milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX   XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX   
Original Creditor: XXXX-XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX  
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX   #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX   (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.

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 02/28/2017 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My account was transferred from XXXX to Messerli & Kramer collections. They are authorized to a soft inquiry of my credit report, however they did a hard inquiry which is affecting my credit history. 

I have contacted experian and they said they were unable to assist me, so i contacted Messerli & Kramer and they said it should be a soft inquiry and they can not control how experian reports it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (IN).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have an account with Coinbase. On XXXX XXXX, 2017, I sold XXXX for the amount of {$1100.00} ... I have yet to have this amount credited to my account ... it is still pending. Today is XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Renew Financial, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX XXXX, my husband 's identity was stolen and a cell phone was opened with XXXX XXXX - account XXXX. The phone was active for 5 months and went delinquent. One year later, we were contacted by a debt company - the issue was rectified as we filed a police report ( XXXX, Oregon Police Dept. ) and file all necessary documentation regarding the false identity usage. On XXXX XXXX, XXXX, we were contacted by Renew Financial ( XXXX XXXX, Ext XXXX ) to again collect on this 12-yr old debt and threatened with legal action. Also, when documentation was requested, I was advised " it is too old and paper information would be shredded by now ''. He also stated notifications were sent via regular mail ; we have not received any paper correspondence. I was also told that this debt would likely be 'sold ' again and could be contacted again for collection. The only way to get 'rid ' of this would be to appear before a judge. I responded I would report them for selling bad debts and wrongly harassing consumers. Calls on XXXX XXXX included ( 1 ) from XXXX XXXX XXXX ; and ( 2 ) XXXX Renew Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: They claim I owe XXXX and have not show any proof of original sign contract. U.s. department of education located in Tennessee.

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 12/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (SC).
Issue: Other transaction problem

Complaint: I received a refund from XXXX XXXX on my old XXXX XXXX account that was already closed at that time. XXXX XXXX received and kept the money without denying the transaction. I have the ARN number for this transaction. 

Claim # XXXX ARN # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with JH Portfolio Debt Equities, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The company called XXXX XXXX XXXX contacted me about nonexistent debt and wanted me to provide my social security number and other personal information. They told me that my debt was for a doctors appointment on XXXX/XXXX/XXXX. I called my doctor and they said I had no debt and nothing was ever sent to collections. The phone number for XXXX XXXX XXXXC is 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 11/16/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: On XXXX XXXX XXXX, I applied for a XXXX XXXX rewards prepaid card on this website : XXXX XXXX XXXX The online system was not able to confirm my identity, so after calling their customer support team, I was told to fax a copy of my SSN and DL. On the XXXX, I faxed the document, triple checked that the fax number and card id were correct, and made sure the pictures were enlarged and brightened per their instructions. 
I called in the evening to check on the status and was told the fax was not received. I confirmed with the fax system that everything was properly sent and received. I followed up on the XXXX and XXXX, but the fax was nowhere to be found. So I had to fax it again and this time they received it. I then called many times to have them look into their system and find the missing fax, but they could n't even do it. I 'm really concerned that all my personal data is out there, and they ca n't find it. They even told me to keep an eye on my accounts to make sure nobody was using it. Nobody should ever have to fax such confidential data, especially to a service with such lax scrutiny.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: this XXXX CARD Account Number XXXX Account Type Credit Card was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: I completed heloc modification with bank of america on XX/XX/2015.I noticed the following months that the loan did not reflect my new terms or payments.Bank of America miscalculated my interest and has overcharged me.Bank of america has yet to complete their process. Due to BOA actions and lack thereof it presently appears that I am delinquent for 9 going on 10 cycles and my credit scores has been drastically affected.I have been trying to resolve this since XX/XX/2015.

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 07/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After running my report for Experian at XXXX on Saturday XXXX XXXX 2016 on line the site went down causing me to loose the report before I evan had a chance to look at it. Can you please mail it to me at my home address, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX " OR '' Preferably, give me the ability to go back it to pull the same one up again so I can view and and if needed file any disputes, Please help me, Thanks, XXXX 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 11/17/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was on XXXX XXXX status last year for the XXXX and Navient kept raising my interest and demanding payments after I submitted an XXXX XXXX deferment on the student loan payments. At one point during XXXX XXXX I was under so much stress about the situation that I went to the military 's XXXX XXXX clinic. After I came back from XXXX XXXX, I started dutifully submitting the payments under the military 's student loan repayment plan. It took months of trying to contact them, but I eventually got in contact with someone in their department who is supposedly Navient 's representative to the military and resolved the issue and lowered the interest and corrected the payments. But I still have the documents from them demanding payment and raising interest while I was on XXXX XXXX status. Even though they made the financial corrections, they caused too much stress for me and I believe they did me harm that has to do with a health issue. It took me months of contacting them before we could even begin to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding XXXX accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I recieve notice the bureaus with out cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 

XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00}

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 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in XXXX in regards to this issue and have not heard back from XXXX, XXXX and Transunion. They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of XXXX being breached. I even had to call to remove addresses that I 've never lived.

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 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I had the Citi card accounts for the past 4+ years. After hurricane Irma I had notified Citi Card regarding my short delayed of payments +obligations because of hurricane Irma and my financial situation has been deteriorating in results of that. When I paid off the balanced in full of all my cards with the Citi, and after that they terminated and eliminated all my credit limit with them. The bottom line, they have been misleading, defaulting me regarding credit and all communications with 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 non-monetary relief
Consumer complaint received 02-05-2018 about Debt collection (I do not know) with Aldous & Associates, PLLC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Whether I answer or get a voice mail from this company, it is a woman 's recorded voice that says the company is Aldous & Associates and this is an attempt to collect a debt. I never get to talk to a live person if I actually answer this call. Whenever I call the number they leave, I am told they have no records for my phone number ( that they just left yet another message at ) and to try and answer the call immediately when I see it on my phone so that I can talk to someone. It never works. I have never gotten through to a real person through their calling me. It is just a recording. I call the number and have talked to a younger sounding man named XXXX several times and he says I need to just keep trying to answer the incoming call immediately to get through to someone to find out what it's regarding. This has literally been going on for two months now. I speak to XXXX about every week. He said maybe next time we can block my number. It is very alarming to keep receiving debt collection calls. My credit is over XXXX ( at last check ) and this company can not even tell my what they are calling me repeatedly for. I have checked my credit report a few times in the last couple of months, and all looks well. I do not see any unpaid payments, etc. 

They call me from XXXX XXXX XXXX and I'm told to call them at XXXX XXXX XXXX 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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of XXXX XXXX pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my Sagestream report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my Sagestream with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to XXXX XXXX to make a decision simply for a store card seems to be illegal in my opinion. How can XXXX XXXX do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!

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 03/22/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: LVNV FUNDING EMPLOYEE XXXX XXXX HAS STATED TO ME THAT BY LAW LVNV DOES NOT HAVE TO SUPPLY A STATEMENT ON A DEBT I'AM SUPPOSE TO OWN, NOR DO THEY HAVE TO KEEP IN HOUSE RECORDS. I 'VE ALSO BEEN INFORMED BY LVNV THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE WAS CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed a XXXX XXXX account and requested validation but only a statement which I can not used to validate. Please help assist with obtaining the initial signed contract and more details on the charges on this account so I can research this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I WAS CHARGED XXXX IN 3 MINUTES ON XXXX/XXXX/2016 AND NEVER RECEIVED THE XXXX CREDIT REPORTS BY TRUE CREDIT/ TRANSUNION . ATTACHED YOU WILL FIND A SCREENSHOT OF THE {$29.00} THAT WAS DEDUCTED FROM MY ACCOUNT. THIS COMPANY HAS ILLEGALLY TAKEN MONEY FROM ME AND DID NOT PRODUCE THE PRODUCT THAT WAS SUPPOSED TO BE FURNISHED.

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 04/28/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/2016, I was contacted by someone trying to pose as XXXX, which is a legitimate company. They reached out via email to me and stated that they would send me a check for {$1700.00} which I was to deposit and and use for when I acted as a mystery shopper ( I have all of the email and text correspondence saved and can be submitted at your request ). ON XXXX/XXXX/2016, via USPS priority express 2-day mail, they sent me instructions on my role as a mystery shopper and a check for {$1700.00} ( I have the check, both in hard copy and electronic form that can be submitted ). The postage account was to a company called XXXX LLC with permit XXXX XXXX. They tried to cut off the return address but it is labeled as " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX-which is the address for the XXXX. I deposited the check into my bank account on XXXX. Due to my concern that this was a scam, I did not proceed until I saw the money in my bank account, which occurred on XXXX. On XXXX, I went to the Walmart on XXXX XXXX XXXX, XXXX IL to send {$1400.00} to XXXX XXXX, in XXXX TX, XXXX via MoneyGram. The reference number is XXXX. On XXXX, I was notified by my bank that the check was not real. I contacted Moneygram but the money had already been received. I spoke with my bank but they were unable to stop the payment or retrieve the money since it had already been distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with WELLS FARGO & COMPANY (DE).
Issue: Billing disputes

Complaint: On XX/XX/2016, I received a response from Wells Fargo about my account Project Visa XXXX and XXXX today XXXX. The response did not address any of the issues that I raised.The investigator just wrote a short response and printed a bogus transaction history. She claimed that I was 180 days late, but the history did not show that. The history showed that I paid in timely manner.

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 04-04-2017 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: My son enrolled at XXXX. XXXX conn. Financial aid applied my sons name to the " student loan " portion of the loan at the cost of approximately 20,000.00 $ Financial department then applied my name, ( mom ) to what they called co- signer on " parent plus '' loan for balance of tuition, at the cost of approximately 38 -? Thousand dollars. Through the course of the next 18 months we had to reapply 3-4 times?? Very confusing. All parent and students had to do this. My son graduated and entire loan in a lump sum is in my name only? XXXX $ a month? My son could not afford that amount on his entry level salary of XXXX an hour. My son just passed away XX/XX/2017. I would like to know what legal options I have?

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with LoanLeaders of America, Inc. (WA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX from LoanLeaders did not have my permission at the time he pulled my credit report at XX/XX/2016. He offer me a really good interest rate on XX/XX/2016 via e-mail. I accepted the offer and I fill out the mortgage application. Everything was good for a week. I have seen the loan estimate form, interest rate. I paid for the appraisal {$530.00}. The next day he called and said DTI ratio was too high. His new offer was 2 times more than the previous interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief