milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with Brookshaw Management, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am receiving multiple, harassing phone calls from a company called XXXX regarding a scheduled service date. I have not received any documentation from this company and I do not recognize this company nor have I signed for any loans with a company named XXXX I have received multiple voicemails on my cell phone and they are also calling me at work and I can not receive these types of calls not do I want to receive these calls at my job. Someone name XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX are calling me multiple times per day. Sometimes leaving a voicemail and sometimes not. They left a file number of XXXX but I have not received any type of written notice of debt or any type of correspondence from them but it sounds like they are attempting to sue me based on the threatening tone of the voicemails I have saved. They keep saying on my voicemail they need to deliver a notice of intent but I have no idea of who this company is. They left a number of XXXX. My cell voicemail does not identify me and this is in violation of the FDCPA and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (IL).
Issue: Taking out the loan or lease

Complaint: I called Ally on XXXX and asked what I needed to do to purchase my leased vehicle. She stated that I needed to pay off the amount to Ally and they would then send the title and another document for me to sign off on mileage. She gave me the amount of {$29000.00}. I call Ally back on XXXX to ask for the address to send my final payment. Once talking to this gentleman he told me my final payoff amount to purchase the vehicle was {$30000.00}. I said, but I was told two days ago the {$29000.00} and that was good until XXXX XXXX. He said, sorry, she gave you the payoff amount not the amount to purchase the vehicle. I said, I did n't think that was fair and I did n't understand. It seemed like a bait and switch. I hung up frustrated. I called back a while later and told the person who answered I had received XXXX amounts. She asked me the amounts and then asked me to hold. When she came back she said the correct amount was the lower amount. When I asked her why I was given XXXX different amounts she said the gentleman calculated it wrong. Here I sit without feeling comfortable that the amount I have is accurate. In addition, I feel they are being deceptive in the way they are changing the balance. I wonder if they have taken advantage of others this way. I also wonder if they have done other things to my account that would cause me to pay more than I owe - like they tried to today. Please look into this unacceptable culture they have at Ally.

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 06-08-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Was charged a " Credit protection '' fee for two years. Fee did not show on online statement only noticed when I printed off a statement to pay off. Was charged  XXXX  over  two  years and they rolled it into my 24 months interest free purchase. I now owe  XXXX  or my deferred interest gets charged.

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 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AL).
Issue: Money was not available when promised

Complaint: Coinbase.com has my money and they will not release it. There systems are failing and they say they can not verfiy my account. I have sent support tickets, talked to their XXXX chat bot, and tried to verify my account with no luck and with no response. 

This is clearly a scam to make money off the float of peoples funds. I hope the CFPB will take any and all action aginst this clear and obvious fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX ( 17 days ago ) I wired {$6300.00} from my personal bank account and it still has not been depositted into my USD wallet. I opened a support ticket ( # XXXX ) two days after sending the funds ( on XX/XX/XXXX ) but I have yet to receive any useful information about my transfer. I have left numerous requests for update on the ticket and with no response. 

I have called the support number twice and spoken to two different reps after 20+ minute wait times. Both reps told me that they can not access this information but they will escalate the ticket to a specialist and I would be contacted back. Coincidentally, both calls ended with them hanging up on me followed by a response to my ticket stating " Sorry, we got disconnected ''. After the last call on XX/XX/XXXX, my ticket was marked as closed even though they did n't give me my money. I immediately reopened the ticket asking why it was marked as closed but I have n't received a response in 3 days now. 

Also, on XX/XX/XXXX I went back to my bank to make sure they did n't mess this up on their end. They ensured me that the money was successfully deposited into Coinbase 's bank account. They gave me the confirmation number which I included in my ticket. 

Attached to this complaint is proof of my wire transfer provided by my bank and the full transcript of my communication with Coinbase support via my open ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied on XXXX XXXX, XXXX to switch my repayment plan from XXXX to the new XXXX student loan repayment program. It is now XXXX XXXX, XXXX and they still have not completed the processing of my application. They have told me that so many people have applied to this program all at the same time, that it is causing them difficulty in processing applications in a timely manner. Apparently they are unable to service student loans in a fair and equitable manner. This delay resulting from their inability to accommodate the new laws creating a new repayment program is creating a hardship on me, as it is lengthening the amount of time I remain in debt and delays my final repayment date back as many months as they are unable to get me into the new repayment plan. I am also enrolled in the XXXX XXXX XXXX XXXX Program, so the " clock '' on my maximum 10-year repayment time span has essentially stopped, and now my final payment will be delayed by however many months that MY FED LOAN has been unable to completely process my application. In other words, my final payment ( # XXXX on time payment ) date will be delayed at least 5 months, and that is IF they can get me on the new repayment plan in XXXX XXXX, which seems doubtful given their track record of being unable to handle servicing student loans properly. If My Fed Loan is so ambitious to " service '' student loans, then they should be prepared to handle the influx when new laws create new repayment programs/plans. XXXX or 6 months delay may not seem like a lot of time given the 120 month repayment program of the XXXX XXXX XXXX XXXX, but I have been in the XXXX for 18 years ( repaying my student loans ) and I ca n't believe that the XXXX is not retroactive. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: A dispute was submitted to Equifax on XXXX/XXXX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Complaint was submitted through the CFPB porthole with respect to this matter on XXXX/XXXX/XXXX # XXXX and the inaccurate account has been under investigation from XXXX/XXXX/XXXX until the present day. ( See Attachments ) A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( XXXX ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information XXXX cause the consumer. See : XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( XXXX U.S.C. 1692g ). Account number XXXX from XXXX XXXX is reporting inaccurate. The account inaccurately reported for months has caused me to be denied credit, higher interest rates, etc.,. This is my final attempt to clear to resolve this matter privately before taking my arguments into a court of competent jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Experian Information Solutions Inc. (MT).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 03/31/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH 10,000DOLLARS AND I ONLY USED 2000DOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT XXXX OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were initiated on XX/XX/2017 and the investigation completed on XX/XX/2017. 
us dept of education XXXX investigation was begun on XX/XX/2017 and completed on XX/XX/2017. PROOF IS ATTACHED ... .according to FCRA all XXXX accounts should have been deleted from my report yet only XXXX of them was.

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 02/18/2017 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hard inquiries where removed from my credit report then added back on. When I called the customer service they were absolutely no help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PDQ Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased an alarm system that was struck by lighting the DAY After installation and therefore never worked. The company wanted me to pay {$200.00} for the repair and I refused. They listed my amount owed as {$880.00} ( the entire contract amount ) and reported me to collections. I wanted to clear my credit and therefore made a written agreement to pay this amount in its entirety if all notations were removed from my credit bureaus. They agreed ( in writing ) and the money was paid. They have not removed the negative notations from the credit bureaus as agreed. It appears on both XXXX and XXXX yet they took my money!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, 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 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian received my dispute request on XX/XX/2016, this is regarding the inaccurate reporting on XXXX XXXX accounts. I requested that Experian send me verifiable proof ( an original consumer contract with my signature on it ). According to the FCRA Section 609 ( A ) ( 1 ) ( A ), Experian is required by federal law to verify, through the physical verification of the original signed consumer contract any and all accounts Experian posts on a credit report. I received report number XXXX Dated XX/XX/2016, stating this would be completed by XX/XX/2016. I still have not received verifiable proof of my signature form Experian. 
Since they can not verify this debt, and did not verify within the required time frame, I am requesting they remove the items from my credit report immediately. If not completed I will be forced to take Experian & XXXX to small claims court. 
I have included the letter I have sent by certified mail, tracking number XXXX Experian had 30 days to respond and failed to respond to me with the information I requested by XX/XX/2016, I am requesting the items are removed from my report immediately.

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 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint: On Tuesday XXXX XXXX 2017, I called American Express to see if they were able to help me with an installment I set up 2 weeks ago. I made a large purchase over {$6000.00}. On the XXXX app it gave me an option on enrolling into a plan it ( payment agreement plan for that huge purchase ). The max amount of installments it let me enter was 3 which was ridiculous. I 'm not able to pay that amount monthly for my credit card. So I 've been calling since XXXX XXXX to see what could be done, if I 'm able to get more installments or to opt out of the program. By enrolling into this plan, I was not aware that the mandatory minimum payment was going to be from {$150.00} all the way to {$2100.00}. Thats insane, I 'm not able to do that. I called them and they transfered me to 6 different people that did n't take the time to help me at all, I ended up talking to the same person ( XXXX ) who transfered me to another department just because he didnt know what to do!! I was on the phone almost an hour being transfered back and fourth. I stood calm the whole time, at last I was transferred back to XXXX who I asked politely if I was able to speak to a manager, he then placed me on hold and transferred me to a department that was closed!!! The automatic machine gave me an option to go back and press # 1 to speak to someone in customer service and when someone picked up, they hung up on me because they heard my voice and knew it was me again! No one should ever experience such bad customer service. No one knew what I was talking about and how to help! This is frustrating and crazy. Something needs to be done! It 's really not fair to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I previously had XXXX car insurance and when switching to another company I contacted them and asked for my final payment to close the account in good standing. I paid the amount that I was told through auto debit through my credit card. 

Upon looking at my most recent credit report it is showing that I have a {$64.00} balance that is now in collections. This is an error and I would like the account to be removed as the account was in good standing when I closed it, but now it's seriously affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.

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 02-06-2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: XX/XX/2016 I contacted Toyota Financial to see if I could have my XX/XX/XXXX payment moved to the end of my contract. They disclosed that I had to pay all late fees which I did. They sent me a loan agreement that stated the payment for XX/XX/2016 had been moved to the end of the loan contract. On the same document that I signed, it disclosed that the next payment amount was @ {$280.00} but I paid {$300.00} on XX/XX/2016. Now they are saying that I owe more than the one payment that I am past due. Because of financial hardships caused by a house fire, I missed the XX/XX/2016 payment, however, I should only show past due for@XXXX but Toyota shows @ {$1300.00}. I believe that they are doing this as a scare tactic so that they may take my car from me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is not a duplicate of XXXX. Please do not get this complaint confused. This is a new complaint. Please do not get this confused. The first complaint was mentioned XXXX XXXX XXXX XXXX which was wrong. This is regarding XXXX XXXX XXXX XXXX. 

TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX XXXX XXXX car installment loan. On TransUnion reports dated XXXX XXXX, 2016, and XXXX XXXX, 2016, and XXXX XXXX, 2016, my XXXX, 2016, payment has been omitted. Also, XXXX of the officials stated that my low credit score would change after 3 months of payments on this car loan and it has not. It appears that TransUnion deliberately refused to reflect my timely payments to XXXX XXXX XXXX XXXX thus placing my account in the negative affecting my credit score. I have letters from XXXX XXXX XXXX XXXX stating that acknowledgement of my XXXX payment was sent to TransUnion on XXXX XXXX, 2016.

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 06/16/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2008, I am requesting this be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ACCOUNT IS NOT MIND INCORRECT INFORMATION 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