milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with ERC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX I switched my cellphone service from XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX offered an switcher program that allows XXXX XXXX XXXX to buy your phones from XXXX and pay your remaining cell phone balance. 
All of the necessary measures were taken from my end which required me to cancel service with XXXX, complete the switcher program online, and turn in all XXXX of my cellphones via mail. I have a photo of the box I sent through XXXX and the tracking information stating that the phones were delivered to XXXX XXXX XXXX. 
I never received credit for my cellphones and I have a remaining balance ownd to XXXX of {$2400.00}. This balance has now sent to collections and I never received any resolve from XXXX XXXX XXXX. I did receive confirmation that the cellphones were in the factory but they had to check the phones to make sure they were in good shape to receive full credit. All the phones were like brand new and I had only had them for about 3 months before switching over to XXXX XXXX XXXX. 

I spoke with XXXX local XXXX XXXX XXXX store managers and there was no resolve. I was referred to call XXXX XXXX about receiving credit for my phones and last payment. I spoke with multiple people which I have documentation of who and when I spoke with them again with no resolve. 

Lastly I spoke with corporate of XXXX XXXX XXXX which was the Executive Response Manager for my case and she explained that they had my cellphones and that they were behind in their work and they would get back to my case. After several email attempts she stopped replying to my emails after all the necessary information was presented to her. 

I now have this debt on my credit report and my cellphones were basically stolen by XXXX XXXX XXXX leaving me in financial grief and frustration. 

I am looking to receive {$2400.00} from XXXX XXXX XXXX to pay off the creditors and clean my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (VA mortgage) with LOAN SERVICING GROUP (LA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I filed bankruptsy due to my husband passing away on XX/XX/XXXX. Our income came from his sources and when he passed away, it cut my income more than half. The Lawyer that done my bankruptsy was banned from ever doing bankruptsies again, because he messed up so many people including me.He failed to get me to sign reaffirmation papers for my car and my home, but i did not realize it till XX/XX/XXXX, when it was to late to sign reaffirmation papers. It has been reported to credit bureaus that i have not paid my notes for months, and that is not true, I have proof I never missed a payment formy house or car, someone suggested I contact you for advise. 
My mortagage co is XXXX XXXX XXXX, But XXXX XXXX has taken it back over. Its bad enough to file bankruptsy without false information being sent to credit bureaus. I am begging for my life to be corrected, please can you help me? 
My car is financed at XXXX XXXX XXXX. 
I will be waiting for your decision. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 03/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Have loans from XXXX XXXX XXXX, I ask all the question to recruiters about credit transfers and wanting to obtain my bachelor 's. I quote would n't you rather go to a school that 's nationallyaccredited and not regionally?! XXXX. So much more involved charging amounts I never authorized. Putting more against my credit. I actually cut losses and started over about rear later after learning KY degree would n't be honored. Please help they are n't owed a dime after living so blatantly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: 3 days ago ( XX/XX/2017 ) I sent XXXX bitcoin from bittrex to gdax ( I 've done it before several times ) I received a confirmation email from gdax - coinbase as usual but this time the bitcoin have never arrived Transaction hash is : XXXX I found my transaction in the blockchain and it is completed ( spent ) but I still have n't received the bitcoin I tried to contact gdax-coinbase several times but they do n't answer

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: An item not belonging to me ( XXXX XXXX Credit Card ) is showing on Equifax. I first filed a dispute on XXXX/XXXX/XXXX. I have since filed 4 more disputes. I have also spent hours on the phone with both XXXX XXXX and Equifax. XXXX XXXX shows the item as removed from my name and credit. They sent me a letter confirming this XXXX/XXXX/XXXX, which I forwarded to Equifax. Equifax is still denying the removal from their reports, stating that XXXX XXXX confirmed the item as belonging to me. XXXX XXXX is stating that they did not receive an inquiry from Equifax. Neither company will call the other and both blame the other, with me stuck in the middle. I keep being told to file another dispute and it will clear this time but I 've already filed 5 disputes. No other credit agencies shows this item as belonging to me, leaving me to believe the issue is with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I have subscribe to Experian 's CreditCheck Monitoring service for years. Included in this product, I get monthly access to my credit score ( all XXXX credit scores ). This whole time, I believed my credit score to be in the mid to upper XXXX. However, when I recently applied for a credit card, I received a copy of my score from the bank. It was much lower than what is reported by the Experian CreditCheck Monitoring program. I believe Experian 's service is misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( TRANSUNION, XXXX, XXXX ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT.

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )

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 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I made a wire to Coinbase for US {$3000.00} on XXXX XXXX. Due to a name mismatch with the account I used to wire and my receiving account at Coinbase, Coinbase claims to be unable to credit my account. I have called Coinbase dozens of times and opened numerous cases with their support staff but am generally unable to get though due to " high call volume ''. When I can get through, the staff opens a case and claims they will have a " specialist '' look at it. It has been more than two months and I have not heard anything from anyone.

Based on the lack of an real customer support at Coinbase, I contacted my bank and had them reach out to Coinbase 's bank directly, XXXX XXXX XXXX. XXXX XXXX XXXX has request that XXXX XXXX XXXX reverse this wire 5-6 times but they have yet to even respond to this request. It has been more than two months and neither XXXX XXXX XXXX, nor Coinbase have come back to me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Consumer Loan (Installment loan) with Alliance Data Card Services (IA).
Issue: Problems when you are unable to pay

Complaint: Comenity is  harassing my phone number by calling several times in one day. When I answer and ask who is calling they do not dispose of that information. They give me their personal name and when I inquire what company they are with they will not disclose that information. They keep calling using number  XXXX  from Colorado.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: P
ortfolio Recovery Associates ( PRA ) is falsely reporting se  veral different accounts from the Original Creditor,   XXXX   XXXX   on all 3 major credit reporting agencies ( CRA ). I have attempted to have the amounts updated and requested that the CRA 's validate the amounts and provide proof from Portfolio Recovery Associates. PRA falsely verified that the amounts in question are correct.
I will list 2 of the 3 accounts on this complaint and the 3rd and 4th complaint will follow separately  .  <P/>  Account Number  :  XXXX  PRA is reporting an amount ( original ) owed of {$890.00}.  <P/> I have verified with    XXXX   XXXX    that the true amount is {$810.00}.   <P/>
2nd Account PRA is reporting an amount ( Original ) of {$590.00} I have verified with   XXXX   XXXX   that the true amount is {$540.00} Documentation will be attached and additional can be provided under request.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 sent TransUnion a letter on  XXXX / XXXX / XXXX  in regards to unauthorized inquiries being reported to my credit report. I 've advised them that I did not authorize these inquiries and to review and delete. Today I 've received a response in regards to my dispute letter from them dated  XXXX / XXXX / XXXX . They 've refused to investigate and delete these inquiries. A valid dispute should be reviewed in 30 days but I 'm almost positive they did not come up with a valid resolution for this dispute because they came up with a resolution  XXXX  days letter. There was clearly assumption from TransUnion that these inquires were unauthorized, with no investigation or proof. What they stated in the letter was " The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for  XXXX  years. '' As you probably know,  Credit Reporting  Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting  Act15 USC 1681n  ( a ) (  1  ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.     The following unauthorized inquiries are as follows : -  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

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 09/19/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: CHASE BANK MORTGAGE LOAN # XXXX WAS NEVER AGREED UPON AND MODIFICATION NEVER SIGNED, CHASE HAS SINCE AQUIRED XXXX TO TAKE OVER LOAN WITH A NEW MODIFICATION XX/XX/XXXX, CHASES AND XXXX HAS COMMITTED DUAL TRACKING FOR OUR PROPERTY XXXX XXXX XXXX , XXXX CA XXXX WE RECENTLY RECIEVED OUR FIXED NOTE ( PAID IN FULL ) WITH THE CHASE LOAN # XXXX AND A FULL RECONVANYCE WITH THE XXXX LOAN # XXXX BOTH LOANS HAVE DIFFERANT LOAN NUMBERS AND DIFFERANT XXXX # FOR THE SAME PROPERTY. THEY STOLE OUR PROPERTY OF OVER 23 YEARS AND WE WERE CURRENT WITH OUR ! ST LIEN HOLDER, AND NOW THEY SOLD OUR PROPERTY UNDER OUR NAME FOR XXXX, BUT SENDS A RECIEPT FOR {$150.00} WE WERE EVICTED OUT OF OUR HOUSE IN XX/XX/XXXX BY FRAUD AND THE PROPERTY IS STILL IN OUR NAME IN XX/XX/XXXX WITH CORRESPONDANCE OF FEES AND INSURANCE CLAIMS ON PROPERTY, BUT WONT SEND OUR FINAL CLOSING STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Other financial service (Debt settlement) with Manhattan Beach Venture, LLC (NH).
Issue: Fraud or scam

Complaint: Student loan scam. Signed up after they promised to eliminate my interest, get out of default, and get a fixed payment. Realized after that I was scammed, give credit card info for preliminary payments. Was supposed to receive paperwork in the mail, never got it. They call themselves Student Loan Relief Program, called Manhattan Beach Venture LLC when they tried to withdraw money from my account. Luckily, it did n't work and I 'm not sure why ... .not sure what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I paid my balance on my Wells fargo credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XXXX/XXXX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed from my credit report as promised. Ive disputed this claim with XXXX and XXXX to no avail. This was not the agreement I made when completing my payment and my credit report should reflect that accurately.

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 02-12-2016 about Mortgage (Conventional fixed mortgage) with LAND HOME FINANCIAL SERVICES (CA).
Issue: Application, originator, mortgage broker

Complaint: I started out with Landhome Financial Services about 2 months ago The agent`s name is XXXX XXXX and the complaint is about this individual. He was referred to me by the owner of the property. The owner is also the buyer and the real estate agent for this property. His name is XXXX XXXX. At the very beginning XXXX relayed to XXXX XXXX that I can only qualify for XXXX This was not relayed to me. XXXX kept dragging the situation never telling us whether we would qualify for the loan which is held at XXXX. and also never telling me that we would not qualify. Next I was suggested that I should find another job which I did but had to resign after 2 weeks as the job was not on par with my qualifications i.e. the job entailed me XXXX 5.5 hrs for 4 nights a week. I am a XXXX and our XXXX is very much restricted to at most 9 hrs per week. This coupled with a XXXX and being in XXXX I had to resign. I was grilled by XXXX and XXXX as to why I resigned when they were so close to closing. XXXX XXXX advised me to find another job and quit after securing the loan which is a fraud. I have to apply for a job in the academic market which has its own timing so I refused to look for a job and wait until the academic market opens up again. 
XXXX and XXXX also informed me that the property needed some repairs and such should be included in the loan amount which then makes it a XXXX. XXXX called his agents to make an appraisal and came up with this price. I objected to this and told XXXX that I do not want to pay a larger tax and interest and I would rather pay for the repairs out of pocket which I never received any bills for. In addition I received an email from my lawyer in XXXX that notified me of a deed as per a land sale. Under legitimate conditions the translation is done via the XXXX XXXX XXXX in XXXX XXXX via sworn translators who have the permit to operate in the US. XXXX got this translated via google translation which naturally came out as a nonsensical set of words that have no legitimacy. I was in the process accused of lying as well. 
XXXX XXXX also allowed us to stay in the property until the loan is closed as we were lead to believe that this would close. Now the interim contract is about to expire and the purchase contract which is signed is also about to expire. We are also told by XXXX that he advised XXXX to list this home after all to be sold in the market rather than selling this to us. I dismissed him from this job but now XXXX is still interfering with the process. I also have the emails from XXXX asking us to leave his property right now. This is the type of greed that collapsed the housing market in the U.S. I am not sure if the loan officers and the real estate agents are scrutinized.

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 07/23/2017 about Debt collection (Credit card debt) with Merchants' Credit Guide Company (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I, Called XXXX XXXX Starting on XX/XX/XXXX to resolve a debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. The collection agency informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account. I gave XXXX XXXX my file Number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX or the Collection Agency they said that I could pay either one. before agreeing to pay i asked the associate that I spoke to " Once payment is made in full will the charge off be removed from my credit report and he answered yes. I then asked him if he was sure he repeated yes '' he assured me as soon as there office received full payment that the charge off would be removed from both credit Bureau 's i sent a cashier 's check in the amount of {$320.00} to Merchants ' Collection Agency. I  then called XXXX XXXX back after payment was made, spoke with a supervisor and he said that they would not be removing the charge off from my credit report. He said " the he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their associates and i gave him that person name. I explained to him that that was unlawful what they did to me. He then apologized and said he was going to have a coaching/training meeting. This is Larceny by Conversion and this company reported that the account was paid but refuse to removed the charge off from my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Checking or savings account (Checking account) with E*TRADE BANK (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I am filing this complaint regarding XXXX Bank which wrongfully closed my XXXX Account with them for unknown reasons. This illegal closure of my account resulted in my becoming homeless and destitute. 

I have been contacting them every week recently to try and recover the funds that I had deposited of my SOcial Security XXXX into this account with no success.. 

This has made my XXXX worsen. I have Chronic XXXX and XXXX and the money I had deposited in the XXXX XXXX account was meant to be my savings including for my retirement. 

I know I am doing the right thing as a consumer that believes the law must serve the consumer. XXXX 's mishandling of my hard earned Social Security XXXX XXXX XXXX is grossly unfair and I am seeking the full recovery of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: I sent the money XXXX dollars from Western Union ( from a store in XXXX with Operator Id XXXX ). They did not pay my money back to my country and the status says paid. They gave me another tracking number for refund. I requested the store for a refund but they denied me to pay since the status is paid for one of those tracking number. I have been a victim of fraudulence since I was not given any reason for the refund and nor their operator knows about it. The store asked me to go to bank for the refund. I had to send money to my country for a very serious reason. I make good enough money as well. Please help me with that.

Company response to consumer: Closed with explanation