milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (OH).
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 like XXXX accounts showing as negitive on my credit report and I only got XXXX loans XXXX are in good standings. XXXX are negative. No one wants to help me out. I keep getting the run around when I call to get this resolved. I also did not go to school in 2014 like it says when it was open. I feel that my rights have been vilotated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Back in XX/XX/XXXX I opened a Best Buy credit card to purchase my husband a gift for his birthday. I finished paying for his gift in XX/XX/XXXX.Then, in XX/XX/XXXX we purchased a refrigerator for the amount of {$2500.00}. In XX/XX/XXXX, I set up automatic payments through my Best Buy account. These automatic payments were for the amount of {$200.00} and were withdrawn from my checking account with XXXX XXXX XXXX. By XX/XX/XXXX this money had been paid in full. However, these automatic payments continued to be withdrawn from my debit account. I realized that something was wrong in XX/XX/XXXX when I figured it had been too long and that this automatic payments should have stopped already. At this time I checked my Best Buy account online and realized that there had been fraud and reported it to the credit card immediately. The fraudulent transactions occurred during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were multiple transactions during those three months that added to the amount of over {$7.00}. At this point they cancelled my account and opened an investigation. Their investigation concluded that I was responsible for the charges and therefore they still continue to call me to collect payments. There have been a back and forth between XXXX XXXX ( the bank wish sponsors Best Buy ) and myself ever since. In XX/XX/XXXX, some of the XXXX XXXX   fraud agents, recommended that I opened a police case, wish I did. I sent this over to them and they reopened the case. After this they determined again that I'm responsible for the charges. After my last conversation with another XXXX XXXX agent, I was recommended for the first time to submit any additional information that could favor my case ; she suggested for example that I sent time sheets showing that I was at work, or if I had travelled during those months to submit traveling tickets information. I couldn't provide any of those because as a full time pharmacists who used to work for XXXX at the time, I was a salaried employee, and also I didn't travel during those three months. 
All of this leads me to believe that they are not investigating anything with the places at which this transactions occurred, but instead are lightly deciding to make me responsible for the charges. I have told them and begged them on multiple occasions that I'm an honest person and to please investigate the right way, but this has not led me anywhere. 
I can send you prove of the police report that I opened and also the automatic payments set up, and payments made automatically upon request. 
I thank you in advance for anything that can be done to resolve my case.

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 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TRANUNION today has verified either knowingly or negligently a collection account as unpaid, in collection.XXXX, account no.XXXX was paid in full on XXXX/XXXX/16 from a transaction by phone on my XXXX checking account. 
we have records and proof.the furnisher and transunion are today legally liable in a civil action for financial damage according to FCRA. THEY ARE PREVENTING A SUCCESSFUL MORTGAGE, TIMELY TRANSACTION. 
THERE IS NO ALTERNATIVE TO DELETION OF THIS ACCOUNT.THEY NO LONGER HAVE 30 DAYS, THEY MUST DELETE 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: UNBELIEVABLE that I need to pay the three credit bureaus to freeze my credit when it was XXXX  who was incredibly irresponsible with my information in the first place. Now they profit from their own negligence. 

Credit freezing, and PERMANENT FREEZES, need to be provided by all three credit bureaus for FREE. Not for a charge, and not for a fixed amount of time. 

It should n't require a police report to be able to request a long-term freeze without paying a recurring fee. 

Also, all three bureaus are heavily pushing their rip-off credit monitoring services. TransUnion is making their credit freeze sites so confusing, uninformed consumers will probably be paying for their credit monitoring service, not a freeze. Where is the oversight? Where is the accountability? 

Step up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Western Portfolio Assets (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Well fist they keep calling my parents and they even called my other family members. I think that 's on the border line of harassment. They said them will sue which they are a debt collector which makes no sense. Also it 's not a debt anymore it 's just a bad investment. They also said I had a car loan which implying they will seize that really????

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

Complaint: My information was compromise in the Equifax security breach on XXXX XXXX, XXXX. Also, why did the public just learn of this breach in XXXX when Equifax knew in XXXX? Equifax should pay to have my credit frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I attempted to go through the dispute process with Transunion regarding an erroneous item on my credit report allegedly involving XXXX XXXX. The amount being claimed is {$2500.00}. This item originally was brought by XXXX XXXX XXXX. I complained. I subsequently tried to have my credit cleared. It was then pursued by XXXX XXXX XXXX XXXX after I went through the TransUnion dispute process. The only cellular phone services I ever used were XXXX XXXX and my current carrier, XXXX. I never had a XXXX account. I am also concerned about the fact that the item appears as " open '' anew once a new collection firm acquires the matter. This is very unfair. I feel that as a consumer, I am being abused by TransUnion. They conduct themselves in a manner that is biased against the consumer and favorable to corporate interests. In this instance, it is harder for a consumer to get an erroneous matter off of a credit report than it is for the private entity to place an erroneous item on a consumer 's report. I kindly request help with 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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated in XX/XX/XXXX and consolidated my loans with XXXX XXXX. In XX/XX/XXXX I started working for The City of XXXX as a XXXX. In XX/XX/XXXX XXXX XXXX passed a loan forgiveness program for public servants such as Firefighters and Police officers. The program worked if you made 120 consecutive payments without missing one payment, in exchange for the increased risk I face daily at my job serving the public. Once this was passed I spoke with XXXX XXXX to make sure I was on the right track, which they assured me I was. Several years ago XXXX XXXX became Navient and sent me a letter that nothing would change on my end. It is now XX/XX/XXXX and I have not missed a single payment. My bank recently changed and I wanted to follow up with Navient to make sure my payments would not be interrupted, disqualifying my loan forgiveness. They notified me that I have the wrong " type '' of loan and that I would not be eligible. This is wrong and unacceptable. I am writing this to ask for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is my mortgage servicing company since home purchase XX/XX/XXXX. I escrow my taxes and insurance and have done so with no changes in HOI company or escrow status since I purchased the home XX/XX/XXXX. This year my XXXX renewal was due XXXX/XXXX/XXXX and nationstar failed to make payment on my homeowners insurance. The policy lapsed as payment was not issued until XXXX/XXXX/XXXX and not received by XXXX until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i recived a letter from Nationstar regarding forced placed insurance. When I called I was told my HOI had not been paid this year. I ESCROW MY HOI WITH THEM! After escalation I was told the reason it was not paid was they did n't get a renewal. They also said the only attempts they made to get the renewal were the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My policy lapsed on XX/XX/XXXX and they made no attempts to obtain renewal or make payment on my HOI after the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My HOI had not changed, same company they made payments to in prior years. They never called XXXX to get renewal and didnt notify me until the forced placed letter arrived on XX/XX/XXXX. When i called them XX/XX/XXXX they advised payment was issued XXXX/XXXX/XXXX. That was a lie! Payment went out on day of call XX/XX/XXXX ( regular mail ) and was not received by Acuity until XX/XX/XXXX. There was nearly a 1 month lapse in my HOI coverage due to Nationstar 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not receive notice of right dispute, i dont know what this debt is for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX continue collecting on discover account that I do not owe them because changed to cooling and winter never given proper amount owe wonder if still can collect on discover accounts since law firm XXXX XXXX is out and wonder if cooling and winter will have to go back to court for XXXX discover accounts that never that they owned and proved properly that I owed this amount they seem to have over charged me

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with Diversified Consultants, Inc. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: While I 'm half-way into completing the rest of the student loan payment. I got a call from Diversified Consultants Inc. and I have gotten these calls before. Which every customer is curious is to why these companies ca n't follow the laws and to comply with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IN).
Issue: Fraud or scam

Complaint: I opened an account with Coinbase on XX/XX/XXXX. I used this account to buy and sell bitcoin and have never had any problem. A couple days later, I opened an account with XXXX ( a trading platform controlled by Coinbase ). After a quite lengthy process of account verification, I finally had my account ready to trade. I made a couple of buys and sells using XXXX. Then I stopped using it for a week because I did not have time. A week later when I logged back into XXXX account. It did not let me log in. It indicated that " Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact support@coinbase.com ''. So I submit a request on XX/XX/XXXX to support@coinbase.com to resolve the problem ( Case # XXXX ). After 10 days without response, I submitted an other request on XX/XX/XXXX ( Case # XXXX ). Now almost another 10 days has passed, I have not heard back from Coinbase people. I also submitted another request on XX/XX/XXXX to XXXX Support Center ( XXXX XXXX XXXX ) instead with the hope that I can get a response from XXXX people ( Case # XXXX ). I have about {$8000.00} dollars worth of coin on this account so this has been very frustrating to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Consumer Loan (Installment loan) with Mobiloans, LLC (FL).
Issue: Managing the loan or lease

Complaint: took out the the load from mobiloan. After, discovered and the terms and conditions of the load were unlawfully in my area. have contacted the company asking to surrender the load without penalty and interest. They refused and to day keep harassing me over the phone 10-20 times each day as well as placed a negative entry in my credit report.

Company response to consumer: Untimely response
Consumer complaint received 04/20/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My information was used to illegally open a line of credit. My signature was not written in person and therefore photo-shopped onto an application for processing. The funds were obtained and used. The company is saying it is my account, but the address used is an address I have never resided at.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was called by a collection agency about a debt that I had no knowledge of.  So this prompted me to pull my credit report.  I don't know if my identity was stolen because I don't know who could have done it however I have so many accounts on my report that don't belong to me!  I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway!  This treatment is illegal and I am currently looking for legal counsel.  This is a final attempt to get these items removed please help!  The accounts that are reporting that are not mine and that I have no knowledge of are listed below, XXXX XXXX XXXX., XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX. XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX.I have no knowledge of these accounts!  I have tried desperately to correct this problem.  Please help!  No one should be treated this way!

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 04-06-2017 about Credit card () with CAVALRY INVESTMENTS, LLC (TN).
Issue: Other

Complaint: When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact Cavalry Portfolio so I called Cavalry Portfolio and the rep stated she could not help me and I needed to contact XXXX so I called XXXX and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX  system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax Information Services , LLC XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$8500.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ). BAL : {$440.00}. ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ). BAL : {$420.00}. ACCT. was charged off listed with wrong balance please delete.

Company response to consumer: Closed with explanation