milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has put me in collection for a debt that I do not owe. They have never sent any outstanding balance info and never contacted me once about any unpaid debts. I do not have an account with Enhanced Recovery Corp and do not owe them any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hunter Warfield is attempting to collect a debt in which I am not obligated to pay using incomplete and falsified documentation. I have been in contact with Hunter Warfield by phone for several months off and on as I am an XXXX XXXX service member and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when all of this started. The initial circumstances leading up to XXXX XXXX attempting to incorrectly charge late fees and and change rent were while I was XXXX on XXXX XXXX XXXX and caused by a change in XXXX Ownership and management. During the change, XXXX changed website and cancelled my prearranged method of paying my bills. Due to circumstances relating to my XXXX XXXX service and XXXX status, it was incredibly difficult to login and pay rent owed. Additionally, XXXX began leaving notices on my door indicating impending eviction and harassing letters on my door even at my request not to do so because they were public and embarrassing. As a result of this situation, I arranged to have my belongings moved and gave 30 days notice. XXXX refused to remove erroneous fees from my account, so I calculated and paid what I owed them. Following my leaving, XXXX hired Hunter Warfield to collect the alleged debt. Hunter Warfield contacted me by phone some time following my XXXX in XX/XX/XXXX and alleged I was obligated to pay an unsubstantiated amount and insinuated if I did not pay the amount it wouldnegatively affect me in some way. I offered to pay what I owed in move out fees, but HunterWarfield refused payment. I also requested Hunter Warfield to provide documentation verifying debt  owed. Hunter Warfield responded nearly an entire year later in XX/XX/XXXX, while I was on my third XXXX during this dispute, with an electronically signed lease with handwritten figures and no signature pages. Upon my return to the US in XX/XX/XXXX and receipt of Hunter Warfield letter, I  then secured legal representation and had my lawyer write a letter to Hunter Warfield in an effort to resolve this matter. Hunter Warfield did not respond to attempted correspondence and reported false information to the credit reporting mechanisms. This situation has affect me financially and is now starting have some affect on my job and standing in the military.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (NC).
Issue: Problems when you are unable to pay

Complaint: On or aboutXX/XX/2017 a field agent for Conns Home Plus store at XXXX XXXX NCXXXX XXXX came to my residence in a white box truck. Asked people outside my home did I reside here and was I at home. They proceeded to tell the gentleman I was at the hospital and the gentleman left 1 sheet of paper with one of the people that was standing outside my residence. Upon my return I was given the paper which appears to be a print out from Conns Home Plus system which included ALL my vital account information on it. This is/was a direct violation of the FDCPA and third party disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with these credit reporting companies 7 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX  and Experian demanding for the rightful deletion by law. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  because it was deemed fraudulent. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC. See attached reports cerifying ID Theft and specific account in question that SHOULD NOT be reporting in   XXXX   and Experian.     I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.

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 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
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: I live in XXXX GA and on XX/XX/XXXX I traveled by car to my dads in XXXX XXXX TN. While there I made card transactions with my Citi credit card both in TN on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I received a fraud alert from Citicards about purchases that went thru on XX/XX/XXXX. I reviewed my account online and saw 15 transactions that took place in Illinois, mostly XXXX. Some at the same place over and over. I immediately called and was already online to disput the transactions which the representative told me I could do. I hung up without him advising that if it was multiple transactions or pending I would need to dispute with him ( which I found out when I called again ... ) I did not receive a case number just an email advising I had a dispute opened. It did not identify any transactions. After not hearing or receiving any type of communication about my claim ( my card was closed so I could not access online banking ) in over a week I finally received my new card and was able to review online and saw they had credited me with 9 of the 15 transactions. I once again called to ask about my claim on XX/XX/XXXX and was then informed of the fact that with pending/multiple I should have called it in. She disputed the remaining items and once again I was not provided with a claim number or any information on my claim in regards to resolution timeframe or anything. I called again on XX/XX/XXXX and was told it was still processing, I requested to file a formal complaint with them as I did not think it was fair that they did not provide me with any type of resolution in writing/email. But I was told I would receive communication from them in regards to my case, nothing to date. I called again on XX/XX/XXXX as my statement has now ran and I have 15 fraudulent charges on my card, and charged interest and only 9 dispute credits. I was then told that they would resubmit my transactions after I had to go over it transaction by transaction as she told me I already had my full credit, so no one reviewed this the previous times I called. I again asked to file a formal complaint, again as I did not think it was fair that I have not received anything from them in regards to my claim, which the person advised she would file it for me but could not give me a case number and I was advised it was for internal tracking only. I was then advised I would receive my credit within 2-3 days, it is now XX/XX/XXXX and I just do not want to call again. If they could just provide to me in writing why they believe they should not have to pay the fraudulent transactions on my statement ending XX/XX/XXXX I would at least be able to provide proof that there was no way I was in 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 monetary relief
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX/XXXX/2017, Persolve has been hassling my work phone and mobile phone with daily calls saying that they are a debt collector and I have a debt to settle. The message wants me to call the number provide XXXX. I refuse to call the number provided as they will request for sensitive information that I will not give over the phone to an unknown company. 
I do not have any overdue debt that has been sent to the collectors. I have my credit frozen therefore would get notified of any suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Every month the company sends me a letter prior to sending the statement saying what my next months payment will be. I always pay my payment on time and have never been late. All of the sudden the XX/XX/XXXX statement comes and it does n't reflect what the payment letter stated the payment was to be. Then when I went to make the payment on line the it said exactly what the payment letter said was due for the payment. So I made the payment and the next thing I know they are putting my payments to a suspense account and saying there was a payment shortage. I contacted the mortgage company and they could n't tell me why and they would have to send it to the research department and they would get back to me within 10 days, which never happened. I have sent them emails to XXXX different departments ( I have attached a copy of one of the emails please note all XXXX were the same ) requesting the information and a registered letter which they acknowledge getting, but they still continue to charge me an additional amount every month. This has been going on for 3 months now and when I pull up my payment history they have all these charges and rev charges and some charges I have never heard of. I can show my payment history that shows payment after payment and then all of the sudden on XXXX XXXX all these crazy charges started. They refuse to explain to me what these charges are for? Again, this month I went to make the payment as always and the only amount it will allow me to pay is the regular amount ( and extra principal if I want ). Can someone please help me? I had a similar issue with them when they purchased my and loan and it took forever, but they finally straightened it out after they continually treated like I needed credit counseling and possible loan modification, when in fact i just wanted to make my regular payments on time and have them credited correctly, and now years later here we start again! Please note that i have EVERY statement from the very first payment on this loans origination approx 11 years ago. I have never been late one payment and never intend to!! I just want to make my payments and have them credited properly and if there is an additional charges please tell me what its for! Just think if they charged every customer an additional XXXX ( approx amount ) how much additional money they would make from those people that just pay and never question it. Now they are trying to jerk me around because I did question it and they refuse to give me an explanation or fix it!! Please help! Thanks

Company response to consumer: Closed
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have several accounts listed on my credit report that are not mine. I have contacted all 3 credit berueas and ask them to provide physical proof of the debt owed and none of them adhered to my request. I also contacted the direct companies alleging I owed the balance and they also could not verify that I was the person insued to this debt. Many have even admitted it was a mistake. I need help to remove the following items off of my credit report.

XXXX : ( XXXX  ) -XXXX  XXXX XXXX.XXXX XXXX XXXX XXXX XXXX , Amount owed - {$150.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX   Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX  XXXX  Amount Owed - {$760.00} Acct # XXXX  XXXX : ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl Amount Owed. - {$600.00} ACC # XXXX  ( XXXX ) -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX - Amount Owed - {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il Amount Owed - {$440.00} ACC # XXXX  Transunion : XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX  , XXXX Amount Owed XXXX ACC # XXXX  ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX  XXXX Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Amount Owed - {$760.00} Acct # XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Acct # XXXX  Amt. Owe {$190.00} ( XXXX  ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN Balance : {$190.00} Acct.

( XXXX ) -XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc. # XXXX Amt. {$1300.00} ( XXXX ) XXXX XXXX XXXX  ACCT. # XXXX Amt. {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL Amt. Owed - {$1700.00} Acct. # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MN XXXX Amt. {$1000.00} Acct. # 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 07/27/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NE).
Issue: Money was not available when promised

Complaint: My money transfer was put on hold, due to a " need '' for additional information. Tried to call them was put on hold for almost XXXX hours, so I disconnected the call and redialed their number. Then after refusing to let them transfer me again, I told the lady whom I was speaking to that she needed to help me out, and that even though it was unfair of me to wait, I told her that she could put me back on hold, instead she disconnected the call on me. So at XXXX I decided to call them back. I got through to someone almost immediately, only to be place back on hold and that was XXXX minutes ago. Money gram is refusing to let me cancel the money order also, placing it on " A hold ''. I feel like this is against my rights because they had no problem taking my money but now I ca n't seem to get it back. I do personally know the receiver of the money, so I have no worries about it being a scam. I am still on hold after XXXX minutes on this phone call. The representatives on the phone were also very hard to understand as they did not speak clearly and understandable. They were also asking very personal questions, I understand they are just trying to make sure nobody is getting scammed, but after I have personally confirmed that I knew the receiver and there was no way at all it was a scam, they should have had no problem sending the money through. I am very displeased with this company and will no longer be dealing with them, and the same goes for the receiver of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I HAVE SEVERAL XXXX ACCOUNTS ON RECORD AND NEED TO CHECK THEIR DATABASES TO LOACTE ALL ACCOUNTS AND THEN ASK XXXX TO CONDUCT AN ACCOUNT REVIEW MAKING THE REPORTING PRPERTLY DONE SO.

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 05/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filled out a request on-line to Transunion in XXXX, 2015 to investigate a fraudulent reporting on my credit report. The request for investigation was for a line item on my credit report from XXXX XXXX, # XXXX, for a collection of {$410.00} that was from the XXXX XXXX XXXX XXXX in New Hampshire. I explained to Transunion that I did not bring my animals to that veterinarian, and further explained that when I called the vet to dispute the charge, the vet said the bill was for the animal " Willow ''. I explained that the animal in question was my x-wifes cat that she purchased years after our divorce. The vet also stated that the address on the account was my x-wifes, as well as the phone number on the account. Only the name was mine. Therefore, the vet removed my name from the bill but they did not remove the amount from collections. Therefore, I was disputing this amount on the collections with Transunion. Unfortunately, I never heard back from Transunion. When I called back in XXXX of 2015, they stated that they could see the request on-line, but the request never made it to the correct office to investigate my complaint. I then gave a second complaint over the phone, explaining all of the above. Transunion completed their investigation and came back with the result " VERIFIED, NO CHANGE ''. Therefore, I would like to file a complaint against Transunion for 1, not acting on my original request for an investigation into a fraudulent reporting on my credit report. But also 2, for completing the second request and coming back with a " VERFIED, NO CHANGE '' finding with all of the evidence clearly exists to show that this is a fraudulent charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I terminated my XXXX XXXX account due to a better deal I received from XXXX. XXXX sent me a bill indicating I have a credit of {$25.00}. I then had their network equipment sent back. 

After about a month, XXXX sent me a bill of {$140.00}. I returned the bill indicating the service was already disconnected. After about another month, we were receiving calls from private callers and/or caller IDs with XXXX*. When we try to answer the call, they will always hang up. When we enabled voice mail, the callers will hang up or leave a continuous tone on the machine. 

We stopped receiving these calls on XXXX XXXX, the first day of the XXXX strike. I noticed that my XXXX score went down from " XXXX '' to " XXXX '' due to a " derogatory '' record from the " unpaid '' XXXX bill. 

I would appreciate your help in this matter. 

Thank you for your efforts. 

Respectfully, 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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I am on the list of potentially affected consumers under the Equifax Cybersecurity Incident 2017. Please know that I want Equifax to be held responsible if my credit or financial state is negatively affected by this case. 

Please also place an initial 90 day fraud alert on my file, at Equifax, XXXX, and XXXX. 

Thank you! 

P.S. Every member in our family came up on the potential list ... so when you contact me, I will want this procedure followed with all of our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS 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 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 INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 07/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: On XXXX the XXXX I withdrew exactly XXXX XXXX to my personal account from Coinbase via a XXXX  transfer, since then coinbase has not responded to any of my support tickets and has now been over a month. The lack of communication and lack of support makes me to believe this company is withholding my XXXX for their own benefit and completely lacks any customer care or support. I have contacted my bank ( XXXX ) and they have responded that the transfer was actually returned to Coinbase themselves. So therefore they need to credit my account with exactly XXXX XXXX. I 'm frustrated and angry with this lack of communication as it 's a lot of money, I 'm hoping you can help resolve my issue.

Company response to consumer: Closed with explanation