milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian reporting agency had failed ( numerous times ) to correct information on my credit report despite the fact that I had submitted supporting documents substantiating my claim recently and in the past FOUR years. Upon my requests to provide me with details of their investigation, source of their investigation and/or any documents pertaining to their decision not to change incorrect information containing therein or to adjust my credit score ... I get negative response and refusal to do so. 
Having incorrect information on my file affects my credit score, causing denial of credit and employment ... thus negatively impacting my life. 
I respectfully request your assistance in resolving said issue. 
Sincerely, 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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an account listed without full account number and the misspelling of my name. I have contacted both the credit bureau and the reporting companies and sent copy of drivers license and social security card. Letter sent back to me stating investigation complete and remains on my credit report. Companies listed is JC Penny and 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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: This credit bureau continues to report an unverified Public Record ( Bankruptcy ) that I have disputed. The credit bureau is violating my rights, under FCRA, due to failure to provide accurate reporting. The credit bureau has refused to provide me with the 3rd party furnisher of this information. I spoke to my local court and they reported they did not provide any of the credit bureaus with info. They have not verified anything, but keep sending out generic letters saying there was an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (I do not know) with Ability Recovery Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX, I contacted fastunsecured.com around XX/XX/XXXX for help in cleaning up credit, at the time they said I would need about XXXX ( I did n't have ) for them do do any work on my credit. They said they might be able to help me get the funds for them to do the credit repair work. They ended up applying to a bunch of credit card companies on my behalf ; Like XXXX express, XXXX ... I 'm not sure how many in all might have been XXXX or more companies. I received not XXXX single approval form any of the companies they applied to. XXXX now want me to pay them {$11000.00}, they have turned my so called account they claim I have over to XXXX XXXX XXXX XXXX, a collections company ... XXXX has now further damaged my credit report by placing this Scam {$11000.00} on my report. XXXX claim that because I did not forward to them all the denial response I received from the numerous companies they applied to, I owe them this obscured {$11000.00}. I want/need this company to remove their garbage collection from all XXXX of my credit reports now. Like I said I just got my bankruptcy XXXX and I am trying to get my life together I do not have time or energy to be dealing with this nonsense from them. So please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. XXXX keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me today.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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 XX/XX/2017, i, sent out dispute letters certified mail to XXXX, XXXX and Equifax with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and XXXX received dispute letters, Equifax received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX/XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus,states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to do my free credit report on   XXXX   and some of their questions do NOT pertain to me and because I could n't give them a correct answer, I was denied my credit report. I paid off   XXXX    major bills and then they lowered my credit score and this is NOT right!! Experian is NOT doing their job and they are lowering my ability to obtain a loan even though I do not have ANY high balances ( except my mortgage ) on all my 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 non-monetary relief
Consumer complaint received 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid $ XXXX something which was the amt we agreed upon. She asked how i much i felt like i owed and that presented our agreement amt. She told me that this took care of the whole bill so i do not know where this amt is coming from. This debt originated well over 5 yrs ago but they keep selling it to new collectors. Should this not be removed based on the original date instead making it appear to be a new debt each time a new company gets it? I would greatly appreciate your reoresentation to get this resolved. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Problems when you are unable to pay

Complaint: IVE PAID ON TIME EVERY MONTH - THE FIRST 3 MONTHS I HAD THE LOAN I WAS TOLD XXXX TIMES THAT MY PAYMENT DUE DATE HAD BEEN MOVED- AND XXXX TIMES I RECEIVED A CALL STATING MY PAYMENT WAS DUE THE DAY FOLLOWING THE ORIGINAL PAYMENT DUE DATE. IT WAS FINALLY CORRECTED AND EVERY PAYMENT HAS BEEN MADE ON TIME. MY SIGNIFICANT OTHER LOST HIS JOB - SO I WAS UNABLE TO MAKE THE PAYMENT FOR XXXX. I TRIED EVERYTHING I COULD TO PULL THE MONEY TOGETHER, BUT CALLED THEM WHEN I COULD NOT TO ASK FOR AN EXTENSION. I WAS LITERALLY TOLD THAT BECAUSE I MAKE MY PAYMENTS ON TIME THEY COULD NOT DO ANYTHING TO HELP ME. I HAD TO BE 2-3 MONTHS BEHIND ON PAYMENTS FOR ANY ASSISTANCE. TOLD THEM MULTIPLE TIMES I COULD NOT MAKE THE PAYMENT TIL THE FOLLOWING MONTH AND I COULD ONLY PAY THE REGULAR AMOUNT I COULD NOT DOUBLE UP. SINCE THE PAYMENT DATE THEY HAVE BEEN CALLING MY PHONE IN AN EXCESSIVE AND HARASSING MANNER, EVERY SINGLE DAY - CALLING BETWEEN XXXX TIMES A DAY IF NOT MORE. THEY ARE CALLING MY CELLULAR PHONE WITH AN AUTOMATED DIALER. THEY ARE CALLING MULTIPLE TIMES AFTER LEAVING MESSAGES WITH AUTO/ROBO DIALER - I HAVE NO GIVEN THEM PERMISSION TO DO SO - THEY CALLED MY PLACE OF EMPLOYMENT. MY SUPERVISOR TOLD THEM I CAN NOT RECEIVE PERSONAL CALLS AT WORK. THEY CALLED BACK THE FOLLOWING MORNING - ALL OF THESE ARE PRETTY CLEAR TCPA VIOLATIONS AND WITH ALL THE OTHER ISSUES BESIDES THESE THAT I HAVE HAD WITH THIS COMPANY IT REALLY IS OVERWHELMING AND UPSETTING.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3.  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. 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
Consumer complaint received 11/26/2016 about Debt collection (Auto) with U.S. Auto Credit Corporation (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per ucc, not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.

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 10-07-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX called me from a private number, I returned the phone call and received no answer. My employer then called me to inform me that XXXX called regarding case XXXX. I called the number back since I found out they contacted my employer and found out it was a collector on behalf of GE Money Bank calling to collect on a debt that is 8-9 years old. The number they called from was XXXX. I have never received any information from them and I could n't even XXXX their company to see what their premise was. I spoke with XXXX XXXX who advised me it was a debt, then said I could agree to go before a judge or they could file a judgment against me for the debt and garnish 25 % of my paycheck. That alarmed me since I was aware they contacted my employer. Since I was unable to find out more about the law firm, I advised that I did n't feel comfortable talking about the issue without contacting my lawyer. XXXX then got short with me and advised that any question I could ask my lawyer, I should just ask him. I, then, hung.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 06/28/2016 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: After pulling my credit report have reported this matter to Credit Acceptance numerous times and the XXXX Credit Bureaus, I must add that there employees are very condescending and rude. When I would call to make a payment they ask me what made me fall behind ( I am not behind. I am making a payment today i would inform them I have never missed a payment. ) This company reported late payments my whole duration as a customer.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ALLY RAN MY CREDIT 3 TIMES IN ERROR, XXXX AND XXXX IN ERROR, AUTHORIZED SOFT ONLY.

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 06/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AK).
Issue: Other transaction problem

Complaint: My complaint is with coinbase. I have used them for years to buy and sell cryptocurrency. My daughter and I went to XXXX in XXXX and spent 7 days there. Upon my return and trying to sign into my account I gpt the following error message. <P/>Notice of account closure and pending disablement. Dear XXXX XXXX, We have reason to believe you reside in a country in which coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. treasury departments office of foreign assets control. As a result, we 've unfortunately had to close your coinbase account. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us as XXXX immediately and provide us with a copy of a photo ID and proof of your current address. If you account had a balance you will need to contact the U.S. treasury dept to request permission to access your funds. Respectfully, The coinbase team. <P/>I have sent I 'd verification and address proof on XXXX, XXXX, XXXX and XXXX and the only response I have ever gotten was a canned response about them being busy and if my issue is n't resolved please resubmit. I have already applied to the treasury to get my funds unlocked but have never had any response from coinbase as to if they have received my documents .... other than the same message which I will attach. They have no phone number to contact and no address to use, all of which I needed to file for the permit through the treasury. Since my account t is closed I do n't know the answers to many of the questions on the treasury application such as When was it closed? How much money? Address and phone number of the financial institution. <P/>I sent the form in anyway explaining that I could n't get into my account to know when it was closed or how much money was In it as coinbase will not respond. I searched for an address or phone number online and have come up with nothing. I have asked them repeatedly to help me with these answers since I do n't know them because I ca n't access my coinbase account. I 'm very frustrated that I would take almost 2 months without even a personal response or confirmation that they received my information. I feel this company is extremely unprofessional and are ruining people 's lives by holding their money hostage, approximately 12-14k in my case with no regard for expediency or even  communication. Please help me with this issue. It 's like I 'm chasing my tail trying to simply get a response. As far as I know they are out of business based on their lack of communication and my money/and or coins are gone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX account reflects my perfect payment history on my credit report however in the comments and status section it states that the account is charged off. I have disputed this account several times with the same outcome as verified as acurate or updated. How can a account have perfect history but be be a charged off account.? Documentation has been uploaded to support my claim please review and coreect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was made aware of not  XXXX , but  XXXX  (   XXXX     XXXX   and again in early   XXXX   deleted EVERYONE 'S TransUnion Inquiries ) and in  XX/XX/XXXX    XXXX   ) computer glitches that was TransUnion 's and   XXXX   XXXX   problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accur ate    XXXX   XXXX   XXXX    and Score, it said. Because of this, some people may notice some information on their   XXXX   XXXX   XXXX   that they didnt see before..TransUnion and  XXXX  later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by TransUnion and  XXXX . Please, help me to make TransUnion and  XXXX  stop victimizing me. I ask that a resolution of all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 04-09-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: Dear CFBD, My name is XXXX XXXX and my wife XXXX and I were first time home buyers in XXXX XXXX XXXX in XXXX Illinois XX/XX/XXXX. We Financed a loan from Wells Fargo at 100 % at {$290000.00} and could n't afford to put XXXX % down so they split it up to an XXXX loan. They XXXX % loan is fine, but the XXXX % ( or Home Equity Loan ) is robbery. This loan was purchased at {$58000.00} at 9.25 % and was a 15 year loan with a balloon payment of {$47000.00} at the end of its term. Our payments consist of {$480.00} per month and over the last 9 years of onetime payments, our remaining principal balance is {$53000.00}. Over the years I have reached out my concerns to Wells Fargo about this loan and as a first time homebuyer, we did not understand the terms of this loans until a couple of years after its purchase. I went through a modification program, settlement program, and Home Equity Line of credit refinance program for this loan. They were all rejected by Wells Fargo because they see my wife and I are both working and can afford to make our payments. We have weathered the financial crises storm of XX/XX/XXXX and XX/XX/XXXX, but over the years our neighborhood did not. During that time period our house lost about {$100000.00} of its {$290000.00} from its initial purchase. Our house remains about {$35000.00} under water and with our bad home equity loan, at the very least Wells Fargo can do is modify this loan and have a normal financial rate. Our house has put us into so many struggling years and Wells Fargo is to blame for providing and tricking us with this bad loan. After over {$51000.00} of payments on a {$58000.00} loan, we still owe {$53000.00} on this loan. This is robbery. Our Wells Fargo Home Equity Loan account number is XXXX. If you could please look into this and do something about it, that would be much appreciated. That is the only right thing to do. 

Thank you, XXXX and 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