milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2016 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My fianc at the time, XXXX XXXX had a co pay to resolve, we were sending payments each month until one day it was sent to collections for some reason, we were unaware that it was sent to collections until I had spoken with someone from QAR Collections named XXXX who informed me that my fiances Doctor submitted this to collections, XXXX was supposed to call me back with a payment arrangement but never heard from her until I opened up a bill asking for full payment. This collection has my name on it and I 'd like to know why they have listed me when this was not my debt, I 'm very disappointed and this is the only attempt they have made. I also do not like how they are threatening us in this letter and I wo n't tolerate it. We will pay this but their terrible collection practices need to be looked into

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with GUARANTEED RATE INC. (MA).
Issue: Trouble during payment process

Complaint: I was sent a notice of transferring letter that stated that my loan would be transferred from Guaranteed Rate to XXXX XXXX XXXX effective XXXX/XXXX/XXXX and that my next payment should be made to Guaranteed Rate. However, I was never given a XXXX account number. I called XXXX on XXXX/XXXX/XXXX to make the payment and they said my loan was not in their system. I called Guaranteed Rate and they said the transfer had been delayed. However, no one had informed me of this in ANY FASHION. I do n't see how this is remotely acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: Hi here we go again with Wells Fargo,2nd complaint in 1 week.I have a escrow account thru my mortgage that pays my property insurance.The letter from XXXX XXXX  attached claims they did not make this payment, which was due b4 XX/XX/17, today is XX/XX/17 & is asking me to pay it.Wells Fargo I am really getting tired of your non-stop XXXX & pay XXXX what is due them.Also this affects my insurance as it will show up as a late payment.XXXX  wants there money now which should have been paid 2 months ago.Thank you.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: Not really sure about trans union credit scoring compared to the other 2 credit bureaus, they have the same things, same dates, same information, yet they are almost XXXX points different with XXXX, and XXXX on XXXX, there 's not difference on all three reports, same information, I called transunion and was told it 's a different scorning system. The problem is I have tryed to get financing and all the vendors use transunion, it 's affecting my livelihood, there should not be that much different in the scores, you ca n't have a A rating with one a B with another, and a F with transunion, they have to be some what close, I understand there might be some differences but not XXXX and XXXX ... they would not answer my questions, and told me it 's not there problem and nothing they would do about it, my score has dropped from a good score to a XXXX in the last few months with no reason..all they had to say my name had a XXXX on it and I told they I am not a XXXX, they would check and let me know by mail that 's was over 45 days ago, but no help on the difference on the credit score, I am going to talk to a lawyer about this my credit is very important to me as I am self employed ... HELP

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted equifiax in XX/XX/XXXX to Dispute Unauthorized Credit inquires listed on my account that i had noticed after viewing my credit report. I was told to contact the companies that reported the inquires, and did just that and had gotten no where. 

Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX , Experian, and  XXXX . They have never provided me an update regarding me report thus making it difficult for me to review the activity on m y account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why  I felt it necessary to express my concern.

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 05/27/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Balance transfer

Complaint: I was offered a promotional APR of 0 % interest on balance transfers and convience checks that expired on XXXX XXXX, 2015. On XXXX XXXX, I called USAA customer service to process XXXX balance transfers and was told my account was locked and I would have to call back in 24hrs to process the transfers. I called back to USAA 's customer service to process XXXX balance transfers on XXXX XXXX and spoke to a represenitive about the offer and was told that that day XXXX XXXX was the last day to take advantage of the offer. I gave her my first account number to a XXXX and XXXX credit account. The represenitive was unable to get the account to be rcognized by the sysytem and suggested that I write a convience check to myself to cover the balance and pay the account myself. The XXXX account was recognized by the sysytem and was processed that day. I was asked if I had any other accounts and after declining, the call ended. On XXXX XXXX, I noticed a finance charge on my account for balance transfers. I called USAA on the next business day and was told that I was charged due to the balance transfer not posting to my account by the end of the promotion period. I was told the check that was written was under the promotion, but not the account that was processed on the XXXX as a balance transfer. I asked why the person I spoke with did not explain this to me and was told that they were unsure as to why. I then asked why the previous customer service rep. did not just advise me to write a check for the amount of XXXX transfers instead of the XXXX and received the same " Unsure '' response. I feel that I was mislead into believe that the balances I transfered over to USAA would be covered under the promotion offered to me, especially since I was speaking to a customer service agent from the company. I then inquired about just paying off the amount that was not under the promotion and was told, I could not do that without paying off the entire balance of the card. I do not understand why I can not specify what balance is paid after I make the minimum payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Debt collection (Auto debt) with Mid-Atlantic Finance Co., Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Under distress I am filing a complaint against ( Creditors attorney ) XXXX XXXX for continuation of garnishment after completion of filing bankruptcy Chapter XXXX. The timeline of dates and monies will support the attorney has lacked to proceed with proper protocol to discontinue garnishment ; which is considered illegal. XX/XX/XXXX - Initial garnishment ( {$300.00} / 25 % of wages ) XX/XX/XXXX- Paid {$1500.00} legal services to file Chapter XXXX Bankruptcy XX/XX/XXXXXXXX Attorney filed Chapter XXXX petition ( garnishment total {$4300.00} ) XX/XX/XXXX - Attended mandatory court hearing ( informed trustee and attorney garnishment has not decease ( garnishment total {$5200.00} ) XX/XX/XXXX - I was contacted by my attorney office to inform garnishment has been resolved to expect post garnishment check within 10 business days from creditor XX/XX/XXXX - Contacted my employer Human Resource and XXXX XXXX I was informed by both parties no communication has been received to discontinue garnishment Also I contacted my attorney and explained the continuation of garnishment XX/XX/XXXX My attorney office called me to advise a check for {$310.00}. I refused to accept the check considering the amount is totally incorrect XX/XX/XXXX - ( Creditors attorney ) XXXX XXXX XXXX @ XXXX : XXXX XXXX ( spoke w/ XXXX ) Asked the following : What was the dollar amount of check issued for post garnishment? ( {$310.00} ) When was creditor notified of bankruptcy? ( XX/XX/XXXX ) When did creditor notify my employer to stop garnishment? ( In XXXX with no specific date ) After asking why the delay in stopping garnishment and incorrect dollar amount, XXXX became combative and indicated no monies will be given. Regardless of their unethical behavior until they receive all monies garnished. She emphasized no monies prior to filing bankruptcy will be given back. Although my attorney has requested the 90 days and I might the requirements. The called ended abruptly with no explanation of process and how this error will be corrected. XX/XX/XXXX - Called XXXX Garnishment XXXX @ XXXX XXXX XXXX indicated no release details and no modification status

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The company has been calling me everyday at work and home. All of my debts have been cleared ( paid off ) but this company ca n't seem to get it together. My credit report is free of any collection accounts because I have paid off the accounts I owed. This company is harassing me and when I tell them not to call, they say they will call anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Hello, I have a XXXX XXXX XXXX withdrawal issue with coinbase.com. I initiated the withdrawal on XX/XX/XXXX. More than 3 weeks later, the payment is still pending ( see attached screenshot ). I contacted coinbase 's support - Case ID : XXXX - and received the following response on XX/XX/XXXX : " XXXX XX/XX/XXXX XXXX Thank you for contacting us about this. We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' I replied multiple times asking for an update or estimated resolution time and got no answer since then. Please note that my coinbase account is fully verified and that past XXXX payments went through successfully. Thanks a lot for helping

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit card () with Empowerment Ventures, LLC (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been a member of Rushcard since XXXX. On XXXX XXXX, XXXX someone was in XXXX, FL and took {$400.00} and had atm withdrawls of {$400.00}, {$2.00} for ATM fee, as well as XXXX charges of {$.00}. I was in XXXX, FL, which is about a XXXX minute drive. I had my card in my possession and the only reason I knew of the transaction was because I attempted a purchase in XXXX on XXXX XXXX XXXX XXXX, Florida on the XXXX of XXXX and the charge declined.. I then attempted a smaller amount without cash back and it still declined. I paid with a different method of payment and as I walked away from the register I pulled up the app for Rushcard and seen that my money was taken out at a ATM in XXXX, FL. I immediately called Rushcard and they stated that they will close out that account. They told me that they will open a dispute and asked me a series of questions, about did I give my pin to anyone and if I had the card. I told them no I did not give my pin to anyone and I still had card in my wallet. They explained that they will give me a credit of the funds owed, within 2 weeks while they investigate the situation that was on the XXXX. I received a letter on the XXXX dated the XXXX that the dispute was close and they do n't owe me anything. How can I be two places at one time and what type of investigation was done to find the person whole stole my money. This is unacceptable and I feel robbed by the person who did this as well as Rushcard for their poor business practice. That was money to feed me and my kids and have no money to give anyone. I work hard and need help to resolve this issue. I used the card like an hour or so earlier at XXXX for {$3.00} and I was in XXXX a good time before I attempted the transaction and have proof. I put on a law-a-way and have the receipt to prove it

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with DISCOVER BANK (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom It May Concern, Sometime in XX/XX/XXXX there was a credit card issued in my name to my sister. Once I found out that there was a card in my name it was too late to close the account. Sometime in XX/XX/XXXX I had a judgement placed against me. I have written a total of four letters to Discover to resolve this matter. However, I have not received an answer in return. The card should not have been issued at all due to the XX/XX/XXXX CARD Act laws. By opening the account this put Discover in direct violation of the law. The CARD Act clearly states anyone under the age of XXXX must prove they have the means to pay for any debt that they accumulate or have a parental cosigner.My sister had neither, and did n't have my permission to act on my behalf. Discover would not have had any way to verify I had a way to pay for the card, because I was in college, and not working or receiving any substantial amounts of funds. I basically lived on whatever money my mother or other family sent to me. Also, my sister did not have my permission to act on my behalf. I would also like Discover to furnish any documents that have my signature or a signature with my name on it to me as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Student loan (Non-federal student loan) with NELNET, INC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The original company that did my two private student loans transferred all of their loans to First Marks Services. Since the transfer has happened my loans were put under the wrong status, as in one of loans said I was in repayment while the other said I am still in school. I am still in school. It took four phone calls and over a month for them to fix this issue. This month I paid the amount that my bill said was due XXXX. My payments are due every XX/XX/XXXX of every month. This month was no different, the website I make payments on told me my amount due was XXXX due by XX/XX/2017. I paid that exact amount several days early on XX/XX/2017 and I look at the website again today on XX/XX/2017 and they have added more money XXXX that they said is due this month by XX/XX/2017. The customer service is of no help and they have yelled at me and hung up on me. I have called 3 times in the past hour and have been hung up on 3 times. They only called back once. The only thing they say is that I should not have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CARRINGTON MORTGAGE SERVICES, LLC (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My mortgage account was opened in XXXX and maintained since then. However, Carrington Mortgage is incorrectly reporting that my mortgage was included in my 2012 bankruptcy -- it was not. In fact, Carrington Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my XXXX Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I made a regular payment of {$400.00} by check. Wells Fargo Dealer Services misapplied this as a principal payment and charged me a late fee. 

XX/XX/XXXX LATE CHARGE ADDED - {$16.00} {$0.00} XX/XX/XXXX PRINCIPAL RECEIPT {$400.00} {$11000.00} Description Details Effective Date XX/XX/XXXX Principal {$400.00} Posting Date XX/XX/XXXX Next Due Date XX/XX/XXXX XX/XX/XXXX REGULAR PAYMENT - OTHER {$400.00} {$11000.00} I called and was bounced around their call center as they stuck to the claim that I had requested it be applied to principal only. I asked for a copy of this and was refused.

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 11-04-2015 about Debt collection (Credit card) with NELSON AND KENNARD (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This firm is using wrong tactics on me to collect the debt. They are saying in the letter they sent a letter to Postmaster on XXXX XXXX to verify my physical address and they are saying on XXXX XXXX they received a response from the Postmaster indicating I had moved and left no forwarding address. This is absolutely false and should be prosecuted for giving false information that I moved. I have been receiving mail and also received a letter in XX/XX/XXXX dated XXXX XXXX. I have been at the same address for the last 16 years. Did they contact the XXXX XXXX company, the Gas company and Water District to verify my address. It will show with them my accounts through out and still have. If I had moved, I would not have accounts with them for that address. They are saying I declined to verify my address in XX/XX/XXXX and that is also false. Instead I asked them to verify my address and they did. I have phone records how many times I called this office numerous times since XX/XX/XXXX to get rid of this account. They had my phone numbers to contact me. Then they are saying my last payment made on the credit card was XXXX XXXX, 2012. I asked the Bank to verify where those funds came from. They said it came from the Business account when I never had business account in 2012. The last payment made was more than 4 years ago. The bank made errors before also on the statements. In order to file a suit they are showing payments made in 2012. I need proof how that payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation