milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV has added a collection to my credit report that is not mine. I have not had a late payment on any account since XX/XX/2010 so there is no account that would be reporting late. This is a debt for over 3k that is not mine and I need deleted ASAP as I am trying to buy a house and I have zero late payments on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XXXX of 2017 I ordered a free copy of my credit report for XXXX, Experian, and XXXX before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries XXXX 1. XXXX XXXX Bank Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX Experian 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX acct XXXX 2. XXXX/XXXX XXXX Card acct XXXX XXXX. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by Bank Of America (BANK OF AMERICA #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX High Balance: $XXXX 
Credit Limit: $XXXX Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called Bank Of America because i have no knowledge of this account nor the negative report on my credit. I called the Bank Of America credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas Bank Of America credit card department) I need this problem and error fixed and my credit report corrected.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax, XXXX XXXX customers had information such as name, social security number, birthdates, addresses, driver 's licenses, and credit card numbers stolen from theor database. Also according to Equifax, I am risk for having had my information taken. Equifax 's gross negligence in handling this sensitive information is appalling. Furthermore, recent reports have surfaced citing a mass selling of stock by Equifax employees prior to public acknowledgement of hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid on XX/XX/XXXX I received the closing letter XX/XX/XXXX stating that the account was closed. Today XX/XX/XXXX I received a phone call stating our payment was declined but our bank records show it was paid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (MI).
Issue: Fees

Complaint: Rush card was under maintance Monday XXXX XXXX,2015 from XXXX to XXXX, as of today Tuesday XXXX XXXX,2015, I ca n't access my account, my card is being declined, phones to rush are busy and hanging. I have XXXX children at with, expecting another and I need my funds now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX and now Transunion. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call XXXX and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX could. I could dispute it so, I had XXXX dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( XXXX ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my Transunion report, I called Transunion on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX Center it should have been paid from of that money. I have asked XXXX to provide me with a list of what I have paid and so far I have not received anything. Why can one XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.

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 09-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I had an Equifax Platinum Monitoring membership for almost 2 years. Last month I tried to upgrade my monitoring product to another one which provided me a XXXX score. I tried a number of times and always received an error message. Following that situation, I called Equifax Customer Service and have been calling them for over 10 days. I have lasted more than 1 hour on each call with representatives that are n't capable of helping me figure out what is wrong with my profile and I now have no access whatsoever to my own credit profile from Equifax. My credit card was ran more than 9 times because the representatives were trying to experiment with different products and none work. I also tried going thru XXXX and the only report that I ca n't access is the Equifax XXXX. I was told to check if there was a hold, freeze, or a fraud alert and this is n't the case. I 've been t old a number of times that there is nothing that should impede any other company or myself from obtaining my credit report yet Equifax themselves ca n't process my order for a credit product which they provide. I have proof that I have had several credit transactions and voids and yet after 2.5 weeks I still ca n't get access to my report. I do n't understand how a company not have answers as to why I ca n't obtain a product that they service.. Plus I am growing worried as to why I ca n't access my information online.

Company response to consumer: Closed
Consumer complaint received 05/21/2017 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Never received any correspondence from this company. This debt has been discharged through bankruptcy in   XXXX    2010.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received an email alert that a new account was showing up on my Credit Report, XXXX XXXX XXXX as to a new collection Account. 

The Account is AMCOL SYSTEMS FOR A MEDICAL BILL OF {$890.00} AND THE ORIGINAL CREDITOR IS XXXX XXXX, THIS ACCOUNT HAS BEEN PASSED AROUND TO ABOUT 5 DIFFERENT COLLECTION AGENCIES, AND I HAVE TO DISPUTE WITH THE CREDIT BUREAUS EACH AND EVERY TIME, IT NEEDS TO STOP AS XXXX XXXX HAS EVEN SENT A LETTER TO CEASE COLLECTION ACTIVITIES AS POLICE REPORTS ARE ON FILE AS WELL AS NOTARIZED IDENTITY THEFT AFFIDAVIT. 

THIS NEEDS TO STOP IT HAS COST ME THOUSANDS OF DOLLARS TO ADDRESS IT EACH TIME IT POPULATES WITH A DIFFERENT COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA).
Issue: Fraud or scam

Complaint: I sent a Money Gram for {$490.00} to an individual. I received a notice from someone supposedly in the same office that the recipient received the money but had an automobile accident and because of some electronic problem I was asked to send the same amount of money in order to re- ceive a refund. I was n't going to make a second mistake by complying. I attempted to speak with personnel from Money Gram, but between the person 's accent and poor telephone connections, I am unable to understand most of what she is saying except that the person did receive the money. She attempted to tell me what I should do, but most of our con- versant was unintelligible for me. Of course, no service was given for my laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Money transfers (Domestic (US) money transfer) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Other transaction issues

Complaint: I cancelled an account with XXXX in XXXX of 2013. They did not cancel until I returned any boxes or equipment related to the account. Therefore, I did return it to the local office and they confirmed cancellation. Following that, they charged me {$51.00}, which they took via ACH out of my account. I have followed up on numerous occasions to be refunded. They have sent me a statement every single month for 3 years now, that they owe ME XXXX. NOW, out of the blue, they are charging me for internet service. A service that I do not have nor have I ordered or had in three years. I have absolutely no connection with them other than the fact that they owed ME money. They are taking payments directly out of my checking account for random amounts and on various charges for things I have not purchased or received service for AT ALL. They are literally stealing from me. I want this account disconnected immediately and to be refunded ALL money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NV).
Issue: Taking out the loan or lease

Complaint: I have car lease on my name but the car is for my daughter ; she has bad credit and thethe financial company refuse to pass the contract lease to may Daughter ; we my wife and myself wear in the proses to refinance de mortgage and the late payments of my daughter affect our credit it is my problem l

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (Gift card) with Blackhawk Network Holdings Inc. (OH).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: Our friends gave us a gift card which was used by somebody which later we realized charged by  XXXX   XXXX   XXXX . Both happened on the same day of the month.  XXXX  of  XXXX  and  XXXX  of  XXXX . We realized last month and opened a case with company. Then we went to oversees for a vacation and I came back yesterday. I found that the response letter I got from  Blackhawk  company was frustrating. They are asking original receipt and activation code of the gift card. As it can be inferred from the name it is a gift card and I did not buy this so I will never be able to send these information. I sent them the picture of gift card.  <P/> The gift card name is  GIFT CARD , from blackhawk network.  <P/> Since my gift card has been deactivated I can not call their customer service. They have this weird rule. As soon as you dial your card number it says it was deactivated and no way I can reach customer representative.  <P/> They also stated that I had to respond them in 10 business day but I might have already missed it due to my oversees travels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BMW Financial posted a 30 day late on my credit report for XXXX, XXXX and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the BMW system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from BMW.
I sent a letter to BMW with confirmation of my email confirmation as well as the debit from my bank. BMW denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. BMW asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked BMW to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with LENDING CLUB CORP (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I went delinquent on a loan with lending club. I negotiated to pay the debt. Before I paid the debt : a representative from lending club told me that once I paid that debt, it would be considered paid in full and removed completely from all  credit report one p ayment was processed on their end. I have completed the payment, yet it is still report on my credit report as of yesterday [  XXXX / XXXX / XXXX  ] I request all trade lines be removed all credit reporting agencies Lending Club Loan # -  XXXX  Date of Birth -  XXXX / XXXX / XXXX  Social Security Number -  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Credit card () with PAYPAL HOLDINGS INC. (AZ).
Issue: Customer service / Customer relations

Complaint: i signed up for a paypal credit card so I can make a large purchase on XXXX and get 0 % interest for XXXX year, I never made the large XXXX purchase but continued to make small purchases. paypal took it upon themselves to use there credit card to charge all my XXXX purchases, I never wanted to use this card until I made a large purchase, paypal already had all my bank debit card on file and should of used it to make payments not there credit card, I have used this debit card with paypal for XXXX for the past XXXX years. i feel that in the near future paypal will start to charge interest for every purchase from day XXXX at a very large interest rate. I have also emailed paypal several times and never got a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CHECK INTO CASH INC. (TN).
Issue: Getting a line of credit

Complaint: On  XXXX   XXXX  I went to Check into Cash for a flex loan. Everything was approved until they found a debt from  XXXX  that has not been paid. I filed Chapter  XXXX   Bankruptcy and this debt was discharged in  XXXX   XXXX . They then directed me to the collections department in an attempt to colle ct discharged debt. The next day they confirmed my Chapter XXXX  But still refused to grant me the loan based on the fact of the discharged debt. They denied me credit once already approved based on the old debt and attempted to.collect.the debt even though it was discharged in my bankr uptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: i transfer XXXX to XXXX and still my money its not here they have very bad costumer service!! my account was disable for trading so i can not see my money or do anything i have several weeks trying to communicate with them but i keep receiving generics answers from bots!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I purchased a custom {$970.00} costume from XXXX. The merchant sent a damaged and unusable item. The merchant said she would start a claim with XXXX and send me a prepaid return label to return the damaged item to he and she would give me a refund. I waited day after day and she never sent. I have proof of the text messages of me asking her every day for the label and her ignoring me. I sent records of my phone bill of me trying to contact her and her ignoring me. I filed a claim with the Bank of America and they initially gave me my money back. Then the merchant lied and said she told me I had 3 days to return the item to her on my own. You can see in all her messages that I have from her that that never happened and she told ME to wait on HER sending the prepaid return label. I have pictures of the damaged items that she saw and her response to seeing them. I have all the proof that I need that she sent me damaged goods, claimed she started a fedex claim, ignored me and never sent a prepaid return label and essentially stole my money and left me with damaged goods. She did n't answer any calls or texts and left me to file a dispute against her with credit card company. Where this becomes Bank of America 's fault is they sent me a letter asking for this proof, I have faxed the proof to them twice and have the fax confirmations that both times the faxes went through. They never reviewed any of my proof and sided with the fraudulent merchant. I spoke with XXXX in XXXX and sent the proof to him on XXXX/XXXX/16 when claim was active, I called again when I received a letter saying my claim was denied and spoke to XXXX in XXXX and she said to go to a Bank of America branch and re fax the proof with the confirmation proving that it went through the first time and I did that as well. XXXX at B of A on XXXX XXXX in XXXXXXXX sent it again and AGAIN I got confirmation it went through. XXXX said to call back in 48 hours to make sure it was received and I did that. I spoke to a very rude guy named XXXX in XXXX and he said they did n't have any faxes, yet again. I said I have proof that they received it twice and he did n't care. I asked to speak to a manager and was put on hold another 10 minutes before an even ruder and less helpful guy named XXXX in Maryland came on. He said I was " out of luck '' because they did n't receive anything. But really I am out of luck that B of A is incompetent when I have proof they received my faxes twice and did n't bother to review them. How is my bank, my cc company, siding with a woman committing fraud and they wo n't even look at the proof that THEY asked me for. I am disgusted by their incompetence and lack of effort. I will be canceling all cards and filing a civil suit against the merchant.

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 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX ( collection agency ) reported a debt from XXXX XXXX XXXX. ExperianXXXX deleted it. Now XXXX XXXX ( a different collection agency ) is reporting the same debt from XXXX XXXX XXXX and they refuse to delete it again. Also the debt is being reported TWICE on my credit report for the same amount and interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief