milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX  opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since   XXXX   XXXX     a mysterious payment from  XXXX   XXXX  appeared as a collection on my   XXXX   report. I check all my physical mail and email, I never had any collections or payments due to " CA CHECK CASHING '' which is the company  XXXX   XXXX  claims they are representing. I decided to call  XXXX   XXXX , calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN  just to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with CA  Check Cashing , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called CA Check Cashing to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I was a victim of identity theft and requested that TransUnion place a security freeze on my consumer credit report. I sent TransUnion my request along with documentation of my identity and status as a victim of identity theft that satisfied the statutory requirements of my state of residence, Nevada. TransUnion would not place the security freeze on my report, stating that my documentation was insufficient. TransUnion was and still is incorrect in their assertion, as in my previous complaint, it was clearly outlined what the statutory requirements were to be considered a victim of identity theft in the State of Nevada and all documentation submitted to TransUnion complied with Nevada Revised Statutes for having a security freeze placed on my consumer credit report. Furthermore, as a victim of identity theft, TransUnion is barred from charging me a fee to place the security freeze, to temporarily lift the security freeze, or to remove the security freeze. However, when I attempt to temporarily lift the security freeze from my TransUnion report, TransUnion is requiring I pay a {$10.00} fee, in violation of Nevada Revised Statutes. 

TransUnion only complied with the law requiring them to place the security freeze because of a CFPB complaint. However, TransUnion is still violating Nevada Law by attempting to charge me a {$10.00} fee to have the security freeze temporarily removed. 

As I have stated to TransUnion and in my CFPB complaint, my documentation fully complies with the requirements of the laws of the State of Nevada. TransUnion has yet to respond directly to my messages and complaints, or to point out which Nevada Revised Statute with which my previously submitted documentation fails to comply.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following address on my Equifax Credit Report is incorrect and does not belong to me because I have never lived in XXXX. The following address is as follows : Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

I have only lived in XXXX, XXXX, and XXXX. 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Capital one will not allow me to connect and external application to my information in order to analyze my spending and service costs.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
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 a paid tax lien showing on equifax. Date of filing is over 7 years ago No DOB or SSN on the records. I have disputed twice with equifax to no avail.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.

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 08/19/2015 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi, I received the bill on my credit of XXXX dollars from Gold Key Cred. 
I was shocked because i am an educated and responsible person.I can never leave my bills unpaid. 
I called their customer service number, XXXX. The lady on the call told me that its about the medical bill of hospital, used by my name or miss used my information. 
I never been there in that hospital in emergency. 
Some one used my name and information. I request you please take action on this wrong bill on my name. Its damaging my credit score badly. 
Please help me to get rid of this fraud done with my ID, as soon as possible. 
I will apprecite. 
RegardsXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Santander consumer USA claims I owe them money for a vehicle they repossed and sold and claimed I did n't owe anything. Then I started receiving harassing calls and letters stating I owed fees and surcharges. I have contacted them and even offered to pay the money I do n't owe if they promise to remove the information from my credit and they refuse to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I went to XXXX XXXX store on XX/XX/XXXX to buy some items for my wife and I and was asked if I wanted to open a card so we did. I gave all my info to the sales person and went on my way. The charge was {$48.00}. I never got a bill from this company and then out of the blue my credit went down when I called the company to inquiry I was told that they did not have my Unit number on the account billing address.

That is not my fault the sales person did not included this when I called to complain I was told that they would not remove the lates from XX/XX/XXXX and XX/XX/XXXX. As you did not get any mail returned. This is crazy. It was there fault. 

I have called the customer service center for the last 3 months asking if they could remove a 30 day late charge from XX/XX/XXXX and XX/XX/XXXX. The keep saying no. I called to complain as I have never been a late on any accounts in my life, I was treated with disrespect form a very confrontational customer service rep for your company. You can check the records on that one, I know the conversation was recorded.

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 02-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Delinquent account

Complaint: I inadvertently applied a payment to my daughter 's Kohl 's account instead of my own. The minute I found out about it ( when I got my daughter 's bill showing a credit ), I contacted them. I asked if they could transfer the money and they said they would take care of it. Had they told me what a headache it was going to be I would have just double paid, but I believed them when they said it would be done. When I got my next bill reflecting the money had not transferred, I contacted them again. Again they promised it would be resolved and I would not be reported as being late on my credit report. Multiple times I was contacted by them and I contacted them as well, to resolve this matter and repeatedly was told it would be resolved and my credit history would be restored. I called on XX/XX/XXXX and determined everything had been resolved and asked that they let me know when I could expect them to get my credit rating fixed ( my son, who is on the account with me, gets his credit score free every month from a different credit card he holds and the score had dropped XXXX points ). They said they would look into it and get back to me. I called again the following day only to be told that it was my fault and the credit would stand. I was then told to send a letter, which I immediately did ( attached ). I got their response on Saturday telling me that they would n't fix it ( also attached ). 
I take phenomenal care of my credit rating and have NEVER, EVER, been late on a bill. If they had just told me to start with, again I would 've just double paid it. During this entire time I kept my daughter 's credit card paid in full ( as if the money I did overpay was never there ) to avoid interest on her account. During all this Kohl 's credited me the late fees and interest fees, but somehow still feel it 's my fault they could n't fix it. I want my ( and my son 's ) credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This credit bureau has been notified that this account is not mine and  may have  been obtained fraudulently. The companies are  XXXX   XXXX  and  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 non-monetary relief
Consumer complaint received 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for a loan modification in XXXX. It was never processed. They restarted a foreclosure action in XXXX of that year and claimed they mailed a back-dated letter that I never received. I never had the ability to appeal nor was given any information about how I did not qualify. The servicer is currently barred from foreclosing, as of the XXXX, from the XXXX, and is proceeding anyway and nothing has been done to correct this error from XXXX nor from the same situation in late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: Opened a checking account last year with US Bank then decided to refinance house with them. Started this in XXXX XXXX after making me jump threw hoops and making me pay for underwriting fees up front or they would cancel the loan if I didn't.. I finally got a call from the loan agent saying we were in final in XXXX XXXX nothing was said when i spoke to him about taking XXXX dollars out of my account and not telling me. When I noticed the next day when I was in the negative in my account. Called him and told him he needed to put the money back that things where going to bounce he said not to worry because you have over draft. Went to the bank the next day told loan agent to put the money back and he should have told me he was taking out of my account. He said he would have to put in for the money to get it back and then told me he cancelled the loan and I would have to talk to the manager to get my fees back so talked to the manager and after some debate on whose fault it was he said he would give me the fees back and would fix it back to the way it was before this mess. 
They sent me the XXXX back for underwriting fees I deposited in there bank. When the loan agent saw me asked me if I got the other money back I said no. He gave me a number of someone else to call. Decided to open an banking account at another bank did not trust this bank with my money. After weeks I did finally get my money and then went to close my account they said I owed XXXX in over draft fees. What a scam they are running

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 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2017, I sent XXXX ETH from XXXX to coinbase using the correct wallet identification given to me from coinbase. The transaction has been confirmed on XXXX many times, however, no pending transaction showed up like it should on my account and my XXXX never showed in my wallet. I waited a couple days to see if it would show up eventually to no avail. So I sent a support ticket in, waited 5 days and got no response, so I sent another ticket in. The next day, I got a generic response that did n't help my situation at all but said if I needed help further, I could email them back so I did and have n't received an email back yet. I have sent 5 more support tickets in since and have gotten no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Other

Complaint: I have an account with American Express. I rented a car with XXXX on XX/XX/XXXX and returned the car on XX/XX/2017. XXXX charged my account {$160.00} my total rental was {$46.00}. XXXX credited my American Express account back {$110.00}. I called AMEX Authorizations Department on XX/XX/2017 and they stated that the {$110.00} was not credited back to my account. Once again I called XXXX and they stated that the money was returned to AMEX. Now Amex claims everything has been settled with the rental car services but the my money is NOT reflecting toward my available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Credit Resolution, Incorporated (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was called by a debt collector yesterday and said if I did not call him he will serve me with a letter of intent .And also he did not say what the name of the company was.So I called back and I say what the debt was for he said XXXX XXXX XXXX and he said I had broke a 2 year contract and the XXXX XXXX been bankrupted and out of business for 4 years.So the phone number he called from was XXXX and so I had told the representative that I can not afford and I am on social security XXXX but, I did had a 1 year contract not 2 and he had the last XXXX digits of my social security number.I had told the representative to set up a payment plan and he wants the money immediately so I had gave him a debit card number I do n't use so he can get off my back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 02/27/2016 about Debt collection (Mortgage) with Aspen National Financial, Inc. (SC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Every time I get a call from the company it the same guy. He hang up the phone on me. Demand thing. Rude, disrespectful, just mean and rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: I placed a call to Macy 's on XXXX XXXX in an attempt to make a payment. The associate told me that Macy 's was undergoing maintenance at the time. I tried to leave my information with the associate to input once the system was running again. This request was declined. I stated a concern about a late fee, due to Macy 's inability to process a payment. I was assured that this would not be an issue, as it well known that the system is undergoing an overhaul. 

I received a bill in the mail with a {$27.00} late fee included. I called to make my regular payment and dispute the late fee. When I spoke to associate XXXX XXXX, he refused to discuss the matter until I paid the misapplied late fee. I asked him multiple times to speak to a supervisor, and he denied my request each time. 

I called back and got through to Supervisor XXXX XXXX. She insisted that the conversation that I had on XXXX XXXX was with an automated message, not an associate. I told her that I indeed spoke with an associate, and I relayed the information that the associate provided. 

I have already set up autopay, and I have no issue making all of my payments. However, the late fee is a direct result of Macy 's being unable to process the payment XXXX XXXX, 2015. My credit rating is very high because I honor my payments. This {$27.00} late fee should have never been applied, and I am requesting that it be removed immediately. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: continously provides me with a bolden statement telling me to XXXX off-that Im not getting my files disputed wo my blood type ( provided ) starship name, etc. 

When I give this informaion they claim I have not provided enough to dispute ( XXXX XXXX seems to think so ) and dismisses my claim. 

then they try to claim I am frivilous. 

I am sending them to a lawyer for FCRA ACTION. 

I have given the bureaus stacks of paperwork and they continue to play this XXXX from months ago, unresolved.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was never fully informed that I need to consolidate my loans to be eligible for forgiveness. I was told that because I work for a non profit and I am on the " Income based repayment '' plan, I would have my loans discharged after x amount of payments. Three years later, in conversation with a representative, I was told that because I did n't consolidate I am out of luck. I consolidated, but now have ten more years of payments.

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. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently learned that Equifax was hacked and personal data was given to unauthorized person ( s ). I checked if I was among those people and I was. I am afraid my data was given to some entity without my permission nor was it legal.

Company response to consumer: Closed with explanation