiere Credit XXXX XXXX XXXX '' calling on behalf of the " Indiana Department of Revenue. '' The phone message did not leave any details, but instructed me to call ( XXXX ) XXXX. They also gave me a reference number. 

I called back. First of all, it was VERY difficult to get through. LONG hold times, and kept wanting to have me leave a message, which made me wary. 

Anyway, when I got through, it was very confusing. It was hard to understand the person I was talking to ( perhaps calling from some foreign country? ), and they were not clear about why they were calling me with the exception of the fact that ( they said ) it had something to do with the " Indiana Department of Revenue. '' They asked me for my social security number, which put me on guard. But then, the woman I was speaking to HAD the last four digits of my social security number and asked me to confirm. She also had my middle initial. That 's when I became highly suspicious and ended the call. Sounded like identity theft to me, and I was n't going to talk to them any further. The woman I spoke to did not give me a clear idea of what she was calling about. 

I have no idea what business the " Indiana Department of Revenue '' ( which I highly doubt it was ) would have with me. I live in Minnesota, and have never worked in Indiana. The last time I was in Indiana was during the XX/XX/XXXX, on a car trip with my parents. 

My only conclusion is that this is some kind of identity theft operation. I hope you 're able to get to the bottom of it. I will also be contacting the actual Indiana Department of Revenue to report this scam, as well as the attorney generals of Indiana and Minnesota, and the Better Business Bureau.

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 02-07-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Last year I received in the mail an unsolicited credit card from Chase Bank. The card required my activation which I withheld as I did not want the credit card. I promptly forgot about it and then about 3 weeks ago I received a telephone call from Chase advising me that they suspected that my account had been used ( or had had an attempted use ) that appeared to them to be fraudulent. I explained to them that I did not have an account or credit card with them. I explained that I had received an unsolicited card but had never activated nor used it and that I do not want it. They replied that I should contact the XXXX major credit rating agencies to explain what had happened. Yesterday I received a form letter from Chase stating that their internal investigation cleared me from any responsibility for the fraud and that they had so notified the XXXX credit agencies. 
I then though of the XXXX XXXX incident in which employees were opening credit card accounts for people just to get the bonus. Could it be that Chase is also guilty of that? 
Please look into this. I have never applied for an account of any kind with Chase bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received a state tax lien in 2011 and it was immediately paid. NY state removed the account from my experian and equifax credit reports last year, but left it on trans union. 

This is impacting my ability to get a car loan and refinance my debts. It is also impacting my ability to change jobs.

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 01/30/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: It has been two months that I have been asking for verification, still have an unverified account from MIDLAND FUNDING LLC. I had previously disputed this account. I have never done business with MIDLAND FUNDING LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MIDLAND FUNDING LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDLAND FUNDING LLC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: O n  XX/XX/XXXX , I filed  a complaint with the FTC against  XXXX . This issue was supposed to have been resolved.  XXXX  sent me a device return packet and all devices were returned in   XX/XX/XXXX .  On   XX/XX/XXXX ,  I received a collection notice from  Diversified Adjustment Service on   XXXX   XXXX  behalf for {$1200.00}. I canceled the plan with  XXXX  in   XX/XX/XXXX  and  returned the devices so nothing further is owed. FTC  Complaint  ref #  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with Altisource Portfolio Solutions, S.à r.l. (TX).
Issue: Settlement process and costs

Complaint: This is the 5th or 6th complaint on XXXX/Altisource for this fraudulent behavior. Can you please, please investigate. It continues and it gets worse! 
The house has been improperly and illegally foreclosed. 
Stolen payments, from Chapter XXXX, many different servicers, and in-house modifications. 

NOW THE NEW PROBLEM ; I HAVE A RELOCATION AGREEMENT THRU ALTISOURCE TO VACATE BY XXXX XXXX AND RECEIVE {$4300.00} TO AVOID EVICTION. I HAVE 4-5 E-MAILS CONFIRMING, ON SATURDAY XXXX XXXX/ALTISOURCE EMBARRASSED ME AT HOME IN FRONT OF MY NEIGHBORS WITH A CONTABLE SERVING ME AN EVICTION AND COURT DATE. 
How can this happen in America? This was a malicious act and done purposefully by the some or all of the above parties. The money ( XXXX ) is a drop in the bucket to the amount they have stolen, insulting completely. The amount stolen of the payment history and trustee report is XXXX XXXX. The amount added to modification is approximately XXXX ( un-justified and never explained ) NOW COMES COURT DATES AND XXXX TAX ISSUES. 
I will attach emails.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Company called family members disclosing information about debt and threats of consequences. AMEX should NOT be calling my parents at all at this point! Normally they are only allowed to contact a XXXX party XXXX time and only to obtain current contact information and not to discuss ANY details of the debt and certainly not to collect it from anyone other than the account holder. Calling repeatedly is technically illegal and very much against FTC guidelines according to the FDCPA ( Fair Debt Collection Practices Act. )

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: not sure I see some inquiries on my report, that I did not do

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 09/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Since XXXX XXXX, I have attempted to obtain an estimated fixed repayment plan. I have been told they do n't give out fixed rate info in writing but can give it verbally. This has caused me issues with obtaining a mortgage loan. Without this information the lender is using 1 % of the total loan as a fixed rate. I am working on a XXXX that has been difficult to complete. My loan amount is $ XXXX. There is no way I would ever be able to afford a {$1900.00} or a $ XXXX XXXX payment. There is no negotiating with the fixed repayment plan. {$1900.00} places me at almost 50 % of my income. I am on the XXXX XXXX XXXX XXXX XXXX they suggest that I come off & get a letter for fixed, place in forebearance, & change it back. Although this will not help with payments that I have made under the public service plan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Payday loan debt) with Servatus Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I completed a fraud package with XXXX and sent it to them. XXXX sent me a letter stating that they would remove the account from my credit report. At one point it was removed. Credit Solutions has placed it back on my report with a fraudulent date of XXXX XXXX, 2013. The previous debt is over 8 or 9 years old.
Credit Solutions is using fraudulent means to collect a debt. Credit Solutions Cor Opened XXXX XXXX, 2013 - {$260.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. Balance {$260.00} Highest Balance {$260.00} Opened XXXX XXXX, 2013 ( 4 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information CREDIT SOLUTIONS CORP

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Wells fargo has been fraudulently debiting my business account for $ XXXX since 2012 for a service that was never authorized. I contacted them about a year or two a go and they told me that they will remove it. I believed them and i moved on. I recently realized that there still fraudulently debiting my account for the {$10.00} fee called - XXXX XXXX monthly that i have no idea where it came from. I contacted wells Fargo again and this time i demanded that they investigate the charges and stop charging my account. They completed their investigation and confirmed the charges were never authorized and therefore fraudulent. I asked that they refund the $ XXXX they have taken from my account since 2012 and they said no they can only refund me {$120.00} for 12 months.

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 12-06-2017 about Debt collection (Mortgage debt) with Rent Recovery Solutions (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX opened the account on XXXX XXXX, 2012 ( 4 yrs, 11 mos ago ) following my acceptance onto permanent XXXX I was told I no longer was liable for the amount through their management agency. 

Please remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: Our loan was sold by Loancare to XXXX XXXX in XX/XX/2017. Loancare has continued to deduct payment by ACH from our checking account. Two of those payments were forwarded on to XXXX XXXX ( posted late ). Loancare is continuing to withdraw funds and are holding the funds. When contacted they said that they do not have the funds, and that they are not deducting and that we must have set up bill pay thru our bank ( which we do not have and copies from the bank reflect such ). I have called and e-mailed their payment dispute e-mail both mortgage companies and neither have responded. I have also contacted the bank to request that the funds be retracted and all future withdrawals prohibited, but the errors are persisting. 


IN ADDITION, Loancare has been not been posting previous payments in full. They are short by {$5.00} each month ( possibly since the loan opened ), and are not posting payments as of the first of every month, which enables them to collect additional interest. Payments are being deducted twice a month for mortgage payment due the following month. Why is it that they payment is coming out in the prior month, yet they do not post on the first, but post between the XXXX and XXXX of the month?

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