milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 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: My identity and personal information was stolen in XX/XX/XXXX. For months, I have battled phone calls from creditors and collections for accounts that were not opened by me. I 've had to work with these companies in order to close these fraudulent items. I have also had to file identity theft affidavits and police reports in order to get these things off my report. This has caused a huge amount of emotional turmoil in my life because of the fraudulent information showing up on my report. I am filing this complaint because there is a total of 31 inquiries on my Equifax credit report that I never made nor authorized. The person or people who stole my information have been making credit applications all over the place which has negatively affected my score. I am including a copy of an identity theft police report from the XXXX XXXX Police Department with more details on my identity theft. The following inquiries need to be deleted immediately as it was someone else who stole my identity that was making them : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX - XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I purchased an speaker and I told the guy I wouldhave to come back and get it because XXXX too big to fit into an car a truckwould have to pick it up I told himI would call him if i could n't get a truckand if so will he just give me an refundi asked all of this before i purchase thespeaker he agreed. I called the next day talk to thegirl that works with him I think its it his girlfriend shesaid he was n't in and she would tell himi want to cancel the transaction she said ok ikept calling him i would be told he was n't inhe only works on Monday so i calledon an Monday still he was never in. 
i disputed the transaction this owner told chase ileft with the speaker that was XXXX feet tall imonly XXXX XXXX tall and it would n't have fit in my carhe presented an different receipt looks as ifit was altered ( read letters ) enclosed in theend he sent in no more than me Chase went withthe XXXX man over me that i took this speakerand left with it he said we took the speakeri went to his store and i have an link of himNOW STATING AS EVER WHITE PERSONSAYS " A TALL XXXX UNKNOW MAN '' picked up the speaker HE USES THE '' THE BLACK '' CARD EVERY RACE USETO GET OVER! Your Exe. XXXX XXXX whoI feel is very Prejudice as he wrote mea letter stating HE WILL NOT GIVE ME ACREDIT I called and called this man overand over he never returned a phone or didhe answer the phone I sent him the video link tohear this liar that we sent a ramdon tallblack to pick up speaker when hejust told chase i took it with me orHasani did when i XXXX was theonly one to pick it up that iswhy all my info is wrote on receiptSOMEBODY IS GOING TO GIVE ME MY MONEYBACK PLUS ALL FEES OR THE SPEAKERSIM LEFT WITH A BILL AND NO ITEM THATWILL NOT WORK TODAY OR NEVERI WILL BE SENDING PAPER WORKSMALL CLAIMS SUEING CHASE FORSTRESS DOCTORS BILLS PAIN & SUFFERING MISSED WORK DAYS FOR THETOTAL AMOUNT I CAN SUE FOR $ XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with Credit Corp Solutions Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Caller stated that they were from Credit Corp and would not give a mailing address or their License number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While checking my credit report, I noticed TransUnion has telephone numbers listed that I demand be removed from my credit file. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2016 about Student loan (Federal student loan servicing) with URS Holding, LLC (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Enterprise Recovery Systems called my employer asking for personal information. I am unaware of how they received my employer 's phone as well as where I am employed as I have not been employed there long. They had previously called my personal phone earlier that day and when I was unable to pick up they immediately began to call my work without me even hearing the voicemail from my personal phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other service problem

Complaint: Coinbase ( Coinbase.com ) not helping me since XX/XX/XXXX. 

I lost access to the email address ( email was terminated ) on record with Coinbase. Since Coinbase 's service sends sign-in verifications to the email address on-record, I can not sign into my coinbase account. Coinbase will not assist me in re-gaining access to my account through other means. 

I followed all the steps to reset my account in : https : //support.coinbase.com/XXXX XXXX and then contacted them about it on XX/XX/XXXX.
I still can not access and withdraw my money from the locked account. Since I first contacted them for help in XX/XX/XXXX, Coinbase support only sent automatic answers which did not solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have XXXX accounts on my credit report with Equifax that are in collections status. It 's in reference to a worker 's compensation incident that happened while at work. The medical bills acquired while seeking necessary medical care were n't paid by worker 's compensation in time, thus going into collections and negatively affecting my credit. After contacting my employer 's HR department and Claims Adjusters in order to have the medical bills paid back in late-XXXX/early-XXXX, I just found XXXX days ago ( XXXX XXXX ) that my Equifax credit score dropped a whopping XXXX points due to the very same collections accounts that came back. I do n't know for sure if this is in regards to the data breach they 've recently succumbed to, but these accounts were billed to my employer and thus, should n't be on my credit report any longer, much less able to affect my score and come back to life again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Other financial service (Money order) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Fraud or scam

Complaint: i did depossite my money order in capital one bank XX/XX/2016 and the money is not being clear capital one fraud do n't give answer about why is no clear the money order, i send copy my invoice purshase and return reason by the bank mortgues the officer in charge is XXXX XXXX case # XXXX i being calling her for more 10 days let voice mail. they are not have return my call back or any answer

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with AmeriCollect (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX Hospital fraudulently claimed outpatient XXXX XXXX as Inpatient Services with my Insurer, resulting in a {$600.00} deductible owed, when contacted by myself and XXXX XXXX XXXX stated the account would be taken care of. In XX/XX/XXXX2017 XXXX XXXX notified me there was a new collections account on my credit report, from AmeriCollect originating from XXXX XXXX for {$600.00}. AmeriCollect has NEVER provided me any written notification of this debt and refuse to discuss the account over the telephone, XXXX XXXX states they can not discuss the account as it is now with collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.

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 07/14/2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Balance transfer

Complaint: can not get a transaction listing from Citi. I need a transaction list of my account. The transaction list will show my activity in my account. I believe there is some fraudulent activity, Identity thief or errors in their account receivable and accounts payable. My bank and account will send op to ten years of data, site refuses to send any data. 
I need to check for fraud to end a dispute I think this is the only way to periodically check for hacking of ID theft, banks and other financial institution seem to readily provide their customers transaction information at any time, why wo n't CITI? Such activity allows citizens to assist in law inforcement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, I made a substantial payment to the holder of my second mortgage to the tune of approximately {$370.00}. After that payment was applied, the remaining principal balance was {$1.00}, as evidenced by my XX/XX/XXXX statement. I subsequently paid {$1.00} in XXXX, and the payment was received by the company on XX/XX/XXXX. In XX/XX/XXXX, I received a statement indicating that a principal balance remained of {$0.00}. This would be impossible as my interest rate in around 6 %, and {$0.00} would not accrue on {$1.00} principal in one month. I have contacted them XXXX time since : XXXX times the individual agreed that the {$0.00} was in error ; the last time she said the only way to resolve was a payoff. Frustrated, I ordered the payoff. Although {$0.00} is not a lot of money, if this company handles all clients this way, it is making a substantial amount of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase is not doing what they said they would for under water and people behind on their mortage they did nothing with the arrears did n't not lower my mortgage and they are now foreclosing on my wife and I which we are XXXX. And I have been trying to get a modification and they go up on monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 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: Account status incorrect

Complaint: XX/XX/2013 {$0.00} paid out. It close account it still on my 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 explanation
Consumer complaint received 10-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I recently noticed that the company, Navient, has negatively impacted all my credit report for XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX. I attempted to validate the account as I am unfamiliar with having this account with the company, however, the company has failed to properly validate the account. In a 60 day time frame from XXXX XXXX to XXXX XXXX, I have received at least 3 collection letters from 3 different companies regarding the account. However, only Navient is displaying on my credit report. I have submitted validation request to all 3 collection companies only to not have received a response from 2 of them and it has been more than 45 days. The 3rd collection company is pending validation. Navient, who is negatively impacting my credit, only responded with a one page document that does n't properly validate the account, and refuse to send me additional information about the account. I submitted a 2nd request to Navient for proper validation, but Navient still has not responded. I have included all letters I submitted and received from Navient, and the other collection agencies regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Payday loan debt) with Northern Alliance Management, LLC (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Northern alliance group called saying they were going to notify employer. They wouldnt tell me what loan was for ( amount ) and who it was from. Just what I could pay to take of it. They just wanted me to make arrangements for payment, not interested in sending me information on so called loan. Nor would they give their address and original amount of loan

Company response to consumer: Untimely response
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with POPULAR BANK (NJ).
Issue: Using a debit or ATM card

Complaint: on XXXX/XXXX/2016 I used the ATM machine to deposit cash something happened that the only deposit credited to my account was {$680.00}. {$1200.00} was credited to another account, the transaction between the receipts attached are only 3 mins apart. I asked my bank to help me solve the issue but the branch manager 's reply was " you picked up another ATM receipt trying to get credit for money that is not yours ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XXXX XXXX, 2016 my request for loan forbearance from XXXX had been approved. I received an email stating that. Since that time I have still been getting charged months with interest and late fees. Navient is completely unwilling to cooperate. " Too bad '' was what I was told when I called. How unprofessional. I 've been bamboozled by a company I did not choose to do business with. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: Automatic draft of XXXX submitted bank charged XXXX for returned item, then another XXXX for an over draft. Item retried under automatic and again another XXXX OVER {$400.00} worth of charges.

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 01/13/2018 about Debt collection (Other debt) with Collection Bureau of America Ltd. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent multiple emails to this address listed in this companies website. However I have had no response in trying to verify this debt. This debt has been paid and still no response that the debt was even owed to begin with. It is reporting with missing and in updated information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I volunteered XXXX for my sister. She was going XXXX at XXXX. The XXXX there coordinated for me to undergo XXXX at XXXX XXXX for the XXXX. Upon arrival and registration, the admissions and registration personnel refused to acknowledge my orders from the XXXX office at XXXX to bill them and they in turn would bill XXXX and my sister 's insurance for all XXXX. XXXX then billed me for XXXX and the '' reading '' of results. I sent them copies of my documents from the XXXX XXXX XXXX AND XXXX. They then turned the matter over to AFNI for collections. I again submitted all documents concerning who should be receiving the bills to AFNI for removal from collections and off my credit report. This was over 3 years ago. The items are still on my credit report from 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have asked my mortgage servicer loan care for a modification. I faxed them my package as they requested along with all documents they needed, and I am yet to hear from anyone about the status of my request. The package was originally sent X/XX/17. I called back 3 or 4 business days later to confirm my package was received, and I was informed it was received and allow 30 days for a decision. I then called back XX/XX/XXXX for status, I was asked to send additional items and I did that same day. I was informed then that it would now be sent to an underwriter for a decision since nothing else would be required. I have called back at 1 a week for status and each time I ask to speak with XXXX XXXX who is my point of contact, via a letter he sent. I never speak to him or nor does he return any calls. I keep asking for status, anything an I get nothing but the run around. This company needs to help customers like myself who lost employment and need help. THEY claim to be willing to help. I 've left several messages, no calls no letters nothing. I ca n't keep borrowing money to pay my mortgage. I also cant risk ruining my credit, I work in the mortgage industry myself and I am required to pass background checks to get a job. I ask that this company be held accountable for their service, as a consumer I have rights.

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 03/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for the REPAYE plan on XXXX/XXXX/2016 and had numerous issues with Fedloan servicing and there policies. Fedloan finally resolved my issue and CORRECTLY processed my REPAYE plan today XXXX/XXXX/2016. However, when processing my REPAYE plan fedloan changed my due date from the XXXX to the XXXX without my permission and I want my due date to remain the XXXX and not mess up my {$0.00} IDR payment. Furthermore, I have XXXX loans in GRACE period, according to fedloan I will need to reapply for REPAYE once those loans enter repayment because they can not process an IDR plan with an app older than 60 days. That being said, they are contradicting themselves because they just processed REPAYE today XXXX/XXXX/16 with an app older than 60 days submitted on XXXX/XXXX/2016. Additionally, this is not a XXXX guideline, if I was to reapply for REPAYE I would essentially be recertifying my income which by then WILL NOT change thus re-disclosing the terms of my IDR plan. Fedloan should be able to use the same app and proof of income as per REPAYE needs to be aligned across all of my loans and my income will not change. I want fedloan servicing to process the REPAYE plan on my newer loans that are in GRACE once they are within 45 days of repayment. I do not want to reapply and go through all of this nonsense again. I know my rights and I am very familiar with student loan practices and other XXXX practices and fedloan is not following them. Please make my life easier and do n't make me reapply for REPAYE for my loans in grace when I know you should be able to use the same app since it is in the same repayment period. It is not my fault if your system is not capable of processing functions up to the XXXX standards.

Company response to consumer: Closed with explanation