milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2017 about Debt collection (I do not know) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I told you people and the BBB in ohio about these malignant   XXXX    from comenity bank collections. 2 1/2 years later AND 100 times they were told THERE is no imaginary   XXXX   XXXX   living in MY apt . hiding under MY table. I do n't give a   XXXX   who what where they looking for.   XXXX   XXXX   would tell this opprobrious derelicts  XXXX  changed her number. I looked it up on  XXXX  ONLY 3   XXXX   XXXX   in california, about   XXXX   miles south of me. Which   XXXX   XXXX   are these   XXXX   looking for. I want them jailed and punitive damages owed me for there malignant harassment, BLATANT stuck on  XXXX , SUBREPTION, this bank and there contracted collection agencies KEEP lying there sorry   XXXX   off, THEY claim to delete my number, AND stop there stuck on   XXXX   calling me. IS   XXXX   XXXX    THERE?! # Criminal  XXXX , TORT OF OUTRAGE is punitive. LAST   XXXX   I had to ONCE again verbally abuse called me from   XXXX   XXXX   XXXX   on  XXXX - XXXX -2017. THESE opprobriously malignant clowns have been told OVER 100 times in the last 2 years, THIS is my recycled number, there is NO fictitious   XXXX   XXXX   at MY residence!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I disputed XXXX ( XXXX XXXX ) in the amount of {$2600.00}. This debt was removed two months ago, due to inaccuracy and failed to properly prove this alledged debt that does not belong to me. The alleged debt is showing back on my report via XXXX XXXX after it was once already removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Over the past several years Wells Fargo has tried to charge late fees and other fees on my loans. I fought them because I knew I was n't late and I did n't owe them anything. I was never forced to pay anything after I called and fought them. Although I was called several times on several different occasions about fees I owed them. Also to go along with being told I owe them fees, they would not send me paper statements for almost two years. Their reasoning was that they did n't have a current address but the address had n't changed and was a valid home address. On top of all this my loans have been fluctuated in payments each month, I have a fixed rate. I have had a fixed rate since XXXX. I called and asked why this is happening and they said " Because of new government regulations ''.

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 07-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: the credit reporting is refusing to reinvesitage past paid in full accouts and update or remove inaccurate imformation on my report its still showing derogatory or collection made 5 disputes and no effort to make chaneges was paid to orignal creditor before transferring to different collection agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TRANS UNION NEVER RESPONDED OR REPLIED TO MY INVESTIGATION AND ISSUE REMAINED ON MY REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NM).
Issue: Money was not available when promised

Complaint: I sent money to XXXX via MoneyGram at XXXX online. Got the confirmation and reference numbers. At XXXX she was denied the money at the location. The bank branch said the confirmation number was no good and that MoneyGram was not in the system. She went 3 times after I had called 3 times and still no money to be picked up. I kept talking to reps who were unfamiliar with the English language. Every rep I spoke with had no solution. Finally I resent money via another carrier and she got the money. I decided to cancel my transaction online and I also decide to call again. I told the rep that I am calling to report fraud. He thought the fraud was by the receiver of the funds. I said no, your company and he was silent. While talking to him I was reading emails and I got one from Moneygram confirming my cancellation. I told him never mind I just received an authorization. He said I did n't because its not in his system. He later confirmed my request and verified it. I told I have been reading about MoneyGram and their FTC fine and XXXX compalints about fraud within their company. People are not getting their money back within 3-10 days for various reasons. I ask him why does Moneygran take my money immediately but ca n't return it immediately? I asked him where is the money. He blamed it on the bank in XXXX, XXXX. He also let slip from his mouth that he said I or the bank had a different confirmation number. The bank never got a confirmation number according to the bank but he said the number was incorrect! Since they were fined for fraud within the company this brings to you, this panel. Now I fear if I wait this out 3-10 days it will just get worse. Without help ....

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive calls in excess of 6 times per day, every day, Monday through Friday, starting at XXXX and ending at XXXX. When I answer they ask for my wife. When I tell them she is out of town or unavailable, they say they will call back and hang up. They refuse to identify the balance owed, if any. Often there is no one on the line when I answer, and when I do n't answer, they do n't leave a message. I have identified to them on numerous occasions that they are harassing me to no avail. This has been going on for in excess of a year. These calls are severely affecting my ability to conduct my business.

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 03/22/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Portfolio Recovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had this account since  XXXX   XXXX . I always  ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing . In   XXXX   XXXX   XXXX   XXXX   I was d enied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in  XXXX   XXXX . Still no notification at this time nor to this date  (   XXXX   XXXX  ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til  XXXX   XXXX , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!

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 08/25/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting a call from a company called Portfolio Recovery ( XXXX ). I have asked them numerous times not to call but they insist on arguing with me over the phone and stating that they will not stop calling. 

I am being harassed over and over and it is driving me insane. 
could someone please do something about this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Reporting/collecting unverified/unvalidated debt to credit bureaus. Please ref to Virginia Law VA Code 8.01-246. This company has yet to provide any signed documents/contracts between myself and their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit limit was lowered from $XXXX to $XXXX  because Wells Fargo got a report from a credit bureau that told them my limit should be lowered. I never made a late payment or have a bad score and this should not have happened. Not to mention that I did not allow credit bureau to share any information with my financial institution.Wells Fargo representative stated that this was caused by late payments I made to some other lenders, but I never had any late payments, but she could not see what or where, and was just following direction from the credit bureau. She could not even share that report with me, which I am pretty sure was illegal.

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 10-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A fraudulent credit card account was opened in my name on XX/XX/2016, and I received a letter from Capital One stating they believed the account MAY be fraudulent. Ya think?! Clearly their vetting processes for applications are the worst. I called in immediately to tell them it was in fact a fraudulent account and the man I spoke with confirmed there were no transactions and the account would be flagged as fraud AND CLOSED. Fast forward 2 months later when I decide to pull my credit report to dispute some of the fraudulent inquiries, and the Capital One account was show as Open and Active on my credit report with a credit limit of {$2000.00}! So an account they knew was fraudulent and that I confirmed was fraud, was never actually closed. I called in again today to sort it out and the woman I spoke with was very nice, but I believe in part that was because they knew this was a huge mistake. She confirmed that the account was flagged as possible fraud, that their records showed all my phone calls were noted, and even that the last agent confirmed in his notes that the account would be closed, and it was NOT. She confirmed very honestly that the proper procedures were not followed and it was an error on their part. Fine, but now I have had a fraudulent account open in my name, affecting my credit score for 2+ months when it should have never shown up in the first place! Capital One should be put out of business. MY TIP : If you receive any letters indicating possible fraud, call immediately and ask to speak with fraud supervisor. Also get their name, employee ID and confirmation that a letter stating the closure of the account will be sent to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My complaint is against the credit bureau Experian. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Experian has signed the receipt for certified mail and I have sent them my request for Experian to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Experian seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX ( XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Experian is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Experian is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with JDJ Investments, INC. (LA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Credit bureau services contacted a provider   XXXX   XXXX   in reference to an alleged debt concerning me.   XXXX   XXXX   in turn released my alleged medical treatment provided by him. He did so without my consent. By   XXXX   XXXX   giving Credit Bureau Services my information that is an direct violation o f HIPPA  rights.   When speaking to the representative from Credit Bureau Services she stated she was in possession of my record and proceeded to mail an copy by regular mail where anybody could have came in contact with the information.   I am attaching copies of records sent to me from Credit Bureau Services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: {$4000.00} wire transfer to coinbase.com my account.. they have not credited my acct with the funds. and the actually rejected it. and said they were sending back within 1 business day.. they have never sent it back as promised.. its been 2 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called TransUnion and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : XXXX and 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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: On XXXX XXXX, 2017, a sales clerk ran my credit to open a XXXX XXXX line of credit without my permission. I have since contacted XXXX XXXX and they have closed this account as being opened fraudulently. I would like TransUnion to remove the " hard inquiry '' on my credit report. TransUnion 's initial response to my request to remove this inquiry was that I contact the lender, which I have since done.

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 08/23/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from the law firm of XXXX and XXXX in XXXX Texas stating that my mortgage with Nationstar Mortgage was past due and near foreclosure. This information was not accurate and immediately faxed a request for them to validate the debt information as per my rights under FCRA and FDCPA. The fax was sent on XXXX/XXXX/XXXX ( fax confirmation attached ) and I have yet to hear a response from the company. They continue to report the mortgage as past due and in foreclosure despite the account being paid in full in XXXX. I was recently denied a car loan because of their false reporting.

Company response to consumer: Closed with explanation