milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This has to do with XXXX collection agencies. XXXX, Convergent, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called XXXX several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to XXXX it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Other transaction problem

Complaint: I tried to purchase XXXX BTC from coinbase I received an email stating my order was cancelled. so I withdrew money out of my bank account. coinbase still deducted the money for the purchase out of my bank account via my debit card. Which overdrew my account. I never received any Bitcoin and coinbase does not respond to my emails. My coinbase account is under the email address XXXX  At the time of purchase the amount of Bitcoin was worth {$450.00} plus they charge me a fee for loading the account when I only use them because they said by Bitcoin for free with a debit card

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I started with disputing accounts with credit bureau because last payment dates were wrong, all account are over seven ( 7 ) years old. I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way that statement can be true is if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. It helped but some accounts were duplicates. Then the dates on reports that remained began changing again. In fact on XXXX ( XXXX ) accounts opening dates were changed and closing dates removed making it look like their open and in collection. This was after original creditors had removed them from credit report. The accounts were different at each credit bureau web site XXXX had account numbers XXXX did n't. and some were duplicate account numbers with different information. It 's hard to know which is real account. I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. There are so many XXXX XXXX accounts with different information I have to file all of them because I ca n't tell which is the original one, there was only XXXX XXXX XXXX card. I am working off of XXXX credit bureau with this complaint, it has account numbers maybe they will help, even if numbers have changed there better than nothing. All of the credit bureaus are the same in one respect, none have any payment history on any accounts that are in question. I have my past seven ( 7 ) years of bank statements and there were no payments made on those dates in fact no payments were made in those seven ( 7 ) years. I do n't know what is left to do. I 've disputed and contacted all XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX creditors and the XXXX in collections and I guess because of duplicates on most derogatory accounts a lot still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 called Experian on XXXX XXXX XXXX to clear up an unfair score on my credit report. In XXXX of XXXX I went through Chapter XXXX Bankruptcy and had all my debts discharged. Prior to this I had ZERO late payments on my 4 credit accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, according to Experian 's own records, I had no late payments on these accounts. Specifically, the operator told me that I was late in XXXX of XXXX, but when I look at Experian 's own records on that exact month its says " current on payments '' ( please see attachments ) Regardless Experian will not let me dispute the so-called late payments ( see attachment ) because according to their own error message : " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' But Experian has still labeled 35 % of my score as " Fair '' ( see attachments ) due to 4 late payments. There is clearly conflicting information and when I called they said there is nothing they can do. 

Additionally, my score at Experian is more approximately 40 points lower than the other credit reporting companies ( see  attachments ) who also show that I have ZERO late payments. 

Clearly, Experian is not reporting correctly and this has made it impossible to lease a car or get a credit card.

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 11-06-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Money was not available when promised

Complaint: money transfered but not received at any location or desired location in XXXX XXXX XXXX XXXX XXXX I transfered {$760.00} to XXXX with tracking XXXX XXXX WITH WESTERN UNION but the money is not received .I have called western union and e-mailed several times but no response hence this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NC).
Issue: Account opening, closing, or management

Complaint: Since JP Morgan Chase implemented the new touch ID feature I have had several issues attempting to use this function to access my checking and savings account via my mobile phone. I 've called several times and they 've walked me through a very long drawn-out process where I 've had to reset my password each and every time. The password criteria is very stringent which requires XXXX characters as well as special characters along with upper and lower case letters and numbers. I am livid as this issue only became relevant about 4-5 months ago but since then I have been encountering this issue very other week when attempting to access my account. Please address my concerns at your earliest convenience as this has caused much delays in payments being transferred to other accounts, inquiry regarding account balance as well as a waste of my time. I 've been on hold with them for several minutes while they " tried '' to resolve the issue and have spoken to managers about this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I went to a n HSBC branch to cash a check from someone on their HSBC account. The teller asked me if I have an HSBC account. When I said no, he told me in order to cash their own check, they would have t o charge me {$5.00}. I told him that is ridiculous. He said there is nothing he can do.     I can deposit it in my own account in another bank to avoid the charge, but this really punishes poor people who can not afford bank accounts. It is an outrageous abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We are having a hardship and closed the business and need the mortgage modified to a 3 % interest rate and extend to 480 payments due to loss of job, income, and business.

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 10-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

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 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
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: On  XXXX   XXXX ,  2017 , I purchased a brand new textbook from   XXXX   XXXX   XXXX   in  XXXX , CA for {$85.00} using my  Discover  Card. This textbook, in brand new condition, was supposed to come with an online access code. The textbook that I received, however, DID NOT come with such a code. In addition, the textbook was missing pages. After multiple unsuccessful attempts at working this out directly with the merchant, a dispute was filed on  XXXX   XXXX ,  2017  directly with my credit card iss uer, Discover Card . On  XXXX   XXXX , I received notification that the credit card issuer is unwilling to assist me in this case due to " lack of documentation '' from my end. With all due respect, I expect a full credit to be issued here. I received damaged merchandise from a dishonorable and dishonest merchant. I tried, in my best interest, to get this issue directly resolved with the merchant. When the merchant refused to cooperate, a billing dispute was initiated. As it stands right now, I am left with a damaged and defective textbook that is missing content and a credit card issuer refusing to cooperate in this investigation. I expect Discover Card to be held fully accountable for this as I did everything I possibly could with respect to a resolution with the merchant. In this circumstance, a full refund of {$85.00} is the only amicable resolution to this defective textbook purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Payoff process

Complaint: Synchrony Bank took funds out of my checking account with my consent. This is causing me to go without money for me and my family of XXXX for over two weeks. I can not even feed my children due to them taking out money without my consent. I understand that I was late in my payments due to my job loss, but I had never agreed nor had a monthly payment reoccurring plan set up with them. How did they get my bank account information? Is n't that theft and fraud? I am still struggling and plan on making payments to them but how can they get away with this.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted a dispute to Equifax on  XXXX / XXXX / 17 . My fax was confirmed as successful. I logged in to check the status on  XXXX / XXXX / 17 , and their website is stating that they completed the results, but the results were listed as N/A. In the past 6 months I have gone back and forth with Equifax on reporting addresses I do not live at, and have never received a piece of mail at. They refuse to remove the address. Also, I am disputing Inquiries made under my name that I did not authorize, and they refuse to supply me with proof that I made the inquiry and refuses to remove the inquiries from my credit report. I provided information that in the month of  XXXX   2017  I was in  XXXX  &  XXXX  and my credit card information was stolen resulting in some of the inquiries. Not only have not investigated anything, but their website is stating that they complete the investigation, but provided NO results to me. I am so tired, and I am so frustrated with them. They have items on my credit report but are n't providing me any data that states how they are " verifying '' the accounts belong to me. This is stressful!

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Federal student loan) with COAST PROFESSIONAL INC (VT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The collection agency was not garnishing my social security for the past year and it said my debt was forgiven and when they did start to garnish my XXXX they never notified me

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Please Help me. This item has been repeatedly submitted to the credit reporting agencies. I have given them proof of the item being paid in full. In speaking with the original collection. agency, they said the paid in full update was submitted to the credit reporting agencies at least 4 times and this collection has remained incorrect for over 2 months. I do n't want to take legal action yet. I do n't know how these credit reporting agencies could have verified the accuracy of the account when the collection agency has repeatedly updated it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Customer service / Customer relations

Complaint: Had to dispute a credit card charge. First XXXX cust. serv. operators were in XXXX or something, and they were very courteous. But the XXXX one could not understand me. And the XXXX XXXX I could n't understand him. So I asked to be switched to a XXXX operator and got a nice gal in Kentucky. She could not see any of my charges, she said there were no charges on my card, even though we verified we were talking about the same account. I ended up talking to XXXX or XXXX people before I finally got someone who could help me. And in talking with a manager about this, all they can see are phone calls # XXXX, XXXX and I think XXXX. They 're system definitely does not show my first call. I also got disconnected twice and I 'm on a land line, we do not get disconnects here ever. I was very disappointed at the customer service. Now why this is important is people have the right to dispute a charge, and if the company makes it through their own incompetence and poor training very difficult to contest a charge, a lot of people I know would give up. My mom who was XXXX when she passed away would have given up after the XXXX operator. It 's important that these credit card companies not impede people 's abilities to contest charges. Having over-seas operators works fine if they speak XXXX correctly at least so you can understand them.

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 10/22/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been reviewing my credit report closely because I am looking into buying a house. 
But the statement of " Serious delinquency '' continues to come up on my report. 
I have not had any Serious delinquencies in over 10 years, Why is it still on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today, right after XXXX I answered a phone call from an unknown name. It was Commenity Bank in reference to my XXXX Credit Card. I explained as I had a couple of days ago that I am out of work. They had previously offered to take my money out of my account and they read off part of my checking account number. I explained this morning I am out of work and do not have the money. The rep asked why I was past due after I had explained so I said good bye and terminated the call. The phone rang a couple of hours later from an unknown caller I.D . and I knew it was them again and did not answer it. They called again around XXXX XXXX and I answered it. I explained that I had advised them this morning I had no money and was out of work and was going to file a complaint. The complaint is for harassment. It is XXXX enough being out of work and being unable to pay, with out after having explained it, they continue to call and not even just one time a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Bank account or service (Checking account) with BB&T CORPORATION (SC).
Issue: Account opening, closing, or management

Complaint: I am writing to complain about a recent expierence with my bank Branch Banking and Trust Company. I have had an account with them since XX/XX/XXXX. On Tuesday XX/XX/XXXX I went to my local branch at XXXX, SC, XXXX phone XXXX. I talked to a Branch Team Member XXXX. I requested that my current checking account be closed and I opened a new one. I gave her a list of items I wanted paid and left just enough money in the account so those Items would clear. Also a month earlier I opted out of over draft and ach/ech protection and instructed her not to pay any other items presented, pretty clear cut instructions and she said she under stood. I also deposited {$20.00} in my new account the next day my wife came in to put her name on the account and deposit {$300.00} she was told an item that was not on the list was paid and that she owed {$10.00} more dollars.I contacted XXXX and she politely told me that they could not close my account until all the Items cleared. I asked if I could talk to her supervisor she gave me a phone # where I was told to leave a message no one ever called back. On the morning of the XX/XX/XXXX I went online and found I was charged overdraft fees of {$36.00}, {$36.00}, and {$72.00} to cover other Items I did not authorize. I contacted XXXX on the phone and asked her how much I needed to deposit to close my account for good so no more transactions would be processed she said {$620.00} I deposited over {$800.00} and thought the matter had been taken care of for good. Today I went online and found they processed another item out of my old account and charged me a {$72.00} overdraft fee. I called to talk to XXXX and she would not take my call i explained my story to a teller she told me my account would be closed tonight and I would have a positive balance of about {$60.00} on Wensday XX/XX/XXXX.At the least this is the worst example of customer service I have ever seen. However I think they may even be in violation of some consumer protection laws for one I was opted out of over draf protect but still charged over {$300.00} in over drat fees to cover items that did not even amount to that much. When I politely asked for a refund I was refused, Your assistance in this matter would be greatly appreciated my contact info is XXXX XXXX SC XXXX. Phone XXXX XXXX XXXX, and E- Mail XXXX Regards 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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contacted XXXX and Transunion to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.

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