milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Debt collection (Private student loan debt) with Patenaude & Felix APC (WA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in XXXX and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Provided necessary documents for loan Deferment and updated credit reporting on over XXXX different occasions and the company has yet to do so. XXXX XXXX is a XXXX XXXX XXXX XXXX who needs to maintain positive credit keep to maintain his security clearance and the company is interfering with such endeavors. XXXX initially provided these documents in XXXX upon entry to the service but your company never updated their records, causing the loan not to show deferred but unpaid and also to default when XXXX was under the impression it was deferred for his time of service. XX/XX/XXXX at XXXX XXXX I Placed the1st Call to Nelnet XXXX XXXX, transferred to XXXX XXXX He instructed me to email current Orders for XXXX XXXX to XXXX & XXXX and they would be able to update the credit reporting from delinquent to deferred at least for the remainder of his XXXX. Sent documents and a recap of our discussion on XX/XX/XXXX at XXXX XXXX. No response sent second email XX/XX/XXXX at XXXXXXXX XXXX. XX/XX/XXXX @ XXXX Placed second call and spoke with XXXX who informed me she needed backdated orders to update the system and they had received no emails pertaining to the situation. I informed her I would submit the documents for a third time and pursue complaints and possibly litigation if XXXX neglected this issue any longer. Provided third request XX/XX/XXXX at XXXX XXXX. After no response, requested again XX/XX/XXXX at XXXXXXXX XXXX. Received response of that request would be reviewed within 15 days and no other info regarding request on XX/XX/XXXX at XXXXXXXX XXXX. Sent final request after company did not follow up after requested 15 days on XX/XX/XXXX at XXXX XXXX. Also sent seventh and final request by email to the ceo and all department email addresses I have been in contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, the credit bureau Equifax announced a massive data breach of their systems, which exposed millions of consumers ' personally identifying information, including social security numbers, DOB,  addresses, etc -- basically every single piece of information an identity thief needs to steal someone 's identity. 

Equifax became aware of this data breach on XXXX XXXX, XXXX but did not announce it until XXXX XXXX, weeks later. 

In the meantime, SEC filings show that three Equifax executives Chief Financial Officer XXXX XXXX XXXX, workforce solutions president XXXX XXXX and U.S. information solutions president XXXX XXXX sold nearly {$2.00} XXXX in shares in the company days after the cyberattack was discovered. 

Equifax has been criminally negligent in protecting the sensitive information of consumers. I am one of the victims of the data breach and now have to spend the next years of my life constantly looking over my shoulder and wondering who has my information. This causes enormous emotional distress, especially because I have already had my identity stolen once. It causes stress, it costs countless hours of effort to fix a problem that is not of my doing. WHY is the onus of correcting mistakes by the credit bureaus on the VICTIM? 

Additionally, the sale of stock by Equifax executives is securities FRAUD. It is criminal. 

Credit bureaus have a disproportionate amount of power over the lives of consumers. Their mistakes can cost us jobs, homes, and the ability to carry out normal activities that require the use of credit. 

It is completely unconscionable that they will face no repercussions for their disgusting, criminal actions. 

Equifax 's only offered solution to the consumer is to sign up for *their* credit monitoring service. That is completely unacceptable. They have proven themselves to be utterly untrustworthy and now they want us to be their *customers*?

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with National Principal Group, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I do n't know who this person is. He calls shouting my name as loud as possible. Demands to know where I am. Wants to know when I will be home. Calls family members over and over again as many as XXXX times in a day. Called my daughter in XXXX XXXX, Called my Son in law, called another daughter in Arizona and stated he has a case number. Calls me all day long but will not identify himself. Left this number with daughter in AZ.XXXX case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Been dealing with Bof A and NationStar for FOUR YEARS Trying to get a modification in place on XXXX homes we own. ( XXXX a rental and # XXXX our personal home. ) Have done EVERYTHING they 've asked and have the paperwork and fax/mail receipts to prove it. Constantly getting more and more requests for docs they " did n't receive ''. We were allegedly in modification talks and were attempting to secure XXXX, and they went ahead and foreclosed anyway. They also got a judgment against us that we were n't EVEN SERVED! I have about XXXX pounds of documents, emails and receipts for evidence oXXXXf my allegations, so believe me if you want some good evidence of the illegal half assed business practices, I 'm your gal!

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We are in a hardship and received a letter regarding bringing our account current by XXXX XXXX, 2015 to avoid foreclosure proceedings. When I called on XXXX XXXX, 2015 XXXX to make the payment to bring the account completely current per Citi 's letter, I first spoke with XXXX. He transferred me to XXXX and at approximately XXXX, I was told " it did n't matter '' and that " I was in " their '' department now. '' I could make payments, but it would n't mean anything. XXXX was extremely rude and condescending. I asked to talk to a manager and she said " MANAGERS DO N'T TAKE CALLS ''. She kept condescendingly saying we had n't made any payments. We have. I told her this and she said " well it was n't enough and you 're in our department now. '' When I asked why they were not honoring what they had sent IN WRITING to resolve the delinquency she said " their department '' did n't write it, she did n't know who did, THAT LETTER MEANS NOTHING and just kept repeating herself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Debt collection (Non-federal student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the last 6 years I have been paying this loan on time and have never had a payment go past 30 days, however, if I have a payment that is 5 days or more late, they begin to call my personal phone, both of my parents phones, and have even reached out to my brother. The calls are repetitive, invasive, and cause a lot of stress, even after I 've expresses this to the company. As of right now, I am am moving and finishing up a 2 year custody battle here in the city of XXXX, and I have a payment I just scheduled but was 23 days late as of today. In those 23 days, I 've had over XXXX documented phone calls / voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MD).
Issue: Problems when you are unable to pay

Complaint: My car was repossessed after I was unable to make payments on it. I lost my job and was no longer able to make the car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debtor contacted my sister in another state, Georgia, about my debt. My sister is not a party to any debt that I owed. She has been contacted several times in XXXX via phone. I consider that a violation. In addition, I am contacted incessantly. I am trying to find out if the hospital has requested this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with Independent Recovery Resources, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone call from independent recovery resources they also call themselves IRR. # 's they call from non stop XXXX, XXXX, XXXX, XXXX, XXXX. Non stop throughout the eveni g. When I asked for a verification of this debt they have nothing. When I called and told them to stop the robocalls they told me they handed this off to an attorney and I was going to be sued

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 Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was told by XXXX that XXXX of my loans had defaulted and were sent to TransWorld Systems Incorporated. I have been calling TransWorld Systems Incorporated and leaving messages for a return call to find these loans, check the balance, and establish a payment plan. I have yet to hear back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried on multiple occasions to get XXXX to remedy inquiries that have been placed on my credit report which lack permissible purpose. Their answer is always " Inquiries are factually based. '' Any complaints in writing are met with a condescending explanation of what inquiries are, and how long they stay on a credit report. Their assertion that inquiries are n't disputable is a violation of the FCRA, as is their equally incorrect assertion that the consumer does n't need to " put anything in writing '' for the inquiry to have permissible purpose. ( Section 604 of the FCRA would contradict that claim. ) Then, when I write to each creditor that I am disputing inquiries with, and they agree that the inquiry should n't have been placed on my credit report, they call XXXX and are told that they ca n't make changes to my credit report. This is after XXXX reps told me that I would have to dispute the inquiry directly with the creditors. And finally, when the creditors do n't respond to my written disputes, or the letters are sent back marked " return to sender, '' XXXX reps tell me that my only remaining option is to visit the creditor personally, because I 'm seriously going to drive from North Carolina to Texas or XXXX, all because XXXX wo n't give me the correct information and proper tools to do their job for them. Experian is equally obstinate concerning not allowing the dispute of inquiries, which I still maintain violates the FCRA, but at least their representatives are friendlier while refusing to listen.

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 11/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: I purchase ETH on XX/XX/XXXX for the amount of {$4600.00} and then they suddenly suspended my account on XX/XX/XXXX and refunded my money. I asked them several times to reopen my account but they do not respond back to my emails. 

They do not provide phone number to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (SC).
Issue: Other transaction problem

Complaint: at COINBASE My account has been frozen for some " identity '' issue. They have re-verified my identity but my account and my assets are frozen. APARENLTY THEY USE THIS IDENTITY ISSUE AS AN EXCUSE TO LOCKOUT CLIENTS. I 'VE DISCOVERED ITS HAPPENED TO THOUSANDS OF PEOPLE WHO HAVE THEIR MONEY LOCKED UP IN COINBASE

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good Afternoon, I am reaching out to the CFPB due to not being able to get inaccurate information off my credit reports. I have reached out to 2 of the 3 Credit bureaus Equifax and XXXX to resolve this matter. Not only is this information incorrect on my reports but it is causing me a hard time trying to obtain credit. I am in the process of becoming a Homeowner in XX/XX/XXXX and this negative impact is causing delays. I understand that the credit bureaus may be busy during the XXXX, but as a consumer under law they must report correct accurate information. Listed below are the credit inquires from both credit bureaus Equifax and XXXX that I did not authorize. 

This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). 
I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX DOLLARS ), payable to the name listed above. 
Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA . 
Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 


Equifax XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TALKED WITH XXXX CREDITORS THEY TOLD ME THAT THE WHERE NOT THE XXXX KEEPING THIS DISPUTE ON MY CREDIT REPORT /BANKRUPTCY XX/XX/XXXXPAID IN FULL THIS DISPUTE WAS ADDED IN XX/XX/XXXX? PLEASE REMOVE IT. 
THIS IS KEEPING MY GOOD CREDIT SCORE DOWN AND I AM TRYING TO REFINANCE MY HOME. 
THIS WAS CLEARED ON MY BANKRUPTCY/ SPRING LEAF AFFIRMED AND XXXX AFFIRMED THEY ARE NOT HOLDING THIS UP

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX I went to a Bank of America branch in XXXX, Oregon to order new checks from the bank manager XXXX XXXX. On XXXX XXXX I ran out checks and I still did not receive my new checks. I called the customer service to inquire, they said no checks were ordered on XXXX XXXX. I was disappointed and went to ask the manager why he did not order the checks and told him he lied to me. He insisted that he ordered them, we had an argument and suddenly he said " Do you want to hit me? We can settle this outside if you want! '' I was surprised a bank manager would threaten a customer. I ask him to give me the name and tel # of his superior, he angrily tossed a business card of XXXX XXXX, Senior Vice President, Operations Market Manager. I called this person and complained to him what kind of maltreatment I received from XXXX XXXX. He said he would call him and get back to me, he never called me back. I called another operations manager, XXXX XXXX XXXX and also complained to her, she also did not call me back. I believe they are covering up for their fellow co-worker. I have been a Bank of America customer since 1968 and I never experienced such humiliation and verbal abuse from a bank manager. This person definitely needs an anger management counseling. Contact info re : these bank officials : 1. XXXX XXXX, Financial Center XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX ; tel ( XXXX ) XXXX ext XXXX ; fax- ( XXXX ) XXXX ; email : XXXXXXXXXXXX 2. XXXX XXXX, Senior Vice President, Operations Market Manager,XXXX XXXX XXXX, XXXX XXXX , XXXX ; tel ( XXXX ) XXXX ; fax ( XXXX ) XXXX ; Cell ( XXXX ) XXXX : 3. XXXX XXXX XXXX, Senior Vice President, Operations Market Manager, XXXX XXXX XXXX, XXXX XXXX, XXXX ; tel ( XXXX ) XXXX ; email : XXXXXXXXXXXX

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 04-01-2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (VA).
Issue: Making/receiving payments, sending money

Complaint: On the advice of the FBI, I 'm sending this complaint on to you. How do I report a teller for applying for a credit card in my name without my authority? On XXXX XXXX, 2015, I made a deposit with a teller at a drive through window. She informed me that Suntrust no longer used the type of debit card I had and that she could obtain me a new debit card. She asked me for a lot of personal information which I questioned and she insisted she needed the information, and she said she could not hear me from the car and insisted that I write down information for her. On XXXX XXXX, I received a letter from Suntrust regarding an application for a credit card and I did not recall the deposit or debit at the time. I called Suntrust and informed them that I had not applied for a credit card, and they said they were putting an alert on my account and would get back to me. It had been a couple of weeks, and I realized I had not gotten the new debit card, so I became suspicious and checked out the receipt from my deposit, and the deposit was the same date as Suntrust claimed I had applied for a credit card. Tonight I called Suntrust and the manager, XXXX, confirmed that the teller had applied for a credit card on my behalf on XXXX XXXX, 2015. Why? All I did was make a deposit - never asked for a credit card, and the teller gave me a long spiel about my debit card no longer being used by Suntrust. I already have XXXX Suntrust credit cards. I do not know what amount the teller applied for or what gave her the notion that she could fill out an application without my knowledge. I am highly concerned that the teller committed blantant fraud as she explained that she needed me to write down information so she could obtain the card for me. Let me assure you, I am clear that she lied by telling me she needed information to obtain the new debit card because Suntrust no longer used the type of debit card I had. She went out of her way to lie to me and then to fraudulently apply a credit card. I believe she has probably scammed other customers, and I wish to have her brought to justice. I reported the information to the manager on duty, and I beg you to investigate please. I do not have my deposit transaction on me today to upload, but the Branch information should be on the receipt. Best regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX Credco has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Synchrony Bank put a fraudulent credit inquire on my credit bureau. This is not mine. I did not inquire about credit with them

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