milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Debt collection (Private student loan debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got an alert in my email from XXXX XXXX. I checked my credit report and it showed a collection agency named XXXX  XXXX reporting a student loan debt. I sent them a validation letter because I did not recognize it. They mailed me a response on XX/XX/17 saying they are attempting to collect a debt for XXXX XXXX XXXX and they attached verification documents regarding the debt. I looked at the documents and it was a Loan Request/Agreement Form with someone else 's name, address, social security number and school I had never been to before. It also had the co-signers name, address and social security number. That was a breach of their privacy. The other pages were payment history of the student loan from this person but it does not show his banking information. I was so upset because not only did my credit score go down, they sent me someone else 's personal information with all this identity theft going on. I responded with a letter to notify them of the error and to have it removed from my credit report immediately. They have not responded, so I want to file a 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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..

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 07/19/2017 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: I previously contacted XXXX regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.

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 10/25/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XXXX XXXX, XXXX a XXXX Checking Account of {$260.00} was opened with the Citizens Bank in XXXX, CT as a requirement for an IRA account. The IRA was moved on XXXX XXXX, XXXX and the checking account was left. Unbeknown to us, because of insufficient funds ( {$5000.00} or less ) in the bank, a charge of {$17.00} was being removed from the account on a monthly basis. We had no idea that this was happening! No contact from the bank was ever made to alert us either by mail or e-mail. We have never received any statement from the bank from the onset. We never agreed to an e- statement they said we did. 
I filed a complaint with the State Banking Commission who sent it along to another because of not being of their jurisdiction. The case no. Assigned is XXXX. 
I received a letter from theCitizens Bank XXXX XXXX with copies of statements showing the depletion so that we never received! They also refunded one half of the funds, {$130.00}. I called her and explained the above and said that was all they were willing to do. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, I do not remember for applying Credit from following 1st and 2nd company.

I request you to pls remove off from my credit report. 
1 ) Wf Crd Svc : Inquiry Date : XX/XX/XXXX National Credit card Cos. 

2 ) XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX National Credit card Cos.

and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/XXXX Telephone Companies

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my credit score, even thouygh they claim to have no information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with POPULAR BANK (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was charged with a purchase. They give me a link to cancel the purchase and I gave them my personal information . (  social, address and bank account information )

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 07-07-2017 about Debt collection (I do not know) with I.C. System, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I just recently reviewed my credit report and it generated this debt collector as someone that I owed money to. I have never done business with or signed a contract with this company. I found that several aspects of the report are actually inaccurate.According to the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to request that this company disclose all of the documents that they have retained in my credit file pertaining to the items listed below that they have under my social security number. Please do not allow them respond by saying that these accounts have been verified without sending me the information used to verify the accounts. This information is inaccurate and need to be investigated. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. Please provide me with the below mention listed things : The amount I.C. Systems claim I owe Explain and show me how they have computed the amount Send me copies of any documents that prove I agreed to pay the alleged amount Identify the original creditor Confirm that the account has not crossed the SOL period Prove that youre a licensed debt collector Show me your license number and registered agent Show that you are allowed to collect within my state Once again, this by law this creditor must have ALL verification documents already in their possession upon receipt of this letter, otherwise these in absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you under my Social Security number. I would like to inform you that in case your agency reported invalidated account information to any of the 3 main Credit Bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.

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 01-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: The loan I secured in XXXX for my home was with XXXX. It was a 10-year interest only loan converting to an ARM based on the LIBOR. I just received notice from Ditech ( the fourth lender since XXXX ) of the amount of my new payment beginning XXXX XXXX, XXXX. I do n't have a problem with the interest rate going up because I understood that from the beginning. What I am now discovering, however, is that the amount applied toward principal is less than the previous year which leads me to wonder if the method they use for amortizing the loan will ever bring the balance to zero. 
In conversations with various lenders about refinancing with XXXX, I 've been told that I would have to go through my current lender because I continue to need a no doc/stated income loan as I am self-employed with XXXX credit scores. I have been told by Ditech that there are XXXX problems with refinancing with XXXX. The first is they are showing ( incorrectly ) that my home is a multi-family home even though I have confirmation and verification from my county tax office that it is a single family residence. 
Secondly, Ditech is stating that since I have an Alt-A loan, they can not put me in a new loan that will raise my payment. In other words, I could not convert to a XXXX or 20 year fixed interest rate loan even though that would be in my best interest because my payment would go up. This notion is somewhere between hypocrisy and irony in that my payment continues to go up each year with my current ARM and could go as high as 10 %! 
My concern is that there may have been unscrupulous business practices on the part of XXXX and unwittingly continued with Ditech. 

As mentioned, the original loan was a no doc loan since I 'm a self-employed XXXX with excellent credit scores. That has not changed, however, I am now XXXX. I 'm hopeful there is a no doc XXXX or some instrument that would not be starting all over again with a 30 year mortgage - or possibly modifying my loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Medical) with Alorica Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: West asset mgmnt has been agressively calling and harassing me for a payment at late hours in the day even calling my work on the medical balance that was paid through insurance in first place. I was imbarrased by collection calls at my work and decided to pay this collection to make them go away. When I called I asked if they would remove this collection from my report if I paid it and I was assured by XXXX XXXX that if full payment was made they would send a deletion request to all XXXX bureaus and have this collection removed from my report. I paid in full for the collection which was fraudulent in first place with hopes that it will make them go away for good. However, it is now has been 10 months and this collection is still reporting on my credit report and I 'm still getting letters from the collection company. I attempted to contact them several times to request this to be deleted but they are stating that they are NOT reporting this to the bureaus and that I should call bureaus with my dispute, however when I called XXXX CRAs I was told that West asset verified and validated the accuracy of this collection thus bureaus would NOT remove it unless I had an official deletion letter from them, which they are not releasing to me stating that they do not do this on inactive accounts.. this has been very fraustraghting and I do n't know what else to do to get this off my credit report. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other service problem

Complaint: In the month of XXXX, 2017, I opened an account with Coinbase, under email XXXX. I linked it to my bank account and was able to make some purchases of virtual currency. One day suddenly I found that my account was restricted and could n't transact anymore. I contacted support via their online form, and waited, and waited ( several days ). I sent an email to XXXX ( as directed in several of their pages ) just to get an autoreply that the email was no longer being used for support. At any rate, despite my multiple attempts I never received a response, and I incurred losses as I was unable to trade virtual currencies ahead of what I had anticipated ( correctly ) would be drops in value. In the end, after many ( at least 4 ) attempts to contact support, I gave up. I transferred my devalued virtual currency to another exchange. 

As a Financial exchange, Coinbase should have a way to be reached via phone to address urgent issues, yet, there 's absolutely no way to do that. There is no phone number and their support simply does not respond, despite following the proper channels.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: I applied to BOA for a credit card in XXXX, 2016, around XX/XX/XXXX. I asked them, before you run a credit check, please confirm that you can respond with approval/denial. They responded in the affirmative. After applying, they informed me that they had to send the request to their office for further review, which would have involved an additional credit inquiry. Since they already put a hard hit on my credit report, without a response, I asked to speak to a manager. When a manager finally called back 4 days later, she refused to remove the credit inquiry hit. The manager was condescending, arrogant, and completely unhelpful. If you want to deal with these people, know what you are in for. Dishonest, deceitful, arrogant, condescending. Not what I call good customer service.

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 Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: deal was cancelled car was broke XXXX said it was repossed please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Transunion on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX and 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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 I mailed a dispute letter through USPS Certified Mail to TransUnion disputing inaccurate and invalid accounts on my credit file. TransUnion received the letter on XXXX XXXX, XXXXWithin 30 days I received a letter from TransUnion saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to TransUnion asking for method of verification and proof of verification. TransUnion received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from TransUnion stating the exact same thing as the first letter. The letter said the accounts have been verified. TransUnion did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to TransUnion asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from TransUnion stating again that the accounts have been verified. How can TransUnion say that they verified an account and not provide information on how the accounts was verified? How can TransUnion be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with TransUnion can report inaccurate information onto your credit file without proper verification as long as they are paying TransUnion. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Thank You

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 01/25/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX without warning reported on my credit report false information, that I owe XXXX XXXX, $ XXXX.and XXXX collection agency called for the sum of {$XXXX} which I paid half like a dumb, without receiving any letter, just phone call from XXXX XXXX ( something like that ) because I was scared for my credit report. As XXXX XXXX did to me without warning, letter, phone calls,, which is a shocked to me, as they are ruining my credit score. 


I tried to call them and told them I switch to XXXX, from both companies, since the contract with XXXX was over and XXXX  was too expansive so as you switch they could not charged me anything except for one XXXX that I already paid more than {$XXXX} since XX/XX/2016 to XXXX, plus all the charges, fees, etc with a total of {$XXXX}. 

It is a nightmare to switched! 

Even XXXX was a nightmare as they promised to pay the final bill but they never did so i terminated my contract for lack of network, thank God I knew that now, but still, XXXX never returned one of my devices, nor paid me, and never fulfill their add promised, with switchXXXX!!! That is why I am in a mess today with XXXX and XXXX. 

But as I switched, XXXX  and XXXX, could not continue to charge me, as I do not owe them anything its the reverse for XXXX, and XXXX these tremendous amount of money. 

I called XXXX, XXXX, to tell them I switched, but XXXX said that my contract was signed under a lease, either I returned the devices, either I pay. 

I answered I did not signed a lease, I sign a buying contract, so if your agent made me signed something else she is a fraud, and you need to find her to pay you! 

Also I should had terminated my contract a long time ago ... since the law permit consumer to terminate any contracts who does not have any network, as their network tower was not working with any of my phones, as XXXX.So I had to use WiFi, for 2 years   not knowing I could stopped my contract with XXXX. 

So you are the one who owes me $ XXXX+ ( XXXX ) No they still say the same thing over and over. I wrote to the XXXX XXXX XXXX XXXX XXXX, and his son, but they doesn't read their emails, since its a false email, but their agents does, and call you. 

Which again is a scam and a rip off, from XXXX. Cant believe the CEO as an automatic answer, saying he will help you etc. No, its all false. 

So I need help please to get back my credit report clean by XXXX XXXX XXXX, who reported false information without calling me first, writing to me first, like XXXX    to all my 3 credit report. I want to Sue all 3 companies to make false promises, false contract, breach of contract, ruining consumers credit report, etc : and I want all my money back! How can you help us? Thanlks 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