milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was shocked when I received my credit report and found late payments that I did not recognize. I'm not sure how this happened, I believe that my account got merged with someone else 's account. I have made my payments on time. 

Alleged Missed Payments 1. XXXX XXXX : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks. 

2. XXXX XXXX/XXXX  : I was never 120 days late. Please update to Paid as agreed, never late. 

3. XXXX/XXXX : I was never 30 days late. Please update to Paid as agreed, never late. 

4. XXXX/XXXX  : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks.

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 HYUNDAI CAPITAL AMERICA (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and me traded in our old vehicle XX/XX/XXXX, from XXXX of XXXX XXXX XXXX, and leased a new vehicle from the same dealership. At the time we traded in the vehicle we were due for our XX/XX/XXXX payment. We understand all payments are our responsibility to make, but when we trade in a car we expect the dealership to pay the old car off within a reasonable time frame. XX/XX/XXXX, I receive a call from XXXX XXXX XXXX stating our XX/XX/XXXX payment had n't been made. I advised XXXX XXXX XXXX that we no longer owned the vehicle and Kia of XXXX XXXX XXXX should have paid it off. I then call Kia of XXXX XXXX XXXX, to inform them the car has not been paid off. I also informed them that now my wife and my credit report reflects a 30 day late. Kia of XXXX XXXX XXXX, informed me that they will provide us a letter to send XXXX XXXX XXXX in order to have our credit reports corrected. I 'm sure Kia of XXXX XXXX XXXX is in some type of violation for not sending the payoff timely. Instead of providing the letter from Kia of XXXX XXXX XXXX to XXXX XXXX XXXX, I disputed the issue with the 3 Credit Bureaus at the beginning of XXXX. 2 of the 3 credit bureaus changed the 30 day late from XX/XX/XXXX to XX/XX/XXXX. My wife and me no longer owned the car as of XX/XX/XXXX, therefore we are not sure why we received a 30 day late, in a month we only owned the car for 11 days. One of the bureaus removed the 30 day late altogether. I called XXXX XXXX XXXX,XX/XX/XXXX and informed them of the issue. The lady I spoke with stated my account ( XXXX ) did not reflect a late payment. She then advised me to dispute the issue with XXXX XXXX XXXX and they will make sure the 30 day late is removed. I disputed the 30 day late with XXXX XXXX XXXX around XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX stating " The disputed information is accurate as reported. '' I called XXXX XXXX XXXX XX/XX/XXXX and inform them of the letter received. The lady ( XXXX ) that I spoke with, needs to be a manager if she is not already. She was so calm on the phone, she was able to keep me from going off on her, even though I my issue was not resolved and I hung up on her. XXXX stated that it was still our fault since we sign the contract that we will make all payments on time and that we need to have KIA of XXXX XXXX XXXX call XXXX XXXX XXXX to have the late removed. I 've attached all the documents I sent XXXX XXXX XXXX, which includes the letter from KIA of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (PA).
Issue: Managing, opening, or closing account

Complaint: I have a prepaid rushcard, I have n't received my last XXXX paychecks. Every time I call they apologize and guarantee that it will be fixed by XXXX XXXX but it 's lies. I have n't received my money since XXXX/XXXX/15 and I have a shutoff notice for my electric tomorrow and my rent is late. I need help please

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint with the reporting agencies stating that the stated Delinquent account reflecting as an FHA Mortgage Loan-XXXX XXXX XXXX is inaccurate. According to FCRA and Public Record Law the subscriber has to show proof on demand of the inaccurate information. The agencies have refused to provide the verification. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (LA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I requested XXXX with XXXX XXXX XXXX close my account over 90 days ... they kept charging me late fees and lying saying they were closing the account also with the XXXX card through XXXX .I would like to be reimbursed for late fees I have paid since my accounts were not closed 90 days ago as requested. XXXX took over the XXXX XXXX XXXX account without my knowledge, ... I have received another late fee and unknown charge for my XXXX XXXX XXXX card.

XXXX is deceptive and is stealing from me by refusing to close my account timely and charging me fees. I would like the fees and charges refund to me since 90 days ago ... when the initial request was made they threaten by harming my credit score if I did n't pay fees I know I did not accessXXXX XXXX XXXX XXXX ... phone number associated XXXX XXXX XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I lost my job and had a hard time paying off my credit card. I tried to resolve this by contacting Wells Fargo but they never responded or helped me. Eventually they let charges stack well past my actual credit limit and then sued me for collections. 

A lot of mistakes and over charges were happening which compounded the issue even further.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX , Transunion,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
<P/>
 XXXX  1.   XXXX   XXXX     XXXX   accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   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 explanation
Consumer complaint received 05-01-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or about  XXXX ,  2017  I was informed that I had to appear in court on  XXXX   XXXX ,  2017  to answer a Complaint for Damages. I do not have a recollection of owing a debt. Furthermore the alleged debt has no standing in court as the statute of limitations has run, the affidavit submitted in support does not identify an account number associated to me, and the company  Calvary SPV I LLC and a ttorneys  XXXX ,  XXXX  and  XXXX  knew or should have known that this is a zombie debt and this is a form of harassment knowing that the law suit filed can not be maintained. How many law suits like this are being filed. Below I have listed the name of the company and attorneys addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Please see case number XXXX. I continue to get calls. I called and asked to speak to a supervisor and he said he could not help me unless I gave him my SSN.

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. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: My credit information and reports have been compromised by virtue of the Equifax data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Equifax credit report investigation is being requested at this time. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XXXX 2017 and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.

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 12/16/2015 about Debt collection (Medical) with Diversified Consultants, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Reviewed my credit report and see that there is a medical debt that appeared on my credit report from Diversified Consultant. First, I do not have knowledge that I received notification of this debt to dispute the validity of this account. Second, they have an opening date of XXXX 2015 which has lowered my credit score. I have not been in the hospital or doctor 's office for several years. I need them to change the opening date to the date of service, but first they will need to send me a letter so I can review the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Customer service / Customer relations

Complaint: XXXX XXXX has frozen all of my accounts ( which were established in XX/XX/XXXX ) and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX ( which they are requiring the customer to fill and sign ), however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX C/O XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX and XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XX/XX/XXXX since I received a raise in XX/XX/XXXX, which means reported income in XX/XX/XXXX will be higher than the income stated on my XXXX tax return?

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with GCFS, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: The first contact with me on this debt, I asked which debt it was but never was clear as to the original debtor and the amount. It was an old credit card debt and since it was small I was willing to work with the company to make payments if it was truly a debt I owed. They had contacted me when I was out of town with my ill father, so I asked if they could contact me when I was back at home and could verify what they had told me. They stated they would call me back to make arrangements and NEVER DID. I never received a phone call or any type of process service until after I was sued. Apparently, they served me by mail, however because my father was ill and I was helping with him I was staying with my parents. If I would have received any type of legal document I would have made it a point to go to court, there is no way I would just not show up if I knew I had to be in court. I would think there should have been some type of communication or work out prior to taking me to court and there was no such phone calls after the one first call.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Debt collection (I do not know) with Frontline Asset Strategies, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the collection agency is Frontline Assets Strategies. 
They repeatedly call and ask for some female about a debt. 
I 've told them I have not idea and ask if they even check their sources before calling people They admit they do n't do any research or investigation or any kind of vetting before they call. 
XXXX XXXX attorneys have sued them many times for this type of reckless behavior towards the public.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX ( XXXX ),XX/XX/XXXX ( Equifax ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX XXXX XXXX as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXXI sent a validation letter to XXXX XXXX XXXX XXXX XXXX with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called Equifax and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TD BANK US HOLDING COMPANY (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I have had this Nordstrom credit card for year. I always pay my payment on time. One month in XXXX Nordstrom reported me 30 days late. They reported me late because Apparently I did not make the full payment so they say. I made the payment through my mobile app when i made the payment the mobile app had the amount due of {$95.00}. The {$95.00} is what was paid. Days later the app told me there was still {$98.00} due so i paid this on the XXXX of XXXX. Which still is not 30 days late. I went into Nordstrom to make a purchase and the cashier told me i could not use the card until a {$10.00} payment was made. This is when i made the payment with the cashier on the XXXX of XXXX. Once i made the payment i asked why, and she explained that i did not make a full payment and XXXX was what was not paid. I explained to her my mobile app had one amount due and logged me off then when i check days later it had another amount due. She told me to call the XXXX number to see why and make sure everything was ok with the app and she recommend me removing it and adding it back on. when i called the representative said the system may have been down, or was being fix on. Later when i made my payment for XXXX i was charged a late fee and i did not know how. I paid what my mobile app told me to pay, in a way i feel the information should be accurate. I have paid my Nordstrom bill every month on time. If i was late no one notified me? This is derogatory information hurting my credit. If i would have never went to the store i would have never known i needed to pay {$10.00}. I would like for them to remove this information because i have paid my payment each month and never skipped a month. If the payment was short {$10.00} the app is the reason and i should not be penalized because their system may have been down that day. I disputed it with Nordstrom and they sent me a letter but the information was still inaccurate it went from late in XXXX to late in XXXX. I disputed it again and it went from late in XXXX to being late in XXXX. i am writing CFPB to seek help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: - Initiated a withdraw ( via bank wire ) of {$10000.00} USD on XX/XX/XXXX at XXXX. 
- A {$25.00} was wire transfer fee was deducted from the the total. 
- Wire is shown to have been completed, however, as of this writing ( XX/XX/XXXX ), the balance has no

Company response to consumer: Closed with explanation