milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Midland Funding LLC is  attempting to collect debts for a closed  XXXX   XXXX . I wrot e Midland Funding LLC    XXXX     requesting the date the original accounts with   XXXX   XXXX   became delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  Midland Funding LLC is a ttempting to reage the debt which is illegal. According to my state of residency this debt is beyond the  three year s statue of limitations.   According to my   XXXX    File, o  ne  account was reported delinquent by   XXXX   XXXX   on  XXXX  ; the other   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: - I Got a Experian Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent Experian a Dispute Letter and request for validation on this unknown medical account on XXXX/X

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 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I applied online for a credit card in XX/XX/XXXX from XXXX XXXX. When I submitted the application online, the immediate response was that they could not complete the application and that I needed to call a toll-free number to complete the application. I never did. I subsequently received two letters in the mail asking me to call the bank to complete the application, which I ignored because I no longer wanted the card. In XX/XX/XXXX, I received a credit card in the mail, which surprised me because I had never completed the application. But I figured I could use the bonus air miles they were offering, so I called to activate the card. I tried to use the card but it didnt work, so I called back right away and was told that there was a block on the card because I owed late fees on the annual fee that accrued when I opened the account in XX/XX/XXXX ( which I had never done I started the application online in XX/XX/XXXX but never completed the application by calling the bank ). I have talked to XXXX XXXX and they insist that I opened the account in XX/XX/XXXX, which I clearly didnt do. I closed the account but am now faced with damage to my credit score as a result, and Synchrony is being cagey about whether they will waive the annual fee. Also, they never even sent me a bill for this annual fee plus late fee, so if I hadnt called them, I never would have known and my credit would have been trashed, not to mention the debt collectors that could have eventually come my way ... I would like Synchrony to alert the credit bureaus that they opened my account in error ( technically, it was fraudulent they denied my application then opened the account without telling me! ) so that it doesnt damage my credit, and also I need them to get rid of these bogus fees ( annual and late fees ) theyre trying to claim I owe.

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 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: Step 1 : What is this complaint about? 
I sent bitcoin from XXXX to XXXX ; however it arrived it Coinbase where the company says it successfully transferred to XXXX, yet the funds are no where to be found. I believe Coinbase lost my money and have been unresponsive so far. Its been a week.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: I have recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with XXXX I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with Transunion & XXXX to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Our Company XXXX XXXX XXXX XXXX XXXX made 3 payments to a Subcontractor XXXX XXXX XXXX. Drawn on XXXX XXXX XXXX XXXX XXXX, 1 ) Check # XXXX datedXX/XX/XXXX amount {$4500.00} 2 ) Check # XXXX datedXX/XX/XXXX, amount {$4500.00} 3 ) Check # XXXX datedXX/XX/XXXXamount {$6000.00} Totaling {$15000.00} These 3 checks were endorsed, by XXXX  XXXX XXXX XXXX XXXX, deposited and cashed by Well Fargo Bank. 
After receiving notice from XXXX XXXX. XXXX that this company had not received payment from us, we notified XXXX XXXX XXXX XXXX XXXX  and Wells Fargo Bank, Police report was issued to XXXX XXXX Police case # XXXX on XX/XX/XXXX, We have continue requesting from the banks the reimbursement of these fund paid by XXXX XXXX XXXX, a so far after 5 month we have not received the fund from Wells Fargo Bank.

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 06-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i submitted multiple accounts that were inaccurately reporting to my file to be investigated and corrected or deleted. Yet the agencies kept verifying the inaccurate accounts and illegal reporting as correct. They were not. especially in my case since i have filed for bankruptcy and the accounts were appearing as open/delinquent/active and in some cases with a balance. they information within the accounts were also incorrect. 
they keep verifying items as accurate and mine when they are not. i have received absolutely NO evidence of an investigation and the XXXX phone number they provide me contains no dial tone and i can not get through to any furnishers to see whether or not an investigation has ever occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have now disputed with Experian 3 different times regarding the same issue since XX/XX/2016. I had a vehicle loan. The vehicle was involved in a crash. The insurance paid the remaining balance on the car, and documentation is attached. However, Experian has reported it as a charge-off. I have contacted the financial company the loan is through, XXXX XXXX, and have documentation from them stating the account was paid fully, as well as payment history. XXXX XXXX has attempted 3 times to have Experian change the charge-off to paid in full, good standing, no charge-off, and Experian has refused each time. Both of the other credit reporting agencies do not show this problem. However, the problem with Experian has now caused me to be declined for a new credit card, further affecting my credit score, as the credit company used Experian for it 's credit check.

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 06/24/2016 about Debt collection (Payday loan) with Lionstone Holdings Group (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Called to say they were serving papers and to get out of being served I needed to call XXXX. Checked and there is no case against me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with KEYCORP (CO).
Issue: Balance transfer

Complaint: I used a convenient check to transfer a balance to my KeyBank credit card in XXXX 2016. The check and promotion flyer indicate that the check needed to be used by XXXX/XXXX/16 to qualify for the promotion. The check was used with another provided in the amount of {$9300.00} and posted on XXXX/XXXX/16 to the account. KeyBank processed the payment in their system on XXXX/XXXX/16, resulting in them not applying the promotional APR of 0 % or the balance transfer fee of 3 %. Instead, I incurred a balance transfer fee of 4 % and have incurred a monthly APR of 11.24 % for XXXX and XXXX. I originally called on XXXX/XXXX/16, spoke with XXXX, and was told that the check had to be processed by KeyBank by XXXX/XXXX/16, not that the check had to be used by XXXX/XXXX/16. I asked for a review of my account to reconsider since their flyer states the convenience check needs to be used by XXXX/XXXX/16 and the transaction must post by XXXX/XXXX/16. I was provided a ticket number and told I would receive response within XXXX5 business days via cell phone or my mail. I placed a followup call on XXXX/XXXX/16, spoke with XXXX, and was told there was no response available and that the original supervisor who created the ticket would need to look into and call me back. I was promised a call back on XXXX/XXXX/16. I placed a second followup call on XXXX/XXXX/16, spoke with XXXX again, and was told there was still no response to the ticket. I requested that XXXX look into the issue and call me back since XXXX had not called me back after XXXX phone calls. I was told I would receive a phone call back with a status. I still have not received a call back or a response via mail. In the mean time, I have incurred fees that I believe are incorrect and should be reviewed totaling {$250.00} as follows : monthly interest in XXXX ( {$86.00} ) and XXXX XXXX {$74.00} ) along with a convenient check fee of 4 % ( XXXX ) instead of 3 % ( {$270.00} ). KeyBank is clearly not going to resolve the issue despite numerous followup calls on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

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 03/30/2016 about Debt collection (Medical) with Radius Global Solutions LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: HELLO this is the second time i contact cfpb about a collection company attempting to collect on this account that i do not owe for XXXX XXXX XXXX XXXX this company like the one before reported me without notice and without allowing me my right under fair credit never heard of them and now they are reporting me this is a continued harassment by XXXX and its collection companys I AM THEREFORE SUBMITTING THE DISPUTE LETTER THRU CFPB SINCE I NEVER HEARD OF THIS 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 05/22/2016 about Mortgage (Other mortgage) with Prosper Marketplace, Inc. (CA).
Issue: Settlement process and costs

Complaint: 1. This loan ( from Prosper Company ) was not strictly a mortgage. It was a debt consolidation loan for {$15000.00} and the rate promised me was 15.41 %. They took out 5 % of the loan as some sort of fee which made the loan amount {$14000.00}. At a three year rate of paying {$520.00}. a month I will be paying a total of {$18000.00} which is an interest rate of 24.6 %, ( based on the total loan amount of {$14000.00}. ) not 15.41 % as promised. At that rate I never would have taken the loan. It is the same exorbitant rate the credit card companies were charging. 
2. I would like the {$750.00}. ( origination fee? ) returned to me. And I would like them punished for dishonest business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been waiting since XX/XX/XXXX for Fed Loan to correct my PLSF payments. I should have 39 qualifying payments from XX/XX/XXXX through XX/XX/XXXX, yet Fed Loan is discounting 6 eligible payments from XX/XX/XXXX through XX/XX/XXXX. <P/>Initially Fed Loan stated that I was inadvertently in a paid ahead status that I never requested. Then in XX/XX/XXXX, Fed Loan incorrectly indicated that my payments were in forbearance. This is not accurate and I substantiated this fact to the Department of Education in XX/XX/XXXX. Additionally, as proof I have the verified Employment Certification forms that cover this period. <P/>Even though I have enrolled in the IBR plan and submitted the necessary documentation, Fed Loan Servicing is unable to bill me accurately and has changed the minimum required amount several times during the last three payment years, without informing me. From XX/XX/XXXX until XX/XX/XXXX, the statements indicated that the amount due was {$0.00}, yet I made payments. From XX/XX/XXXX until XX/XX/XXXX, the amount due ranged from $ 62.00- {$64.00} per month and I was penalized in XX/XX/XXXX and XX/XX/XXXX for paying the exact amount due! <P/>Fed Loan representatives told me that I had not satisfied the minimum amounts that Fed Loan asked for and that I had to make additional payments. When I followed these instructions, I was penalized again for being in a paid ahead status. <P/>I should not be penalized when Fed Loan Servicing fails to inform me of changes in my required payments and provides conflicting information in writing and every time I call for assistance. I had no choice but to use my best judgment and pay more than the statements indicated, yet Fed Loan Servicing still will not process these as eligible PLSF payments. <P/>FedLoan refuses to directly respond to my query but instead has referred me to their Ombudsman Office or Borrower Experience Advocate. These individuals tell me that they are still waiting for a decision from FedLoan. <P/>I believe that Fed Loan is mismanaging my PLSF payments and deceptively trying to cover up their accounting and administrative errors at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is : XXXX XXXXLoan # XXXX XXXX XXXXAddress of Complaint : XXXX XXXX XXXX XXXX, XXXX.CA.XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never mailed a letter notification to the following XXXX XXXX collection bill of {$9100.00}. Debt is NOT mine, my VA insurance should have covered my medical expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Consumer Loan (Vehicle loan) with CARS Acquisition, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I bought a XXXX from XXXX XXXX of XXXX. I soon learned it was a lemon.I 'm aware of Georgia 's lemon laws, but I can not and will not sit back and let both XXXX and Car Financial Services rob me and countless others. If you take a look on XXXX XXXX page, you will see numerous complaints about the vehicles they sale and the owners criminal history of robbing and lying to customers. Because of the constant repairs, I was unable to keep up with car payments to Car Financial Services and very high and required full coverage insurance. A lot of times I had to choose between car payment, insurance payments or mechanical fees, when car payments were chose, the vehicle sat inoperable. Out if the almost 2 years of financing the vehicle I drove it maybe 18months. During XXXX the car was running, no where near at its best ( no heat, no AC, overheating, front end axle rattling, water pump going out ) but it got me back and forth to work and it started without a problem. I knew the car was in danger of being repossessed and honestly I was over it, I wanted them to come get it, in which they did on XXXX. I just was recently notified of a payment for {$140.00} that posted to my account with Car Financial Services. After speaking to them I learned the car sold for {$600.00}, well below the fair market value of {$2900.00}, which makes this resale commercially unreasonable. I was also informed of mechanical fees that were charged to me totaling {$230.00}, because the car would not start. The car started up without any issues while still in my possession. It had numerous other issues, but it did start. Therefore I should not have been charge a mechanical fee. They are so corrupt I would not be surprised if they " said '' it didnt start to collect more money from me. I honestly hope the new buyer is aware of all the issues this vehicles has. I was told by XXXX at Car Financial Services that the car was running fine until XXXX. More than a month since the car was no longer in my possession. I also had well over {$1000.00} worth of personal property inside of the vehicle that I have no idea where it 's located. From my understanding, I also should have been informed of the auction site, date and time, in which I was not. To me, these are grounds for me to contest a deficiency judgment. I would rather not get lawyers involved but I will. I was cheated with this vehicle. I put over {$4000.00}, not including repairs and to only have {$140.00} applied to a vehicle that they believe was only worth {$600.00} is an insult. I would like this account with them to be removed from my credit, or I will indeed sue for the remaining balance they say I owe on a {$600.00} vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX IS SHOWING A BALANCE OF {$15.00}, XXXX ON A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX. THE ACCOUNT IS PAID IN FULL AND SHOULD BE REPORTING AS SUCH. EQUIFAX HAS INVESTIGATED THIS SEVERAL TIMES AND COME UP WITH THE SAME RESULTS AND AGREED TO SHOW THIS AS PAID IN FULL. AFTER A FEW MONTHS OF POSTING IT THIS WAY AS AGREED, THEY REVERT BACK TO EITHER SHOWING THIS ACCOUNT OPEN WITH A BALANCE OR STILL SHOW A BALANCE. THE PREVIOUS EQUIFAX CONFIRMATION DISPUTE # XXXX WAS RESOLVED AS PAID IN FULL BACK IN XXXX OF 2015 AND YET AGAIN THIS POSTS WITH A BALANCE. I AM PROVIDING THE LETTER FROM THE CREDIT UNION EXPRESSING THAT IT IS PAID IN FULL AND SETTLED AND I AM ALSO PROVIDING THE EQUIFAX LETTER I RECEIVED IN XXXX OF 2015 EXPRESSING " THE RESULTS ARE : THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. "

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian Credit bureau has wrong address Experian has 3 same address and 2 old address that should have been removed and updated I have spoken with numerous customer services specialist to no avail Experian still have closed account from 5 years ago on my credit report 3of them are from  XXXX XXXX 2 are from the XXXX XXXX XXXX I have disputed and ask them personally to delete it is still current on my credit report I have been giving the run around from the company for the past six months my report number is as follows 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 non-monetary relief