milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Debt collection (Payday loan debt) with CCI Financial, Inc (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX from XXXX XXXX keeps calling me at work after I told her numerous times to stop, including an email. She tells my employer that I need to pay my payday loan off. This is embarrassing and causing problems at work.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company is listed on my credit report as closed with a balnce of $ XXXXwith XXXX XXXX XXXX XXXX and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I became aware of the Equifax cybersecurity incident/data breach on X/X/2017 and went to the website https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my data was part of the breach. I clicked the button " Check Potential Impact '' and was prompted to enter my last 6 digits of my SSN and my last name. Unlike the information provided on the page with the button suggesting that I would receive a message telling me if my data was subject to the breach and giving me the option to enroll in TrustedID Premier, Equifax 's system automatically enrolled me in TrustedID Premier without any confirmation on my part. I was not offered information on if my personal information was a part of the data breach unlike what is explained on Equifax 's website nor given the option to choose to enroll or decline to enroll in TrustedID Premier. On XX/XX/XXXX at approx. XXXX PDT, I called Equifax at XXXX and spoke with XXXX . XXXX told me that my information was part of the breach despite not collecting any personal information on the phone call but could not confirm what data was breached, instead referring me to the same website that would not confirm if my data was breached. He also claimed that TrustedID Premier would email me 72 hours after my ( unauthorized ) enrollment, despite never providing an email address. XXXX also referred me to the FTC and gave me the option to cancel TrustedID Premier, which I was unsure about because I never chose to enroll in it and I am unsure if I cancel it if it would prevent me from enrolling again once I weigh details about the program. At this point, per Equifax, it appears that my data was affected, I have not been told what data was affected, and I was enrolled in TrustedID Premier without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This complaint and concern is against TransUnion. I have had the worst experience ever dealing with this company. I have disputed several items including credit inquiries with this company. I do n't have any accouts with any of the creditors so how is that possible and I did not give consent to run my credit. I have placed a fraud alert on my file and TransUnion are still allowing creditors to pull my file without my permission. None of the inquiries are associated with an account or any firm offer for credit, insurance, court order, or employment. The dispute results are always " inquiries are factual and to contact the creditor '' I have reached out to the majority of the creditors listed and explained my situation and all have advised me that they will send TransUnion, XXXX, and XXXX the information needed to remove from my file. I have received inquirie removal letters from most of them already and I have proof of documentation stating that they will remove the inquirie. How is TransUnion able to send me documents stating that they will not remove because inquires are factual when I have actual letters from the creditors and within the body of these letters it clearly states that they will send the Credit Agencies the proper documents to remove from my file. TrabsUnion is not investigating any of the information. Please have this information removed from my Credit Report.Again, I have no knowledge of these inquiries these are inquiries I have no account. I did not give anyone permission to run my Credit. Being that I have proper documents to support my complaint I wish to have this honored by removal of inquiries from my file.

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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) without any notice or warning reported to the credit bureau that I owe a balance of {$150.00}. First Credit Services ( XXXX ) is the collection company they reported the debt to, which when I called could not pull up my file or give me any information. 

When I went to XXXX I showed them documentation that I paid a continuous membership fee ( using my credit card statements ) until XXXX XXXX at which time the contract was already a year old and could cancel with no fees ( I have their policy ). The debt was reported in XXXX XXXX which makes no sense in the middle of a service contract. 

I was told by XXXX XXXX it is a problem with their billing and they can not do anything to help me. This is unacceptable and they could not explain why I was even charged. I need help in order to resolve this. I need to get this debt taken off my credit report and I need it to disappear due to the fact I do not owe it and have the documentation to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My family and I were victims of identity theft in XX/XX/XXXX. Someone filed a fake tax return utilizing my wife 's and my social security numbers. I then added my son to my Equifax credit monitoring account and my wife opened a separate credit monitoring account with my daughter with another credit monitoring service. In XXXX XXXX, I received XXXX credit monitoring alerts for my XXXX-year old son. When I went into my Equifax account to find out what the Alerts meant. Equifax denied me access. They requested additional information from me proving that I am who I am and that I am the father of my son, this despite my having had an account with Equifax for over ten years. After more than 30 telephone calls and 15 to 20 emails, they continue to prevent me from finding out what is behind the alerts and if someone is illegally using my son 's identity. They seem to be completely incompetent. At one time, they told me that my son was XXXX years old so I could not have access to his credit alerts. My son was born in XX/XX/XXXX, He is XXXX years old. Then they told me on numerous occasions that they did not receive the documentation they requested. I then sent them copies of the XXXX Postal Service tracking receipt. They then investigated the matter for three weeks and then said that the problem is that my son is " almost '' XXXX and so they can not provide me with his alert information. I then tried to add him as an adult to my account and was again denied because he is not XXXX years old. I then contacted Equifax again, and they told me that I have to open his account after he becomes XXXX in XX/XX/XXXX. I then asked Equifax again to provide me access to his credit monitoring alerts. Again, they denied me access to this vital information. I am trying to protect my son 's identity but Equifax is denying me the ability to protect my son 's identity. There must be something illegal with this. How could they prevent a parent from protecting their own child?!?! PLEASE HELP ME PROTECT MY SON, PLEASE. All I want to do is to protect my son 's identity. I have no way of knowing if someone is doing something illegal with my son 's identity. Please help me get my son 's credit monitoring alerts from Equifax, please. There must be something illegal with what Equifax is doing by preventing me from protecting my son. Please help me protect my son, please.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have 3 hard inquires from this company that i never applied for and the credit bureaus are giving me a hard time about removing 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
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The TRAF Group (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A-1 COLLECTIONS SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you A-1 COLLECTIONS SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : A-1 COLLECTIONS SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax changed my address on my credit report and I am not sure why. I filed four disputes to fix it and they continue to get it wrong! I spoke with a supervisor today, XXXX XXXX, 2017 and she asked me if I submitted documentation. I told her that I submitted a copy of my drivers license twice, yet they continue to get my address wrong. I also explained to her that DMV has my zip code incorrect on my license. She proceeded to tell me that she had to go by what was on my license. I told her that I want my address to reflect what it has been for the last 8 years since I purchased my home because my address has not changed. I asked her to go by the address that has been on my credit report for years. I am very frustrated because I would not have to go thru all of this if they did not change my address in the first place. I am just trying to get it back to what it is was and is supposed to be. Well the supervisor told me that she had to use my zip code on my license so I asked to speak to her supervisor or someone higher than her. She transferred me to another supervisor instead. Her name is XXXX, ID number XXXX. I asked XXXX if she was the previous supervisors supervisor, or if she was just another supervisor like the previous rep. She told me she was a supervisor just like the previous one. After going back and forth with XXXX, she proceeded to tell me that they have a XXXX XXXX address for me as my current address. I told her I have not lived there in 20 years and that she was incorrect. I told her that was probably showing because the previous rep deleted my current address when she was in the process of changing it until I asked to speak to her supervisor. She tried to tell me that one of my creditors updated my address to that and I told her she was wrong. None of my creditors ever even had that address because it was from so long ago. My creditors are recent creditors. She tried to argue back and forth with me regarding this. I explained to her that even my dispute letters have my current address on them but with some wrong information so they did not have XXXX XXXX as a current address, otherwise that would be on my dispute letters. She proceeded to update my address to my current address but with the incorrect zip code. I have copies of all of the disputes. It is disgusting that a company operates like this when they are charge of something so important as consumer credit reports. What else do they have wrong? Everyone that I spoke with had a strong accent and were difficult to understand at times. It seems like this company is operating out of a foreign country.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to post this information. They refer me to the courthouse who they are saying verified and provided the info. I personally went to the courthouse with Equifax 's response to see what was going on and the clerk stated " Equifax is lying to me, their dept does not provide or verify any information to the any bureau or third-party reporting agency ''. They have this problem with Equifax all the time saying the same thing to various people and it is not true. She also told me they had a lawsuit against them for this very thing to XXXX it. I decided to look up lawsuits against Equifax after leaving and they did have a class action civil lawsuit, XXXX XXXX et al, for not properly providing the source of their info on public records and stated it was a violation of FCRA. Then I researched FRCA and found that according to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse did n't provide this info to Equifax to report in the first place nor verify what they are reporting is correct or valid how is this even on my credit report to start with? I want it removed immediately. They are the only one reporting this inaccurate, detrimental information to my credit report and it 's affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: My card, PIN, and ID was compromised. I 've told Amex this several times and they 're telling me they the charges are valid and I can not contest to it further. They also shut down my account that 's been opened with them for a while. These are the only fraudulent transactions I 've ever encountered on this card and they 're refusing to reimburse me, they also refused to give me documentation as to why my claim was denied. They wo n't even tell me why the transactions are valid over the phone. They did n't even file the dispute correctly, they owe me more than {$740.00}. That 's the total they 're claiming that I filed for. I can not get thru to them or do anything about this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a payment with due date XX/XX/2017. 
I paid the amount on XX/XX/2017. 
I received two letters : 1 ) A payment was not made on XX/XX/2017, and that I was past due 2 ) A second payment is due on XX/XX/2017, despite my repayment plan be QUARTERLY. 
I tried paying the XX/XX/2017 payment on XX/XX/2017, and their website was down ( as usual ). 
I would ATTEMPT paying earlier if they posted the payments earlier. I was n't able to reach Heartland ECSI on XX/XX/2017, and on XX/XX/2017 it was Saturday and they were closed. 

I previously filed a complaint against Heartland ECSI for their " convenience fee '' of 5 % when making online payments. That is, when the online payment system actually works. It is down 75 % of the time. I 'm curious this is some kind of retaliatory tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (UT).
Issue: Money was not available when promised

Complaint: A wire was sent to Coinbase, Inc on XX/XX/XXXX. Contacted XXXX XXXX ( Coinbase 's Bank ) they received wire on XX/XX/XXXX in the amount of {$15000.00}. I have yet to receive my funds on my coin base account today being XX/XX/XXXX. I have sent over 25 emails and have n't received any response but automated responses. Emails sent to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, 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 11-05-2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My private student loans are serviced by AES. Over the years I have had significant difficulties with the loan servicer not providing accurate information in regards to my loans. More recently, I attempted to have my parents released as co-signer of my loans only to find out that after a few years earlier being told that I could have them released after a certain period of time, I learn that I was denied co-signer release because the terms of my loans do n't have a co-signer release due to the years they were dispersed. When I question who the owner of my loans are I have n't received an answer. I originally borrowed from XXXX XXXX XXXX and on my credit report as well as my parents credit reports it says NCT. I have been requesting from AES proof of who owns my loans as well as contact information for NCT for nearly 2 months now and I am told that they do n't have information to contact NCT. It took them nearly a month to provide me with my original promissory notes ( finally received them yesterday ) and even after very very careful examination of the fine print of those promissory notes not anywhere in any of the documentation does it state anything in regards to a co-signer release or that the loans are not eligible for co-signer release. I have demanded that AES provide me with documentation of the co-signer benefits and stipulation but have yet to receive much more than a generic almost computer generated response. Even when you call them it seems as though the customer service reps are trained to respond in certain ways and that their knowledge is lacking as well as their customer service skills. I 've seen news stories on how NCT likes to sue people for not paying their loans but then when they get to court they cant prove that they are the owners of the loans.

Company response to consumer: Closed with explanation