milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: University XXXX , CTXX/XX/XXXX Discover Student Loans verbally harassed and disrespected me. They called me at inappropriate times, they hung up the phone on me, they stole money from me, they gave me the run around, they reported my loan to collections. XX/XX/XXXX they overcharged me on student loan payments. The charged me late fees when I was n't even making any real money. I signed up for an Income based repayment plan and they took out more money than was authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would. I ended up waiting an additional 2 weeks for XXXX refund. They stole more money out of my account a second time and I had to wait another 2 weeks for a XXXX refund. They never gave me a fair chance at paying off my student loan. I have complained numerous times XX/XX/XXXX and here we are XX/XX/XXXX with no help. The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. I think I got harassed because I do n't have a white sounding last name, or because Discover Student Loans has a history of illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (TN).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX. 
I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time.

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 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Unlimited Progress Corp (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had a " unpaid '' late collection agency claim put on my credit report for {$540.00}. This is for a bill from the  XXXX   XXXX  of  XXXX . I have NEVER been to this place. This has been done by a company named :  Creditors Discount & Audit -   XXXX   XXXX   XXXX   XXXX  -  XXXX ,  XXXX   XXXX   XXXX  Account #  XXXX  This is NOT my bill. I want this removed immediately!     Thank you ;

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I submitted a certified letter to Trans Union on XXXX/XXXX/16 in reference to XXXX XXXX XXXX placing a derogatory mark on my credit report. I requested proof barring my signature from the original creditor from when I opened this installment loan and if those documents could not be provided/verified in a timely matter that account should be removed from my credit report ... Trans union sent no such documents but that derogatory mark still remains 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 09-12-2017 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: Account information incorrect

Complaint: My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX department store and made payment arrangements to bring the account current. I explained that XXXX would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday X/XX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and XXXX will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with experian but was not able to dispute it online with XXXX  and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by 35 points.

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 09/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I started with this mortgage company in 2007, after the death of my husband. Since I have been with them they have refused to refinance this adjustable rate mortgage, they are adjusting it more than every 12 months. Plus the company has changed their name XXXX times. They have not sold the loan, they have changed their name. It started out as XXXX, then they changed to Vericrest, now they are trading under Caliber Home Loans. Since I have been with them, they have charged late fees unsubstanciated. They never put an amount on any of their statements or their website as to how much the late fees would be, If I paid the mortgage on a Friday via the internet, it would not post until that Monday to my account. If Monday fell on the XXXX or later, they charged a late fee. I questioned them 2 years ago about what their late fees are, and how and when they were charging them. They sent me a breakdown from their own records, that showed XXXX lates on my record, but they have me owing them {$390.00}. Whenever I asked to speak with a manager they were either never available or someone would identify themselves as the manager, state they would look into it, and never call or write back. They also reported me late to the credit bureaus several times { I think to justify not refinancing me }, but eventually had to remove it from my report. It has been exhausting dealing with this company, the Attorney General 's Office has advised me to get an attorney, as well as contact your department for assistance. I have every monthly statement, as well as correspondence from them since 2007. I will attach the important ones, and hope something can be done. The last supervisor I spoke with there told me it was perfectly legal to charge a late fee if they do n't post a payment before the XXXX, no matter when I pay it online.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I withdrew XXXX from Coinbase at XXXX on XXXX XXXX 2017. It is now XXXX on XXXX XXXX 2017. The funds have still not been transferred to my bank account. The transaction shows as pending on their system. Coinbase have failed to respond to my requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avadyne Health Holdings, Inc (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (I do not know) with Focus Holding Company (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Focus Receivables Management has contacted me several times to collect a debt for XXXX. Each time I call back they tell me they are trying to reach someone else and not me. I have asked them to stop contacting me that I do n't have XXXX and have n't in over 7 years. Each time they tell me they have no record of me contacting them back to ask to be removed. Spoke to them again today and was told I would be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015 there is no date of last payment, there was not a payment made on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For the XXXX time in three years credit reporting agencies have fraudulently reported information on my credit report that is inaccurate or erroneous. The first occurrence was in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) who inverted XXXX digits of my SS # and added the persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by XXXXIn XX/XX/XXXX TransUnion made the identical error by inverting XXXX digits of my SS # and added the same persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by TransUnionMy Complaint is against the credit reporting agency TransUnion for negligence on their part with not confirming the information they report is factual. Transunion 's negligence resulted in my credit score declining by over XXXX points and a credit card account being closed for poor credit. This cost me personally and professionally by having to spend to date XXXX hours to dispute and attempt to correct and have this this avoidable and erroneous information removed from my credit report. This matter is still not completely resolved with Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: While living in North Carolina around XX/XX/2011 I considered filing for bankruptcy. I sent for the paperwork and submitted it and then was told the information was incomplete and could not go further. At the same time I received a good job offer and decided not to pursue the bankruptcy any further. I thought the matter was closed when upon review of my credit report, I find that the bankruptcy was listed as dismissed. On 3 different occasions I wrote to all XXXX reporting bureaus asking that this be removed. I did so using certified mail and each time the response was the same, they ca n't do anything about it and so it has to stay on. I have gone to great lengths to rebuild my credit since XX/XX/2011 and returning to the work force yet this error keeps hanging over my head. 

Please have it removed from all credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft and sent affidavit stating such. I have numerous inquiries that I did n't authorize. 

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 01-06-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ocwen starts calling after the first of the month, prior to my payment due date, and do not stop until the payment is processed. I have my payment on auto pay from my bank. They said the calls are mandatory because, their " investors '' have deemed it so. I was given the option, that if I allowed them to draft the payment directly from my bank account through their website, the calls would stop. If this is " technically '' legal, I think that it is barely so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX of 2015 I discovered that I had been and continue to be a victim of identity theft. I then reached out to each reporting agency ; TransunionXXXX to get a copy of my most recent/updated credit report so as to find and then dispute any information that would be deemed either inaccurate or of a fraudulent nature. I have called and spoke with over XXXX represenatives ' within Transunion 's Fraud department through the past months including XXXX supervisors in disputing multiple accounts on my report. Through out this process, I have also tried to dispute over XXXX fraudulent inquiries to which Transunion adamantly refuses to dispute with these companies on my behalf. They claim that Transunion views an " Inquiry '' as statement of fact and therefore refuses under any and all circumstances to remove said inquiries. I have had multiple fraud alerts and even an extended fraud alert currently on this report in addition to it being " Frozen '' for the past couple of months. There is no question and even Transunion has deemed this " indisputable evidence '' of identity theft yet they still refuse to help. Also, I currently have ( XXXX ) medical collections to which I have disputed numerous times and even now Transunion will not allow me to further attempt any more disputed with these companies under any parameters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with CITIBANK, N.A. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted this collection agency in regards to the debt. I was asking questions about the credit reporting guidelines and I tried to ask the representative for the validation of the debt, because I paid this off directly to the original creditor prior to being placed in collection. I never received notification via mail that this debt was owed originally. As soon as I started asking for proof, the representative became short, told me he had to go, refused a transfer to a supervisor and refused to supply a name. The behavior exhibited by this agent confirms my suspicion that this is a fraudulent debt when I asked for proof. I 'm requesting I receive written validation of this debt from the original creditor including a payment history as this remaining balance was paid. I request the derogatory mark be removed from my credit report until I receive these documents to my correct address.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just checked my current credit report, and I realized I was hit with a HARD inquiry back on XX/XX/2017 by this company : CBC INNOVIS, Mailing address at XXXX XXXX XXXX XXXX, PA XXXX. 

I don't ever recall doing an inquiry of some sort what's so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Before moving to XXXX XXXX in XXXX of 2012, I opened an checking account with Citibank in XXXX XXXX XXXX near my home. I opened this account because they convinced me that I would be able to use my XXXX account at ATMs in XXXX and elsewhere in XXXX. I deposited {$1000.00}. I moved soon after so never received a statement but I did receive an ATM card which I still have. I also have had a Citibank XXXX which I still use. 

I was not able to use the ATM card as they promised, in XXXX nor in XXXX where I now live. But when I attempted to link my Citibank XXXX to my checking account ATM, my phone conversation with a Citibank representative informed me that they had no record of my account ever existing. All I had was my ATM card number but I was never given a statement so I had no account number. They had no record of my account number even though they had issued the ATM card attached to the account. 

I traveled to the XXXX last XXXX and went to the same XXXX XXXX branch. The customer service manager named " XXXX '' first check the XXXX Found Money database to see if my money had been returned to the state, but it had not. She saw my ATM card number and said that they had paper records in the back room that they could go through, and would give me a call. I never received a call before I had to return to XXXX. I have tried calling the branch on numerous occasions but calls there are always forwarded to Citibank corporate, and they have no way yo connect me back to the customer service manager I met at the branch. So my money is gone and they have given me no recourse.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Never worked for " XXXX XXXX XXXX ''. Worked for XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Previous work history does not include this real estate company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Debt collection (Auto debt) with Duncan Solutions, lnc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received at letter dated XX/XX/XXXX Notice of Assignment to a Collection Agency for {$75.00} for a violation of toll crossing XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX. It stated Ca XXXX XXXX XXXX crossed the bridge without paying at XXXX hours. We have never owned this vehicle or crossed the XXXX XXXX on this date. I called XXXX of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX today at XXXX A.M.and she stated she would take care of the account # XXXX and delete the charges. I have also sent a followup letter to the company in question. As a retired XXXX XXXX employee I researched the company and found several fraudulent activities alleged against it. 

As a senior citizen and retired XXXX XXXX I would like to file a formal complaint against this company who are clearly trying to bilk California 's out of their hard earned money. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation