milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2016 about Credit card () with Alpha Recovery Corp (AZ).
Issue: Other

Complaint: I applied for an XXXX XXXX Card online for less than perfect credit. I was told that they required further verification documents. Since i didnt receive an email from them i decided to call today. XXXX website is said to be financed by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Today i called whom I thought was XXXX, to follow up and see which documents they required and was told that their other " department '' as stated by the representative will handle my call. When I asked the name of the company they stated XXXX XXXX XXXX XXXX. When I asked her if they were affiliated with XXXX she refused to answer the question. She then stated that my account is being serviced by Alpha Recovery Corp, XXXX. When I called that number they said they were a debt collection agency and were attempting to collect a debt. I informed them that I am working with Attorney XXXX XXXXXXXX XXXX Lawyers due to some incorrect and unlawful reporting for this specific account on my credit report. My attorney has made disputes through the credit agencies addressing the miss use of collection reporting by this company. So I feel that XXXX was a cover up company for XXXX XXXX ( Milestone ) who was trying to collect a debt through Alpha recovery and XXXX XXXX without providing validation of the debt as requested through my attorney and from my direct disputing through the credit agencies in the past.

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 10-07-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Making/receiving payments, sending money

Complaint: I set up a recurring payment for my son 's apartment in college. His rent is due the XXXX of each month. I set up the payment for the XXXX of the prior month. On XXXX XXXX, 2015, Citi took {$480.00} out of my account. The apartment complex called me and said they got today 's mail and it still has not arrived. Today is the 8th business day since Citi took the money out of my account and 10th calendar day. I am now going to be charged a late fee at the apartment. I asked Citi to cancel the check. They told me no. They said they will not cancel bill payment checks until 10 business days have passed and that I could call back on Monday to cancel ( Today is Wednesday, that would be 11 business days. ) They also informed me it would cost me {$30.00} to cancel the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. Thank you

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 disputed an account reported by  XXXX   XXXX   XXXX  in the file maintain under my Social Security number with Equifax in   XXXX   XXXX    .  <P/> I received an updated credit report from Equifax on  XX/XX/2017    ( Confirmation #  XXXX   XXXX  showing that the item was deleted from my credit report. A few days later I received a notice from my credit monitoring company that the account was placed by on my Equifax report.  <P/> In accordance with the requirements of the FCRA section  611 ( a  ) (  5 ) ( B ) ( ii  ), Equifax is required to notify me of the reinsertion in writing within 5 business days and I have not received such notification.   ( B ) Requirements relating to reinsertion of previously deleted mater ial ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.  <P/> I have spoken with several different people trying to rectify the situation with Equifax. The first person told me to call back once I had the Confirmation that shows that the item was not reporting on my credit report and it would be removed. The second person said that she was not able to pull up the confirmation number and transferred me to a third person that advise the report was updated on  XX/XX/2017   . I advised that the report updated on  XX/XX/2017    shows it removed but I received another report on  XX/XX/2017    showing that it was added back on my report and no one can give a clear explanation as to what is going on. When asked to be transferred to a manager, I was placed on hold for  1 hour and 37  minutes before I disconnected the call.

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 Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that Experian is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing XXXX accounts, on the summary page of my credit report, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable. 


Under the NOTES section of my credit report, Experian added derogatory notations about my address for which I never gave them permission to do add. They have damaged my credit report with reporting XXXX accounts as LATE PAYMENT AND they furthered added insult to injury by reporting my address, that I have used for over 7 years, as a " high risk '' address. '' I do not understand WHY this company feels so free to report ANYTHING on my account without fear of repercussions. These blatant VIOLATIONS MUST STOP.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Credit Services Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an account reporting on my credit file as of XX/XX/XXXX that is in collections for {$180.00} with XXXX XXXX XXXX. I just turned XX/XX/XXXX of this year. This is not my account. I tried to dispute it online with the credit bureaus today but was unable to create an account due to my age.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (I do not know) with Flurish Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In the year of XX/XX/XXXX my identification was stolen from me. I see on my credit statement that I have a hard inquiry on it from back in XX/XX/XXXX, which I have/had no knowledge about, dont even know what it is or for.

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 Student loan (Private student loan) with GREAT LAKES (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I graduated from the XXXX XXXX XXXX in XXXX. When I left college, I had {$11000.00} in debt. Pursuing an artistic career, I took a series of low-paying jobs, and only paid the minimum amount on my loan. When financial problems surfaced, I would take forbearances. But -- I did make payments. Though I have found the history of my loans on the Federal Student Aid page, I can not find a record of my payments. Do you know where I might get this information? My loan was sold twice -- once to XXXX in XX/XX/XXXX, then to Great Lakes in XX/XX/XXXX. Though I have made many payments throughout the years, my loan has metastasized from {$11000.00} to XXXX, not including the interest, which totals {$8100.00}. I admit that in my XXXX I was not diligent about understanding what I was signing up for. Now, even though I make a solid income, I still run into financial difficulties now and then -- recently, my mother became sick and XXXX XXXX, necessitating a great deal of travel for me. While I pay down that travel debt, I am not making payments on my loans. I despair of ever being able to pay them in full, and question whether that jump from {$11000.00} to {$69000.00} is a legitimate debt. I am attaching the documents I found on the Federal Student Aid page. Is there any recourse? Thank you for reading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, XXXX, a customer of ours transferred {$910.00} to our Paypal account. The same day, XXXX charged {$27.00} for this transaction. Also on the same day, I requested that the money is transferred to our XXXX checking account. Paypal would only transfer {$500.00}. Since then, we are trying to transfer the remaining {$410.00}. XXXX is coming up with excuses. SSN needs to be entered in profile, technical issue etc. None of them has fixed the problem and I still can not transfer the money as of XXXX XXXX, XXXX. As if Paypal was trying to keep it for themselves. They should be punished and forced to reimburse the high fees that they charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
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 filed a dispute with Capital one card about a late payment back in  XXXX  and  XXXX  of  XXXX . I called in  XXXX   XXXX  and wrote a letter in  XXXX   XXXX  after I realized this was listed on my report and asked for it to be removed as I was a victim of fraud with my checking account and had to close account out and it affected making my payments despite the reasonable case that I made, the creditor is acting unreasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ID Analytics, Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I called XXXX and asked how they came up with my score when my insurance card told me we got information from XXXX. I called XXXX and he said we will send you and still now they are not giving me my credit report. I asked and faxed to them 3 times and no one responded till now and i got the fax confirmation letter.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX and Equifax are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Debt collection (Credit card debt) with Client Services, Inc. (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has ignored my request for validation which was sent in XX/XX/2018. instead they are harassing me with settlement letters. They want me to settle a XXXX debt for {$170.00} yet, will not validate this debt as I requested and my right under law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting an account on my credit report that is not mine. On XX/XX/XXXX I received a letter from XXXX XXXX for {$3200.00}. Shocked, I immediately responded to the letter asking for validation of the of the debt because I 've had no dealings with the company nor the company they represent. The company did not reply but put the account on my credit report. I sent another letter and was ignored again. On XX/XX/XXXX I sent a letter to Equifax in good faith asking them to validate this debt with XXXX  XXXX. They responded with a letter saying the account had been verified. I assumed they misunderstood my request so on XX/XX/XXXX I sent another letter asking for validation again. I received a response on XX/XX/XXXX from Equifax saying the account was verified. By who? Where is the proof of the validation that I requested? Per regulations I have a right to see what information a creditor is providing to put a negative item on my credit report. On XX/XX/XXXX I contacted the BBB and XXXX XXXX did not respond. I received the email from the BBB yesterday ( letter attached ). This company is not responding to the BBB or to me, yet somehow Equifax has received verification ( still not what I requested ). This company is not responding because they can not proof this debt is mine. Equifax is refusing to remove a debt that can not be validated. Not only did XXXX XXXX ignore my request, but so did Equifax. This is a violation of my rights and needs to be removed from my account. The amount of {$3200.00} is not a small amount that Equifax can ignore the company providing proof of the debt. Where is the signed contract or anything for that matter? Due to lack of proof XXXX and XXXX quickly removed the debt at my first query. I feel Equifax is being negligent in pursuant to the FCRA and allowing abusive practices by XXXX XXXX. I have worked hard to maintain a good credit file and after serving my country for 16 years, I find this is disturbing. I ask the help of the CFPB to assist in stopping Equifax from victimizing me. XXXX XXXX # XXXX for the amount of {$3200.00} needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Accelerated Financial Solutions, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ACCELERATED FINANCIAL SOLUTION # XXXX this account has been resolved and was supposed to be removed from my account.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt that has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (NJ).
Issue: Account opening, closing, or management

Complaint: I have a CD maturing at Ally Bank in 2 days. I called to renew it. 
XXXX told me she would renew a 5 yr CD @ 2 %, with a 2 month interest penalty for premature withdrawal. I asked her to put it in writing ( email ), she said she could not. Her word is good enough??? Are you kidding?? 
I suspect they are lying on the phone.

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 03-02-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (OR).
Issue: Fraud or scam

Complaint: I held $ XXXXusd with Coinbase.com I made a withdraw request to have the money deposited into my checking account via XXXX on XX/XX/XXXX the transaction showed " complete '' I never received my money from coinbase. I have made 7 attempts to contact coinbase and they have provided me with no answers. 

I have now read hundreds of complaints of customers dealing with this issue. 

I feel like there is some serious fraud according with coinbase.com I have Case ID : XXXX from coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Other debt) with ATG Credit, LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company has not provided any information as to the debt but has reported it to the credit reporting agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MI).
Issue: Trouble during payment process

Complaint: I asked ditech to waive a late fee applied to my account in XXXX via a QWR because I never received the notice of a rate increase and their site was down on XX/XX/XXXX ( a Sunday ) when I tried to log in to confirm my payment amount. I sent in my regular payment that did not reflect the increase and it remained unapplied, my account considered late. I received a notice of default and threats to foreclose. I send in the difference with my next payment and filed a QWR requesting they waive the late fee because I did not receive the notice and their site was down onXX/XX/XXXX. Ditech agreed to waive the late fee in their response to my QWR. 

Each month I log onto ditech.com to confirm my payment amount and today found a transaction dated XX/XX/XXXX titled 'reallocation ' that backed out months of payments and the XXXX late fee. It appears these payments were not reapplied to my account because my principle balance increased from {$120000.00} posted onXX/XX/XXXX to {$120000.00} ( an increase of {$1200.00} ) reallocated onXX/XX/XXXXand I was assessed another late fee. 

XXXX I called customer service for an explanation and to correct the reallocation. XXXX waived the additional late fee added to my account and confirmed the increased principle payment shown online matches their systems. She could not explain why backing out a {$33.00} late fee would increase my principle balance by {$1200.00}. Nor could she correct the problem. 

Given Ditech ( formerly greentree ) reputation, I am of concerned of being accused of defaulting even though my mortgage is current and losing my home because of an administrative error on their part. Given the customer service reps insistence that an principle balance increase of {$1200.00} is correct in waiving a {$33.00} late fee, I dont expect Ditech to behave within the law. 

I appreciate your assistance in correcting Ditech 's administrive error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: In addition to contacting me, they are looking up phone numbers of relatives and people with the same last name as me. People whose numbers I would never give out.

Company response to consumer: Closed with non-monetary relief