milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Healthcare Collections reports inaccurate and non-sustainable information 2 times under the same name each with different balances, after formally requesting by certified mail pursuant to the FTC Act 15 U.S.C. 45 ( a ), on XXXX XXXX, 2016, the company has failed to meet the requirements to provide any legal instrument bearing my signature which supports the continued reporting of this alleged debt. The company has reported inaccurate and non-substantiated amounts. after repeated disputes through all XXXX credit reporting agency for over 3 years or more with no solution to remove

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 05-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The exact option for filing this dispute is not listed in the drop down menu above. This company is inaccurately reporting as the original creditor/lender on the XXXX credit reporting agencies. This is inaccurate information, they are a debt collector not a creditor. I have made attempts to have this information validated and updated/removed and have received no formal response to any letters I have mailed in.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called trans union about removing unauthorized hard inquires on my credit report, and they refused to help me, 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 11/14/2015 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed a account with Kansas Counselors of K collection first on a recorded line and I also requested for validation of the debt to be sent over to me. A few months went on still nothing. Then when I spoke with Kansas Counselors debt collector XXXX she gave me so much inaccurate information regarding the file they alleged I owe for a hospital in the amount of {$510.00} they stated that they never did send out the validation, they sent it out a validation but it was for a different account. The debt collector XXXX kept stating to me she never seen anything about a dispute and that still have a balance and they ca n't remove it when though I told her I was working the day the collection agency is stating that I was seen at the hospital. She never tried to help me find other options as to going about and getting this resolved. I feel that they agency is doing is not collecting under the Fair Debt Collections Practices Act and it is unfair for consumers like myself. Please help me in regards to this matter. 
Thank you for your concern of this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are trying to collect on a phone bill I do not owe! They tried to charge me for canceling phone service! My contract was up but they charged me a cancellation fee! It says that there is no cancellation fees if you stay for the whole two year contract! I never renewed my contract after it was up therfore I do n't owe them a cancellation fee since my contract was up. Plus they tried to make me pay for a month 's phone bill even though I cancelled the month before! And this has been more than 12 years since this happened. Staute is up on this and they need to stop harrasing me!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an Open account with XXXX Collection they account was paid in FULL before I purchased my house in XXXX, I then File Bankruptcy and was discharged of my debt in XXXX XXXX. Equifax continues to report it has an Open Collection which it is not I have contacted them XXXX time to get this close with proof of payment bankrupt discharge etc. They still refuse to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am submitting a complaint about my student loan .I have received letters informing me that NELNET is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. Nelnet send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (NE).
Issue: Making/receiving payments, sending money

Complaint: Set up account to receive payments from our customer through American Express Buyer Initiated Payments program. They set up the account incorrectly such that payments we were to have received were directed to XXXX XXXX ( we have no relationship with XXXX. ) XXXX rejected the first payment we were to receive via ACH so Amex sent us a check. They stopped payment on that check causing us to incur overdraft fees. When we called to correct the electronic banking information, the salesperson set up another, unauthorized account that had our correct banking information rather than correcting the original account. They also sent us a letter saying that Amex would no longer send checks for rejected ACH payments. However, our next payment of approximately {$1.00} XXXX was sent to XXXX XXXX as well. It rejected so on XX/XX/XXXX they issued a paper check. We still have not received the check. We are incurring interest charges every day ( {$230.00} a day ) that we do not have that check in addition to delaying vendor payments and potential payroll impacts. Upon calling to customer service, the representative and supervisor refused to send us a wire saying that American Express does not send wires ( an obvious lie. ) They also refused to refund any of the {$22000.00} fee they received for the service of " experience faster payments & eliminate check processing costs '' per their literature.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Credit card) with U.S. BANCORP (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received multiple calls from a company calling about my credit card there name is XXXX XXXX, I have gotten no bill or notice in writing from them and I told them not to call my cell phone, they keep calling me an will not stop, now they are leaving me voicemails which I have saved saying they are calling about my desert schools federal credit union account, my voice mail does not say my name on is it in my voice it is a pre recorded message with my cell number, they are leaving personal info on my voicemail not knowing its me this is third party disclosure and also calling cell phone after I have asked them reapeadly not to.

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 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I decided to get a car XXXX and they had suggestedfinance options. I entered my information online after checking and confir-ming with them that they will let me know before sending my informationto the financial institution. they sent my information to XXXX financial instit-utions without my consent. I have unnecessarily been hit with XXXX hardinquiries. I ended up taking an auto loan from a company I previouslyfinanced my old car from. I am attaching the matter on my creditapplication, where it clearly mentions that I will be informed about the financial institution, XXXX will be sending my application too. 
When submitting my credit application, I was told there would be onlyone inquiry and in the terms and conditions it was said I would beinformed of the financial institutions they would be sending my informationfor my credit to be run. Attached is the document which states the termsfor which I have given my consent. You can find it on the XXXX website when you apply for a car loan. I would like to have thesesXXXX hard inquiries removed from my credit report at the earliest. 
The XXXX financial institutions are :1. XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX, OHThank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased XXXX XXXX XXXX card ( issed by incomm, XXXX ) for XXXX with {$500.00} each. They just freeze my money for no reason ( the rep told me that it is a random check ), and ask me to provide additional information to unfreeze my money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Hi there, XX/XX/XXXX I got an automated e-mail from Coinbase asking to follow a link to give additional information about myself. The massage was advising me if I do not comply with their request till XX/XX/XXXX my account would be frozen. 
Never the less they froze my account the same day XX/XX/XXXX? 
The provided link worked only within several days, but I could provide the information before the limit date. 
Since than XX/XX/XXXX, may account is frozen. I haven't access to it at all. I even can not see if my funds are still there. I got an answer from the customer only XX/XX/XXXX that they forward my issue to a superviser who will check my account. 15 days have past, nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: Submitted account closure request XXXX, confirmation received, still waiting. 
Account XXXX. 
Tried calling them twice, just put in wait queue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called twice this week, from National Enterprise Systems, a debt collection company, and a computer generated voice directed me to to call back at the phone number XXXX XXXX. 

Same company called next day, but a different phone number and extension was given XXXX XXXX. 

I do not have any outstanding debt. I have not responded to the phone calls. This is a computer generated voicemail, and I consider these calls harassing in nature.

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 05/19/2015 about Debt collection (I do not know) with Performant Financial Corporation (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Caller called my place of work and stated they were calling from " Performance '' company and that my daughter gave my name for a reference yet they refused to explain anything except tell me they needed to talk to her. The woman also mentioned another family member and my daughter told me she never used either of us as a reference. The are giving false information ( company name ) and lying about her giving me and another family members information. I am not callow ed to receive personal calls at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I applied for Best Buy Credit Card.. I never received it, I never got a Statement, I asked many times when I would be getting it. I was told up to a month or more. I decided something was wrong I called very early after application. Best Buy had all my information wrong. I had not made any purchases. I told them forget it close the account. The representative said that would be fine and account was closed. I started getting calls and looked number up I saw it was best Buy so I called again and said I cancelled and again was told rest assured the account was closed and no further action was needed.   They call 3 times daily I am not going to play account repair with someone in  XXXX . Best Buy is in the USA. his has gone on long enough

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 05-06-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid half of the total amount owed as agreed between myself and the original creditor. They agreed this about would 100 % settle the debt. They took my payment then several months later placed the derogatory information on my credit and added approximately {$1000.00} in fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has reported XXXX account as opened XXXX That the date of first delinquency is XXXX That as of XXXX a balance of {$340.00} is charged off. 
This reporting is incorrect, inaccurate and not correct under the Fair Credit Reporting Act. 

Dispute is as follows : 1 ) XXXX has refused to validate the debt with a signed contract or application. 
They are concerned that if the account is not mine. They would have disclosed private credit files without permission of proper XXXX XXXX. 
There are at least XXXX XXXX or XXXX or XXXX or XXXX XXXX living on the XXXX XXXX of United States. 

2 ) Equifax reports the account opened XXXX but if you look at the statement from XXXX ( copy attached to this complaint ) The opening date is XXXX 3 ) Equifax reports the XXXX delinquency as XXXX but if you look at the statement from Southern Maryland Electric Coop ( copy attached to this complaint ) The date of first delinquency is XXXX. 
Furthermore, the account was late from XXXX to XXXX each and every month incurring a late charge. But Equifax has failed to report any of the late payments accurately. 

By deleting the early late payments, Equifax and XXXX could continue to report at the credit bureau past the 7 year statute of limitations from first delinquency date. As commanded in the Fair Credit Reporting Act. Called inaccurate reporting and Re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a card with XXXX XXXXXXXX XXXX XXXX  XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report

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 09/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Delinquent account

Complaint: FIA is incorrectly reporting a late payment of {$12.00} that is affecting my credit. This is an FCRA violation. The company erroneously removed my autopayment option from their system. When I contacted them to advise of this, they had no explanation for how my autopay option could have been removed, other than the company went through a system upgrade in XX/XX/XXXX which could have removed this. The representatives I spoke with stated they could submit a courtesy adjustment to remove from burueaus, but it would need to be approved first, and then it could take 30-90 days. This is an unacceptable timeline when it is no fault of my own that their system removed my autopay option. I have been a loyal FIA Platinum Plus Member for 13+ years, and never have missed a payment nor received or received such poor customer service. I attempted to escalate before submitting this complaint, but could not get anyone to help expedite my request for removal from the bureaus. I spoke with the representatives listed below over the course of one week. I would encourage the compliance team to listen to these calls. On several occassions, I was advised that I would receive a call back and never did. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have the credit bureaus to remove the citizens bank students loan off of my credit report and they refused I stated to them that I do not owe any money 's to citizens bank for a student loan which.have been verified by XXXX that I do not owe them any Money and they still have it on my credit report as well as money they alleging say I received from the bank on account I do not have

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: XXXX  foreclosed on my home in  2011 . I was part of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX ,  XXXX , and Equifax -- disputing that  XXXX  could not validate my account.   XXXX   removed the foreclosure from my credit report.  XXXX  and Equifax have not.   Thank You

Company response to consumer: Closed with explanation