milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as XXXX, equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Federal student loan) with Performant Financial Corporation (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This is the third time I 've had to contact CFPB about a student loan that went to collections and I 'm trying to set up a payment plan. Case # XXXX AND XXXX. The last correspondence from Preformant Recovery XXXX XXXX informed me the policy had changed and I could sent the XXXX. This was faxed along with the first page of his letter. That was the first week of XXXX 2016. I than called XXXX XXXX and was able to leave a voice mail for him on XXXX XXXX informing him of the fax sent yet no written correspondence of a payment plan. I 'm trying to repay what I owe, but working with Performant Recovery is challenging. Is it their intent just to garnish wages than actually work with you? I have a file folder of all the correspondence which is over XXXX '' thick where I 've repeatedly sent letters and the required documents without any results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Since the beginning of my loan I was making payments towards interests for my loan with  XXXX . Later we had a mishap with my credit card and this led to me finding out that my payments were n't going towards the interst as originally planned with them. They charged me interest on top of interest and finally when I get ahold of them they told me  XXXX   and Navient had split up and they split my payments without me knowing and my   XXXX   account was being paid. This led to a drop in my credit and huge increase in student loan. I have managed to settle with   XXXX   but I 'm still paying high interest with Navient due to this. I was never informed or contacted of this situation or these event occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MI).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XX/XX/XXXX cbna sears XXXX oh XXXX phone XXXX credit card i never put in this fraud idenity thieft another one XX/XX/XXXX XXXX XXXX XXXX nd XXXX XXXX phone XXXX XXXX loan from them i never put in for this fraud idenity thieft.

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 06/13/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Arbitration

Complaint: Barclay arrival XXXX card cancelled card with no reason and took over XXXX XXXX points ... 

Is this legal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the  State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.

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 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Was overcharged and I attempted to dispute my bill. No one would assist that I could understand or return my calls. Services were terminated by the company. Attempted to return phone at the XXXX store and close account and told I was n't allowed to return my phone.. Had to pay full amount. I refused. This happened over 5 years ago. Yet is brand new on my credit report. They are a very shady company.

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 08-08-2017 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I 'm getting bills for a card that I have never used. I have an Amazon credit card # XXXX that I promptly pay the bills as soon as they are mailed to me. Chase Bank keeps sending threatening letters demanding payment and adding penalties from a credit card named Amazon Prime # XXXX. I have never used that card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Upon graduation I was never advised that by consolidating my loans I would give up my six month deferral. I was then put into a forbearance ; leading me to end up with capitalized interest that I was not warned of. 
Since then I have been steered into several more forbearances when I have called about having financial difficulties. Even though I have paid the full interest accumulated during each ; at the end of the term I have been refinanced. This has led to my interest being all front loaded again. After 10 years I still owe almost $ XXXX of loans on less than $ XXXX borrowed. I have requested they pull my Promissory Note, and they have refused. 
I have also had problems with the servicer not reporting my name change to the guarantor. This led to me being unable to access my NSLDS information. It took 3 years and a threat to contact the Education Department to get this corrected. 
XXXX, now Navient, have caused me nothing but stress, undue hardship, and cost me more in interest than any graduated student should have to face. These unfair lending practices need to be stopped. Borrowers should also be compensated for their suffering at the hands of deceptive loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Transunion began inaccuracy investigations on   XXXX   XXXX  ,   XXXX   XXXX  , AND  XXXX   XXXX   XXXX  ON   XXXX   AND COMPLETED ON  XX/XX/2017 .ON   XXXX     an inaccuracy investigation was done on US Education which also completed on   XXXX  .I have complete records and proof.The investigations were begun on Transunion on-line investigations separately and completed together on-line which is of no legal significance .All of the paperwork is dated which I previously provided TU AND CFPB.TU says they have done nothing wrong or illegal yet they have and lied to CFPB as well about the  initiation d ate, which I later attached to another CFPB case regarding this.It is of no consequence, according to law, when the furnishers received due to  TU ' s incompetence or lack of adequate computers/ employees.TRANSUNION BREAKS THE LAWS HERE- ATTACHED FROM THE FCRA and lies to CFPB with impunity. ( THEY SAID SORRY FOR THE LIE ) TU should fire the  TU  employee who is answering the CFPB ... they are scofflaws, incompetent and maybe drunk but they put TU in position for heavy liability in court to me and fines by the CFPB.

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 10-07-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: Essentially I have over {$5000.00} dollars in a paypal account. I have been selling XXXX as well as buying XXXX for several months. Suddenly, after receiving a larger payment from a well known XXXX, my paypal account was suddenly limited. The language as to why was not clear, just that they wanted me to explain where money was coming from and that they suspected fraud. Once I had told them of my business and even to look at see what I have sold on eBay, they immediately gave me a permanent limitation with no explanation as to why. I was never allowed even to appeal nor to dispute based on the vague language given. Subsequently, another paypal account I had also have had for many years was also suddenly limited, for being " related " to that account. In totally paypal is holding approximately {$8000.00} USD of my money. There seems to be nothing I Can do.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (OK).
Issue: Problem with fraud alerts or security freezes

Complaint: I HAD MY ID STOLEN EARLY   XX/XX/XXXX  AND DID N'T REALIZE IT TILL RECENTLY. I HAVE FILED EVERY FRAUD REPORT AND ID THEFT REPORT AS WELL AS FROZE MY ACCTS. I HAVE NOTIFIED ALL THE CREDIT AGENCIES AND CONTACTED THE CREDIT CARD ACCOUNTS THAT WERE OPENED OR ATTEMPTED TO OPEN TO NOTIFY THEM OF THE THEFT. HOWEVER, CHASE CREDIT CARD COMPANY CONTINUES TO RUN MY CREDIT ALMOST 2 TIMES PER MONTH EVERY MONTH AND NOT CALLING TO VERIFY MY INFORMATION AS REQUESTED. I HAVE CONTACTED EVERYONE AND THEY ALL SAY OH WE WILL STOP THIS BUT THEY CONTINUE TO DO IT EVERY MONTH. THE MOST RECENT IS  XX/XX/XXXX  AND  XX/XX/XXXX . M Y CREDIT SCORES WERE OVER  XXXX  AND I HAVE BEEN SAVING FOR A HOUSE AND NOW MY CREDIT IS IN THE  XXXX  DUE TO ALL THE HARD INQUIRIES FROM CHASE BANK. I DO N'T KNOW WHAT ELSE TO DO? PLEASE HELP! I HAVE ALSO STARTED A CASE WITH  XXXX    XXXX   XXXX   XXXX   TO HELP WITH THIS BUT ITS NOT DOING MUCH GOOD EITHER. WHAT CAN I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with XXXX and Transunion. 
** XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with disrespect and very harsh, without giving me a chance. 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX times I 've tried ( with different browsers - XXXX and XXXX ) to obtain my credit report. The last time I received my credit reports was probably 2 years ago, so I 'm certainly within my time frame right. Even after resetting XXXX browsers ( deleting all cookies and history and restarting my computer ), AND FILLING OUT ALL THE INFORMATION, THEN TAKEN TO A XXXX PAGE WHERE THE INFORMATION WAS CONFIRMED, I received an error message that my request could not be completed. I was then directed to a phone number to obtain my credit report. After going through the tedious and time consuming process of entering all of my information on the phone when I reached the point where I was provided the opportunity to order my credit reports, the system prompted me to enter XXXX for XXXX of the company reports - I do n't remember which, Experian, XXXX, whichever, XXXX for the next, XXXX for the XXXX ( I 'll call them x, y and z for the balance of this text ). I pressed XXXX ' and there was silence. After a long wait the system repeated - as if I 'd never pressed a key - " XXXX for x, XXXX for y, XXXX for z. '' This time I repeatedly pressed and spoke " XXXX. '' Again after a long wait the system repeated the question again : XXXX for x, XXXX for y, XXXX for z. I hung up and tried again through the whole process. This time after finally reaching the point where the system prompted me I repeatedly pressed XXXX. ' I THINK the system recognized my input because I then received a prompt for " Press XXXX for another report, XXXX if you are finished. '' I pressed XXXX repeatedly and received the response " thank you, good bye. '' Clearly, the 'Free ' is not forthcoming. The on-line system failed and the phone system that I was directed to failed as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I initiated a wire transfer from my Coinbase account to my bank account in the amount of {$17000.00}. I had successfully completed similar Coinbase wire transfers between these exact accounts previously. Coinbase removed the funds from my Coinbase account and provided the following message : " On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$17000.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$17000.00} will arrive in your bank account by XX/XX/XXXX. 

Withdrawal reference : XXXX '' It is XX/XX/XXXX and the funds have not arrived in my bank account. I contacted Coinbase support several times via email, and have not received a response. 

It seems likely that Coinbase has stolen my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1800.00} still showing so I do n't really understand why the company keep calling me for a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: On XXXX XXXX, XXXX I submitted a CFPB claim no. XXXX to Experian to initiate an investigation on how several items that were reported and some that they are still reporting as a result of an Identity Theft claim was affecting my credit score and requested them to recalculate my credit score accordingly. 

The company on XXXX XXXX, XXXX responded that they could not continue processing my CFPB claim because the address I submitted in my claim was incorrect and this is false. 

The address on this claim is fully correct and was corroborated by them. I sent them proof of address back in XXXX XXXX, XXXX and they have been sending me all the correspondence to the address added in the claim. 

I have attached the last correspondence received from Experian showing the same address added to the claim above.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received a loan from XXXX XXXX XXXX back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! Equifax report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Investigator, Elanco Financial Svc. sh ows up on both our credit reports!   This account was never authorized nor opened by us and must b e Fraud!    We are DISPUTING this account and demand it be removed immediately from our credit reports.   Thank you,  XXXX   XXXX   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 09-08-2017 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: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX Dob XX/XX/XXXX Transunion will not remove the unauthorized inquires from my credit report. It has been over 60 days and they have ignored my request to prove that the inquires were authorized by me. I sent them a certified letter with return receipt dated XX/XX/XXXX to remove the unauthorized inquires and it has not been done. this is hurting my good credit!!!!!! see copy of certified receipt attached and see list of unauthorized inquires below. I DEMAND THAT TRANS UNION REMOVE ALL UNAUTHORIZED INQUIRES FROM MY REPORT!!!!!! XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address 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 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have made a transfer of XXXX on the XX/XX/XXXX. I contacted coinbase via phone no response, via email which they replied saying they have seen the problem and will resolve this however this has not happened. Its been exactly 20 days with no help. I would like my money back or for the money to be transferred ASAP! Thiis very bad customer service and I am extremely disappointed.

Company response to consumer: Closed with explanation