milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is in regards to original credit card XXXX account # XXXX with the amount of or close to {$12000.00} has more than exceeded the California time statue to collect since its been more than ( 6 ) years of no payment, corresponded and or dialogue. I would like that collection agency below contacts XXXX And or other credit agencies to remove this negative Mark from my credit report and or to issue to me a letter on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES IN REGARDS TO THIS DEBT. BELOW IS THE COLLECTION AGENCY THAT PERTAINS TO THIS DEBT. 

MIDLAND FUNDING ( their account # XXXX : XXXX, Ca. XXXXPhone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on 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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for Transunion. When I asked them about it they said to contact Transunion but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.

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 07-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing this complaint because my requests have been ignored by XXXX. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation and XXXX request have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: My bookkeeper notified me to an unknown transfer from my WF to a XXXX account I confirmed the $ XXXX transfer was fraudulent I reported this to Wells Fargo but they denied my claim because of a transfer to the same unknown XXXX account in 2013, for {$10.00}, which was obviously also fraudulent

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 03/29/2016 about Credit card () with CITIBANK, N.A. (HI).
Issue: Other fee

Complaint: I have a card issued by Macy 's department store. I do n't often use the card but when I do, I pay off the balance in full. I had not used the card since XXXX, but I received a bill for XXXX demanding payment of a " fee '' of {$2.00}. I called customer service, and the representative was unable to explain what this was about, then the call was abruptly terminated. I then used Macy 's online communications form ( which, by the bye, will not accept any message that includes any form of punctuation, including periods ). I said I would not pay this fee, and demanded that they close my account. I received an email acknowledgement of my complaint, but nothing since. A {$2.00} fee for not using their card is beyond outrageous. And they will charge me a {$37.00} late fee if I do n't pay up.

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 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have repeatedly disputed public record listed on my credit report for a state lien from the state of Georgia. I have requested information on the source in which the credit reporting agency received this information and have yet to receive it. I have contacted my local clerof of superior court and they do not have a record of this information. I have also contacted the Georgia dept of revenue and they also have no record.

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
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 have lodged disputes with Bank of America with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/ 2018 2018

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 09-12-2017 about Debt collection (Other debt) with Yakima County Credit Service, INC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was garnished after making a contract with them and making a good faith payment XXXX of XXXX. Then on XXXX my employer withheld XXXX. I called yccs and talked to XXXX of the supervisors. They told me they were n't supposed to garnish me. After getting know where I contacted the attorney that represents them on XXXX. He told me he would get the paperwork over so they would stop the garnishment before the next pay cycle. On XXXX they took another XXXX. I once again called them and they apologized and said that this should n't be happening. They would contact my pAyroll department. My payroll department told them she legally needed a stop payment form. I got a phone call a week later saying it was taken care of. XXXX I called payroll to make sure I would not be having any money taken out and she said she had n't received anything from them. So I then called yccs again I was directed to the supervisor. She said she would get it taken care of. The manager of the location called my payroll and was told what form she needed. He got the fax information and said he would get it to her. Today XXXX when I spoke to him to make sure it was getting taken care of he said he did n't need to send her any more forms. I then asked for my money to be sent back because I was n't supposed to be paying them that much. He told me no it would be credited to my account. They took XXXX overpayment so far and as of XXXX it will be XXXX of over payment. I simply want my money back and to will continue to make my contracted XXXX monthly payment. They 're illegally taking money. They keep saying the order she has is the stop payment then why are they continuing to take my money and not sending it back to me

Company response to consumer: Untimely response
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Allied Interstate LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: On or about XXXX XXXX, 2016, I applied for a VA Mortgage with Quicken Loans ( QL ) because QL was listed as the nation 's second largest VA Mortgage lender at the VA website. QL demands that I prove that I possess {$12000.00} on hand to cover for the closing costs, however, QL refuses to break down what closing costs amount to that number. I did convey to QL that I had {$12000.00} in cash assets available before QL demanded {$12000.00} for the closing costs and then increased the amount to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I deposited from my XXXX  account {$300.00} to Coinbase. Coinbase took receipt of the money on XX/XX/XXXX. I received an email confirmation from Coinbase on the XX/XX/XXXX with Deposit reference : Today is the XX/XX/XXXXand numerous calls to Coinbase yielded no meaningful contact. All I have gotten is an automated machine telling me things which does not work. I have reported the issue via their support online request form at XXXX site. I have gotten no email suggesting that ticket was created to document my submissions. I XXXX searched to see if others were have the similar complaints, fund XXXX. Also got to realized they're associated with XXXX XXXX XXXX. I called XXXX XXXX, this morning, I was told they can not see their systems, but they are behind and will get my deposit done, but no time frame given. That is not acceptable.. 



Coinbase On Saturday XX/XX/XXXX you authorized XXXX to fund your Stored Value Account with {$300.00} from your linked bank account. We have debited your linked bank account accordingly.Deposit reference : Within 2-4 business days, these funds should be available in your XXXX  balance. Coinbase does not charge a fee for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Equifax numerous requests to investigate and remove inquiries from my credit report that were not initiated by me and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The XXXX XXXX XXXX 's Activity Designator Should be " Closed ''. It currently has NA - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate. 

Please delete the comments, and ensure the HIGH CREDIT is reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Medical debt) with Snow and Sauerteig LLP (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX XXXX, I went to XXXX XXXX in XXXX, Ohio. No X-rays were done, no medication administered, and I was only there about 20 minutes. XXXX XXXX submitted the wrong dates to the insurance company, so there was a payment issue. I called XXXX XXXX repeatedly for an itemized bill of services and sent emails to show I was not in the state on the dates they submitted to the insurance company. XXXX XXXX has sent the bill to several collection agencies, I have continually disputed it, and now Snow and Sauerteig has it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I was denied a checking account at capitol one 360 because of a chexsystem report and i have my report dated XXXX/XXXX/2015 which they also have and they said there is negative info on the report and on my report there is no information. capitol one 360 will not tell me what the negative info is about me. I am worried they are committing fraud.they also informed me i am not the only one this is happening to. If needed I will hire a lawyer and sue them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are inquiries that should be deleted off my Equifax credit report over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I mailed XXXX XXXX a check for {$240.00} that they received on XX/XX/XXXX. i asked that they apply the over payment of XXXX to a purchase that is going to start charging interest in XX/XX/XXXX which they they did not. when i called today i was told they will not apply my over payments to where i advise then i want them applied. I then told this same supervisor to close my account and she also refused to close my account. Why are they not required to apply my over payments where i want them applied so that they do n't earn more interest from me. This supervisor named XXXX reminds me of a XXXX XXXX XXXX XXXX and should be fired for her attitude. they are also not listing my interest rate on my statement For purchases

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax had a data breach and my personal information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: Please see attached letter and documents regarding my mortgage account that is currently being serviced by Shellpoint Mortgage Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX, XXXX, I went to Experian online to obtain three reports from all three reporting bureaus for {$39.00} as advertised. I did not want to obtain a free report from Experian or receive other Information from any of their companies. A few years ago I had an account with Experian and did not try to log in because I had not renewed my account. So, I preceded to include information personal to me, and went through credit card information for the purchase and was told an error occurred and was told to call in. I decided I would try it today, XXXX XXXX, XXXX. I decided to try purchasing the three reports for {$39.00} again, however, I decided to get the free report first and opened a basic account without any costs. I received a welcome back online greeting and obtained a 12 page report with no score or information. Next, I decided to try again to purchase the three reports, and again after putting past, present name and address birthdate and credit card information was given an error message and it cancelled purchase. I the telephoned customer care XXXX and waited one hour and was told I could not purchase the three reports by telephone and that they could only be purchased online. I believe the offer to purchase 3 reports is a bait and switch, because I was offered a monthly deal for {$4.00} and other services.

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 05/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo lost my request in 2011 for help when I thought I would not be able to pay for my home loan. PLEASE HELP find it. 
It was sent to XXXX XXXX at Wells Fargo.

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 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Can not verified my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with Credit Systems International, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no idea what this is about. I sent a letter in XXXX and they did not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ***First off this is not a request for any kind of fraud alert or Security Freeze to be put on my report**** DO NOT PUT ANY KIND OF ALERTS OR FREEZES ON MY ACCOUNT. <P/>I have to say this upfront because EXPERIAN is really bad about just putting a freeze on the report as their way of saying they have responded to my request. <P/>The FCRA Specifically says that all credit inquiries must be back by factual truth and proof to show permissible purpose and I am here to say that EXPERIAN is not following the law. They have inquiries on my report that do not show factual proof, truth or permissible purpose and they WILL NOT REMOVE THEM. <P/>I am demanding that the following inquiries be removed from my credit report as you can not produce permissible purposes for them. DO NOT SEND ME A RESPONSE BACK SAYING THEY MUST STAY AS A PART OF FACTURAL RECORD AS WE BOTH KNOW THAT IS A LIE. 1. XXXX ONXX/XX/XXXX I DO NOT HAVE A XXXX ACCOUNT AND THERE IS NO FACTUAL TRUTH OR PERMISSIBLE PURPOSE SHOWING THAT I WAS GRANTED A LINE OF CREDIT WITH THEM. REMOVE THIS IMMEDIATELY. 2. XXXX XXXX XXXX ON XXXX THEY DID NOT RUN MY CREDIT FOR ANYTHING AND I AM DEMANDING THAT THIS INQUIRY BE REMOVED 3. XXXX ON XXXX I HAVE NO IDEA WHO WHIS COMPANY IS AND THIS MUST BE REMOVED IMMEDIATELY AS I DO NOT HAVE ANY ACCOUNTS WITH THEM. 4. XXXX ON XXXX THEY CAN NOT SHOW PERMISSIBLE PURPOSE THEREFORE THIS INQUIRY IS AGAINS THE LAW, REMOVE IT. 5. XXXXXX/XX/XXXX I HAVE NO IDEA WHO THIS COMPANY IS AND I WANT THIS INQUIRY REMOVED AS IT VIOLATES THE LAW REMOVE IT 6. XXXX XXXX XXXX. XXXX I AM DEMANDING THIS BE REMOVED. I NEVER HEARD OF THIS COMPANY, AND I DO NOT REMEMBER ENGAGING THEM FOR CREDIT, THIS IS AGAINS THE LAW SO REMOVE IT. <P/>ONCE AGAIN YOU DO NOT HAVE MY PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY ACCOUNT. YOU ARE THE ONES BREAKING THE LAW SO STOP IT, AND REMOVE THE ABOVE INQUIRIES IMMEIDATELY.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks

Company response to consumer: Closed with explanation