milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have repeatedly disputed XXXX California state tax liens on my credit report. They were filed because they did n't have my returns even though I did send them. The amount owed is inaccurate. The franchise tax board in California has refused to modify the amount although the have released the lien as satisfied and released. The letter which I will attach is dated XX/XX/XXXX, but liens were filed in XX/XX/XXXX and XX/XX/XXXX. The ketter clearly states that I have 30 days to pay before they will file a tax lien. I have contacted the state of California and they now say it us up to the credit reported agencies to delete the liens at being inaccurate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hard credit inquires were removed from my TransUnion credit report without notification by email, telephone or standard mail and placed back on my credit report without any notification ( example email, telephone or standard mail ). This caused an adverse affect to my credit score. Please notify me of the steps I need to take in order to get this matter taken care of. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Payday loan () with BlueChip Financial (TX).
Issue: Received a loan I didn't apply for

Complaint: Spot Loan is saying that i applied for a loan back in 2014 and money was deposited in my XXXX account. I have n't not had a XXXX account nor did I apply for a loan. They have called several times but will not give out any information. A XXXX got real upset with me and told me " good luck. '' XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Balance transfer

Complaint: XXXX XXXX wrote on XXXX/XXXX/2015 XXXX -- -- -I 'm disputing transaction on XXXX/XXXX/2015 for XXXX to XXXX. I believe there is fraud involved in this transaction. XXXX claim they have never received funds and First Tennessee bank claims that funds were cashed. Please replace my card ASAP. If this issue is not resolved asap I will forward the manner to t Consumer Financial Protection Bureau ( CFPB ) the government agency that handles credit card complaints. I have spent several hours try to handle this issue at both banks locally located in spring hill tn and each other blames the other. I have also tried calling customer service and they have been unable to assist. Frist Tennessee Platnium Premier Visa account number XXXX XXXX/XXXX/2015 for XXXX to XXXX. 
This is the email I sent First Tennessee Bank. My spouse went once again to XXXX XXXX XXXX and spoke with XXXX XXXX as instructed by First Tennessee Bank letter is attached below. XXXX XXXX XXXX provide us with a copy of the balance transfer check that was sent by First Tennessee Bank and the reason it could n't be cashed because the micro number was missing from the bottom of the check. 
This was the response from first Tennessee Bank on XX/XX/2015This letter is in response to your recent correspondence regarding your balance transfer request with XXXX XXXX. I attempted to contact you via telephone on XXXX/XXXX/15 and was unsuccessful. 

Our records indicate that a Cashier 's Check was mailed to XXXX XXXX and cashed by them on or around XXXX/XXXX/15. A Financial Center Representative spoke with XXXX XXXX at XXXX XXXX and was advised that the Cashier 's Check was received and cashed. He indicated that a Cashier 's Check was mailed to you due to an inaccurate account number being provided. Unfortunately, you would need to contact XXXX XXXX for assistance in obtaining these funds. You may reach XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. We apologize for any inconvenience this has caused. 

We have requested a copy of the cashier 's check for your records and this will be mailed to the address on file within 7-10 business days. 

First Tennessee values our customers and our reputation. We work hard to answer any question or correct any problem brought to our attention. If you need additional assistance with your request, you may contact Customer Solutions at XXXX, Monday through Friday from XXXX to XXXX, EST. Please reference the tracking ID XXXX when contacting us regarding this issue. 

Sincerely, XXXX XXXX. 
Customer Solutions RepresentativeFirst Tennessee BankTo notify us of an error or request information about your account, please use the following address. Please include your name, your account number or other information that will help us identify your account, the error that you believe occurred, or the information requested. Send to : First Tennessee Bank, Attn : Customer Solutions, XXXX. XXXX XXXX, XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Private student loan debt) with ConServe (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : The attached photos are proof of failure to adhere to FCRA law. Credited reporting for XX/XX/XXXX before request to dispute began signed for XX/XX/XXXX and XX/XX/XXXX 39 days after dispute process began no mark of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with Associated Credit Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Associated Credit Services first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. I return all they sent to me was statements. However they sent me nothing that validates that this debt is mine, no SSN, no Date of Birth. I want the debt deleted ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was going to write this in a written letter but seeing as how I am getting multiple first notices, I will respond through the CFPB. The reason why XXXX never received their payment for the selected dates were that I blocked XXXX from taking out of my account. All domain names were paid for the year and all other services were canceled except for XXXX website that was being paid out of my personal account until I switch everything to a new hosting service. XXXX attempted to charge my company, XXXX XXXX XXXX for over XXXX dollars and my bank will testify to this if they need to. There is no one is n't the world that could have a XXXX dollar bill with XXXX, if anything is reported on my company negatively reguarding this issue, I will sue Complete Payment Recovery Services and XXXX for illegally trying to steal money out of my account and from my company. This is the only warning, cease and desist or I will see you in court.

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 12/16/2017 about Debt collection (Other debt) with Mid-Atlantic Finance Co., Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Summary Your debt-to-credit ratio represents the amount of credit you 're using and generally makes up a percentage of your credit score. It 's calculated by dividing an account 's reported balance by its credit limit. 
Account NumbeXXXX XXXX XXXX Reported Balance {$1700.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A this account was made under fraudulent terms : i do not or have ever had a relationship with this vendor ; please dispute with the following creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Medical) with CCS Financial Services, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My great granddaughter ( XXXX ) was left on my doorstep. I needed find out if she was immunized or get her immunized to attend child care. The granddaughter was personally covered by Medicaid. The doctor accepted the Medicaid and informed the lab but the lab sent me the bill I sent XXXX the child 's Medicaid account information and they persisted billing me, Eventually turning it over to collection. I sent a letter to the collection agency ( attached ) they did not respond and filed multiple failure to pay with the various credit reporting agencies. I am not responsible for the debt. I have seen medical providers illegally by pass collecting from Medicare and badger the person to get more more money for the service than Medicare will pay. I believe that was what happened here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Pursuant to the Fair Credit Reporting Act, Experian is required to report accurate information on an individual 's credit report. Please be advised that I request you remove the following false information from my new credit report ( Credit Report No. : XXXX ) listed on Page XXXX : Telephone numbers ( XXXX ) XXXX XXXX ALSO refer to CFPB Complaint No. : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Problems when you are unable to pay

Complaint: I have a auto loan with Ally bank. One month I missed my payment date. Every day after the due date, they called myself and my XXXX XXXX XXXX father in excess of 20 times a day. From XXXX until XXXX seven days a week. The calls looking for payments did not stop even after the payment posted to the account for five days. Their " customer service '' reps would say they would note our account to stop the calls, yet they continued.

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 04/14/2017 about Consumer Loan (Vehicle loan) with Second Round Limited Partnership (TX).
Issue: Managing the loan or lease

Complaint: In XX/XX/2011 i purchased a vehicle only to find out the dealership XXXX Georgia lied. I was in Bankruptcy at the time. The sales manager advised that their dealership could sell cars to this in bankruptcy without going to the courts. After a short time speaking with my bankruptcy attorney i wanted to change filing, I disclosed the car. I was told i needed to get court permission i called the dealership they did not help. I told the general manager how the ssked manager stated i needed to pay my down payment in cash. I gave her XXXX i just checked my credit and the loan company has it that the transaction took place last year. I should be removed off my credit. XXXX is the company the collection company us second round in XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with U.S. BANCORP (PA).
Issue: Rewards

Complaint: When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of two or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TN).
Issue: Money was not available when promised

Complaint: I transferred {$60000.00} to Coinbase via same day wire transfer from my XXXX XXXX XXXX business account ( XXXX XXXX XXXX ; account # XXXX ) on XX/XX/2017 very early in the morning.
My bank approved the wire and it went through.
I received an email from Coinbase later after midnight central time stating that my wire transfer has been reversed to my bank due to a name mismatch. My bank account name did not match with my Coinbase account because the wire transfer was made from my business account.
The email from Coinbase states I should receive my funds bank in one business day.
I have not received my fund at this moment. I have tried to contact them but no success. They have no phone number to call, no chat service with humans, but only emails which they have not replied to since Wednesday.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My name, account number, address, SSN, etc have been leaked as part of the Equifax data hack. The hack allegedly occurred in XXXX XXXX, while the information to the public was released in XXXX XXXX. I 'm very concerned that this information can be ( and might have been already ) used for identity theft, credit lines, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Medical) with AmeriCollect (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never had any agreement with XXXX XXXX XXXX ; I have reported this to XXXX with no resolve.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2017 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: " ERC Debt Collector '' keeps robo calling and I have absolutely NO debts and could not possibly owe any money to anyone. They call about three times a week leaving a Reference Number for this issue and their telephone number ( XXXX ). I have never called back as I do not want to be ensnared in a scam. How can I get them to stop without calling them back? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have used Navient formerly XXXX XXXX to service all of my private loans. I was forced to take a forbearance because my loans had become delinquent as I was not financially stable to make the payments. This led to years of nonstop phone calls and hardship on my credit, which filtered out into other aspects of my life, ie : high interest rates on car payments, not getting approved for credit cards, etc. I have diligently pushed myself as a single mother of XXXX to rebuild my credit so I can provide a brighter future for myself and my children. I have worked feverishly to make all my payments on time for the past 3 years, however I have only been able to pay towards the interest of these loans. It has only been since XX/XX/2016 that a small fraction of my hard earned money has begun to be put towards the principal of the loans. It is a constant worry and stress on myself and my family thinking of how long it is going to take to repay this debt. Forcing someone to choose between being able to feed their family or make their student loan payment is cruel but sometimes a harsh reality. A little consideration and help can truly go a long way for someone who is struggling and does n't always have the means to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls ( every single day ) using XXXX and ( numerous other of their company phone numbers ). I looked up each of their numbers and they all come from the same company & gt ; Diversified Consultants & lt ;. This has been going on for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.

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. (MD).
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 The State of South Carolina expunged a tax lien after I complained that I was in communication with the state to investigate the accuracy of the amount owed, this was because I had to dispute the same year ( XXXX ) tax return with the IRS. In summary, the amount was settled and they issue the expungement. They stated to me " All I have to do is send the letter to all three credit bureaus and they will remove the public tax lien off my credit report ''. I disputed the public record with all three bureaus, XXXX ( confirmation XXXX ) and XXXX ( confirmation XXXX ) deleted the tax lien public record with no issues, Equifax did not after three attempts to resolve, to include calling-in and speaking with a representative who stated that it should be removed. The third dispute was completed XXXX/XXXX/XXXX ( confirmation XXXX ) with a result of verified again. I 'm not sure what else to do other than file this complaint. Please assist me with this and I look forward to your response. 

Thanks.

Company response to consumer: Closed with explanation