milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX XXXX, my son 's name is XXXX XXXX XXXX XXXX Transunion has repeatedly filed information belonging to my son on my credit report. Collection agencies are also doing the same. Collection Agency : XXXX Address : XXXX, IL XXXX. ( XXXX ) XXXXXXXXplaced XXXX ( XXXX ) delinquencies and collection entries for my son on my credit file since XXXX 2015. This is a problem that keeps occurring and Transunion as well as the collection agencies are not exercising due diligence in verifying that I am the correct entity they are seeking. Transunion also has me listed as " XXXX XXXX '' an alias I have never used. I 'm being harassed and because of my good credit, I 'm repeatedly targeted. Please help me to stop this, it 's a real hardship on me. 

Thankyou

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Chase has sent me a notice of accelerated action taken against myself and my father for XXXX. I have received ZERO statements from XXXX informing me of my current balance for two months and when the extended modification agreement was entered into I was specifically told that a forbearance would be applied to past due loan. This is the first letter i received and I obviously can not pay XXXX in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank citigold account with a promotion code XXXX, which comes with a XXXX Miles. After I fulfilled all of the requirements, Citibank neglected to deposit the XXXX Miles into my XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (AZ).
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 item on my Credit Report referred to by the Collection Agency, Diversified Consultants had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Student loan (Non-federal student loan) with Genesis Lending (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had originally attended XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX, FL XXXX in XX/XX/XXXX of XX/XX/2010, with the intention of pursuing an XXXX in XXXX XXXX, however the program itself was over {$32000.00} i had ended up finishing my degree owing more then {$56000.00} worth of loan of course including the combination of federal and private loans. Currently I am making my payments towards a lending service called Genesis lending of which i owe more than {$12000.00}. Unfortunately my current financial situation is not the best and to make monthly payments is almost difficult. They had promised me a career in Major and the only thing that they were able to give me was a part-time job as a XXXX. In my honest I feel that what that school had to me and many others like me was a great in justice. and now in order for me to continue my education I would have to pay for it out of pocket without any assistance, and to be frank there is no greater tragedy especially for someone of my age who has his whole life ahead of him.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Private student loan) with NELNET, INC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NC).
Issue: Fraud or scam

Complaint: First of all I would like to say that I am uncertain which category I needed to select, but I believe several would qualify. OnXX/XX/XXXXandXX/XX/XXXX I wanted to see what Bitcoin was all about. I thought I had an understanding, but clearly do not with regards to Coinbase. I purchased {$400.00} total via a XXXX credit card. I have had issues with Support from Coinbase from the get go! You can get NO SUPPORT from this company. I submitted support requests online, only to get automated responses that there is a delay in getting your issue or questions answered or resolved. I have called the Customer Support #, only to be on an eternal hold and no one answers. I want to close my account and will forfeit any profit made thru Coinbase. I was unaware that I would be required to submit a picture of my photo ID, front and back, to Coinbase .... and I am unwilling to do so for fear of my identity being stolen. 
I believe Coinbase is operating fraudulently and should definitely be looked at or closed down! 
Thank you! 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (I do not know) with CURO Intermediate Holdings (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On the date of XX/XX/XXXX an account was opened in my name for a Speedy Cash account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from XXXX XXXX XXXX XXXX with SPEEDYCASH as the original creditor. After calling Speedy Cash about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to Speedy Cash that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. XXXX XXXX XXXX XXXX did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to XXXX XXXX XXXX the same thing that I explained to Speedy Cash, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. XXXX XXXX really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (Medical) with CREDIT BUREAU OF NAPA COUNTY, INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Chase Receivables left a voicemail on my phone ( which I still have ) threatening that if I did n't call them back by XXXX that day they would lie to the hospital I have the debt with ( for an emergency room visit I had when I became very ill ) and tell them that I had refused to pay the debt. This of course was not true ; I did not refuse to pay the debt, in fact, the only reason this woman at Chase Receivables was calling me was because I had called her three days before to try to arrange payment of the debt. ( They also kept calling me during those three days when I said I did n't want them to ; I told them I would call them again when I was ready to arrange payment of the debt. Obviously they ignored my request. )

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Federal student loan) with Utah System of Higher Education (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: They know i am not working at the moment so i asked for a diferment they sent it i filled it out and sent it back to them in 72 hours that was in XXXX 2015 they said it will take 20-30 business days and i can go ahead and apply back to school beginning of XXXX 2015 they said they received it i tried to apply to go back to school the middle of XXXX 2015 the school stated i cant move forward since the people i am doing my differment through is not processing my request and the calling begins like they never got my letter they are saying they dont do those and all schools are suppose to tgey even promise that in your student loan package when you first apply they call every other day about XXXX times a day with different excuses of why i must pay or this will stay on my credit i have a family i have to take care of and this is not ok and i will sue if this does not continue to dtoo

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01-12-2018 about Debt collection (Federal student loan debt) with HEARTLAND PAYMENT SYSTEMS INC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Registered for classes with XXXX XXXX University last spring then decided to go with XXXX  XXXX. Several months went by then I received a letter that my account went into default reminding me that I had registered for classes but never started any work in them. It was my understanding that if no work was done the first two weeks I would be automatically dropped. That did not happen and now the school wants their money and sent my account to Heartland XXXX for collection. I can not dispute this with the school now.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Fraud or scam

Complaint: I deposited a cashiers check from an accredited credit union into my checking account at Bank of America on XXXX. A hold was placed on this check, which I believe is in direct violation of regulation cc of the Federal Reserve. The bank stated at the time that the funds would not be made available until XXXX. This is also against regulations that state the funds, if withheld, must be made available to a customer after 7 working days. I have spoken with Bank of America representatives twice, and they remain adamant that the cashier 's check could not be guaranteed any earlier. I believe their internal policy goes directly against the stated policies of bank regulators in the U.S.

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 07-06-2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I applied for and received a {$500.00} payday loan in XX/XX/XXXX. Although it was for {$500.00}, payment was received from XXXX different lenders for {$250.00} each. Payments were combined into XXXX loan by the lenders and paid in full in XX/XX/XXXX. I started receiving automated phone calls from XXXX stating that I needed to call regarding an important matter in XX/XX/XXXX. I called and spoke to a gentleman at Concord Resolution who claimed that the debt was not paid and that I now owed over {$800.00}, but that he would " cut me a deal and accept {$640.00}. '' I informed him those loans were paid years ago and to stop calling me. He said they would continue calling until I paid them and that if not, they would garnish my wages and sue me. I told him to go ahead and get his lawyers and I 'll get mine - his final words were " see you in court. " I did not hear from them for several months after this incident until last week. The same recorded calls are now being made to my cell phone XXXX times per day and to my WORK phone number, which is internal and unlisted, calling as many as XXXX times per day, even XXXX times in the same minute. I have no idea how they got this number. This is harassment and is absolutely unacceptable. I do not owe any money to these people and if I did, why would it not be reported on my credit? These calls need to stop and someone needs to address their aggressive, threatening collection tactics.

Company response to consumer: Untimely response
Consumer complaint received 01-12-2016 about Debt collection (Medical) with Frost-Arnett Company (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company continues to call my cell phone and work phone, trying to collect a debt that was wrongfully submitted to collections. The debt has been resolved with the original medical provider. However, this company, Frost Arnett, continues to contact me trying to collect a debt they are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I faxed Equifax on XX/XX/XXXX17 and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Virtual currency (Domestic (US) money transfer) with Coinbase, Inc. (VA).
Issue: Other service issues

Complaint: Two weeks ago my accounts with Coinbase were locked for some unknown reason. Since then I have attempted to reset my password to access my account and have been unable to do so because Coinbase does not recognize my IP address and after contacting their customer support I have received no response except for an initial email telling me to reset my password, which I can not do as stated above. Coinbase now has blocked my accounts and stopped communicating with me. They are holding approximately $ 16K of my money in Bitcoins.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was appointed my siste rs POA an d advised by the court I was not responsible for her. Debts. This was also confirmed by   Dept. Of Human Services.
Regardless I personally was sent to collections without my know  ledge without past due or contact for 2 years by the facility she resided in for approx 4 monthes.     I requested detailed confirmation of what charges were for and why I was not contacted. That was over a month ago. The information I did receive was a copy of the contract no dollar breakdown or dates trying to contact me. This was sent signature required upon receipt to both collection agency and facility i over 30 days ago with no response.     The facility was   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   Or.  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Pa  XXXX  accent ref #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I had closed a checking/savings account at US BANK with XXXX and reopened new accounts due to suspected fraud. I had explained to the banker ( s ) that we had Automatic Payments coming from the 'old account ' via either ACH, Check, or Debit Card Number ( s ) that we possibly could cancel or change if needed, but was reassured that they had all the notes in the account and any payments that attempted to pull from the old account prior to the date of close, would pull from the new account ( s ) with no issues. They did tell us that we still had to set up new automatic payments with each company for any future payments, but any prior ones to that day would go through without a problem. They were Wrong. Every payment made from that account was returned, Including the credit card payment that was to be made to my US Bank Credit Card in XX/XX/XXXX. US Bank Did eventually reverse any and all late payment fee 's associated with this error, but apparently did NOT fix the incorrect late payment information they had sent to the credit reporting agencies. Now, we are currently looking to proceed with an application for a mortgage but due to these two wrongly reported late payments, it has dropped my credit score significantly enough to not allow us to proceed. 
On XX/XX/XXXX, I had spoke to XXXX from US BANK via phone about this matter, because he was the person whom I worked with initially on this issue and told XXXX that my wife, would be in touch via email to discus/receive the necessary documents to allow us to proceed with the dispute process. He agreed, and said we would be in touch. My wife emailed XXXX XXXX from U.S. Bank, XXXX XXXX, WI XXXX XXXX Branch, On the same Day in regard to the misinformation that was reported to the credit bureaus from U.S. Bank ; two late payments from XX/XX/XXXX and XX/XX/XXXX. When she did not hear from him by XX/XX/XXXX, she sent another email to XXXX, asking if he had received the prior email. On XX/XX/XXXX, He responded, saying that he had been on vacation and that he would try to get to it that day. She responded that same day to acknowledge she received that email. After never hearing back from XXXX, she tried emailing again on XX/XX/XXXX, asking for his cooperation with this matter, but still have n't heard back. I have tried calling him as well, but have n't gotten through to him or his voicemail.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm in the process on getting a home, the person that 's running the credit and so I can be approved is saying every time she tries to run it 's telling her " inquiry information identified as fraudulent by consumer error ''. I 've been calling for the past two weeks, I started calling to be exact XXXX XXXX. They started asking me questions, the representative told me I had to fax paper work ( id and social security card ). That it will take 48 hours for it to get there. So the XXXX I sent my documents, waited and I called Monday. They said they did n't recieve anything yet, I asked to talk to a supervisor, name was XXXX. She said they got the documents but that the documents I 've sent the numbers were dark and they could n't read them. She asked to fax them again, so I did. I called again the XXXX, again They were having trouble finding my documents, got transferred to 4 different. One said they had em another said they did n't. I sent my documents again and the same issue. They were giving me the run around. They transferred me to a supervisor in XXXX, remind you I was on the phone for 1 hour 20 min, she told me that I had to wait 2 months, I had to create a profile, that they were was n't anything they can do. I have my receipts from what I sent. Even XXXX XXXX sent them a credit history and she still said I needed to send again, I had to create a profile etc etc. it 's very aggravating because again, I 'm in the process of purchasing a home and I wo n't be able to until this issue is fixed. I have names of the ones I spoke to and times. I explain to them my ssc was stolen but that 's why I was sending documents to confirm I 'm the same person in the social security.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a student loan with National Collegiate Student fro XXXX. I was unemployed and unable to pay them. I tried to get the loan deffered but the company gave me the run around to who was managing the loan. Two different agencies filed adjustment against me in court for two different cost.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Debt collection (Other debt) with EQUIFAX, INC. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX   XXXX   is saying I owe them {$830.00}. They sent this to Equifax and Equifax put it on my credit report from   XX/XX/XXXX .  Then they sent it to DIFFERENT ( I think its called  XXXX  ) collection agency and they put it on my report AGAIN. I disputed both of these. First dispute number is  XXXX , says it is closed with no change to my report. Equifax never mailed me anything. Second dispute number is  XXXX , this was just disputed a few weeks ago because I noticed it was from a different collection agency and opened in    XX/XX/XXXX .   I need something in writing, documents that I owe   XXXX   XXXX  , something, anything that Equifax has saying I owe it, and from all these opened dates, otherwise it needs to come off my report. It is hurting my credit. They can not keep turning it over to different collection agencies and then they report it as a new account ( j ust opened ) to k eep the 7 years starting all over again, this is against the law. I have had  XXXX  for the past  XXXX  years and still have  XXXX  and can prove it thru them.     Thank You,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX  , CO  XXXX   XXXX   Social :   XXXX  I ALSO MAILED YOU AND EQUIFAX A LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Northern Alliance Management, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company NAM, LLC has been calling me and other family members about a closed bank account, saying I owe money on this account. I asked that they mail me information about this account, they refused. I searched the phone number online and found that many people have experienced calls from this company and that it is a scam. Number I was told to call is ( XXXX ) XXXX

Company response to consumer: Closed with explanation