milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is continually violating my rights under the Fair Credit Reporting Act. They are not taking complaints filed against them with the Consumer Financial Protection Bureau seriously. I am now asking that the Consumer Financial Protection Bureau gets involved in this situation. I have filed this dispute on several occasions and Equifax just keeps updating my credit report with the same information. They did this again on XX/XX/XXXX. These items were no longer showing that a re-investigation was in progress when I went to their website this morning. They also added back a collection that was recently deleted. I just went to the website and re-disputed the following items : XXXX ( Balance {$150.00} ) XXXX ( Balance {$160.00} ) XXXX ( Balance {$160.00} ) They recently added the following collection back to my credit report after deletion : XXXX ( Balance {$24.00} ) I ask that the Consumer Financial Protection Bureau gets involved in this immediately, as I have been dealing with this issue with Equifax since XX/XX/XXXX. I have provided information by certified mail ( return receipt ) and online that shows that I have been in Chapter XXXX bankruptcy since XX/XX/XXXX and all accounts that I had were included in that bankruptcy. This is preventing me from getting a XXXX formed that is needed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XXXX XXXX, 2017 XXXX XXXX took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft. The following XXXX credit card account is listed on my XXXX XXXX, Equifax and XXXX credit credit report and it 's a fraudulent and unauthorized account. I never applied for the following XXXX credit card account : XXXX. Someone stole my personal information and identity, and fraudulently applied for and used the above XXXX credit card account. The XXXX credit card account do n't belong to me, because I did n't apply for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: everytime i try to get my report it asks me a bunch of quistions about loans i have never had then kicks me off when i say none on the quistion. im afraid there is charges that are not mine on there where it will not let me in called and they want me to go threw a bunch of stuff. i want my report where i was denied credit and should not have to suscribe to there web site to get it like i was told i could pay XXXX and get it. under the fair credit act im intitled to know what is on there

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Fraud or scam

Complaint: I had XXXX amount of ethereum taken away from my account on XX/XX/2017, The day when XXXX was introduced to coinbase. Initially I thouth it could be bcasue of the Coinbase glitch which they might return once resolved. The transaction list shows its sent to Coinbase. I am not informed the reason and not returning back my currency ( XXXX eth ) with a support ticket open for more than a month now. 


Coinbase Support Ticket /Case number : XXXX Account : XXXX Ph : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. I would like to have the judgement removed to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WV).
Issue: Money was not available when promised

Complaint: On XXXX the XXXX I withdrew {$390.00} out of my Coinbase account to go into my XXXX XXXX XXXX bank account. Its now XXXX the XXXX and it still says my transfer is pending. I 've emailed support twice over the past two weeks for a transfer that should only take 2-5 days. And I 've gotten zero response of what is going on and why its taking so long. My accounts email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: I deposited what turned out to be a fraudulent check drawn on Wells Fargo Bank by mobile deposit to my savings account at Wells Fargo on XX/XX/2017 at XXXX Pacific time for {$2400.00}. They gave me full availability of the {$2400.00} on XX/XX/2017 at which time I withdrew {$2200.00} and Wells Fargo then charged back the deposited check on XX/XX/2017 creating an overdraft in my account of over {$2000.00}. A Wells Fargo representative explained that they do not process mobile deposits until late the night one banking day after the deposit is made due to a Federal Reserve Bank regulation. This means they honored the withdrawal request before they processed the transaction. That gave me the false assurance that the deposited check was good. The cash is gone to the perpetrator and now the bank wants me to cover the overdraft. I am a XXXX and do not have the money. The fact they wait a whole banking day before processing these deposits is for their convenience and the consumer should not be held accountable for the consequences of this self-imposed delay. Also, the Uniform Commercial Code ( UCC ) 4-301 ( b ) addresses the final payment of on-us checks deposited and states that the payor bank has until midnight of the next banking day to decide whether to honor the check. If they do n't act by the midnight deadline, they lose the right to dishonor the check UCC 4-214 ( c ), 4-301 ( b ). The mobile deposit confirmation states " The following mobile deposit was made on XX/XX/2017 at XXXX Pacific Time '' and my account statement shows the deposit under the posting date of XX/XX/2017 so they obviously processed some part of the transaction on XX/XX/2017 in conflict with their stated practice of waiting one banking day. Therefore, under UCC 4-301 ( b ), the deposited check drawn on Wells Fargo Bank should have been returned and charged back under the posting date of XX/XX/2017. It was not. The charge back is posted under the banking date of XX/XX/2017.

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 11/28/2017 about Debt collection (I do not know) with Atlantic Recovery Solutions LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I keep getting on a daily bases sometimes a few times a day calls from a number XXXX saying I need to call XXXX. I work in XXXX XXXX XXXX so it is very hard for me to call back during the same business hours i work. I had time to call back to to figure out why am i getting so many calls daily. i called XXXX a man picked up asked me if I was XXXX XXXX and verify SSN. I told the man I would not be giving any info can he give me the name of the company so i may know if the collect was a fraud or not. He said I need to verify information. I tired to explain to the man my rights as a consumer he started to over talk me yelling and than just he hung up the phone. I called back a female answered this time I stated my name and i had already been treated rudely by the previous rep and than that lady became quickly loud and rude. I explain i still am not sure what you business is calling me for no is telling what this debit is for. She began to over talk me while i was trying to speak. I keep asking the ma'am to please allow me to finish my statement she also got loud to over talk me and hung up. called third time is the charm to figure why are they calling so much and this time i asked for a supervisor to explain to her the treatment by call reps. I spoke with a XXXX now i am recording the call my self i let XXXX know the call was recorded for my own protection based on the previous treatment. As i started to explain to her how the reps hung up start yelling saying so you not going to pay your debit, yet i do n't even what they want to pay.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: there is a collection account on my credit report from XX/XX/XXXX it was open from the XXXX account nubmber # XXXX there have not been no activity on this account and 30 years into i dispute it in XX/XX/XXXX the account is to old to stay on report you can call me at XXXX i can talk to you more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am having a permanent hard ship due to now only working part time and have not been able to afford the payments due to paying for food, utilities and mortgage, also I have a XXXX year old daughter and have to pay XXXX a month in day care. Due to numerous calls every day to the point of harassment causing me extreme stress, my daughters uncle offered to help me by loaning me the money to try to settle the debt. On XXXX XXXX 2015 I called and gave permission for them to discuss the matter with him they were not willing to consider the settlement we offered they only wanted full payment even with my permanent hardship. On XXXX XXXX 2015 we tried calling to work it out again and were told they settle accounts similar to mine but I do not qualify, when asked for the reason that others qualify and I do not even with a permanent hardship they refused to answer that question and would only say I do not. When asked to speak to someone that can explain the difference the capital one employee refused to transfer me and then said no one in capital one can approve a settlement not even the ceo.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have contacted XXXX to process an dispute few times on my behalf about in corrected in -formation reported in my credit report and always get they same result wish is reporting CO from XX/XX/XXXX thru XX/XX/XXXX and also is showing 30,60.90 days late in XX/XX/XXXX all this information is in-corrected. 
I filed bankruptcy chapter XXXX 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 12/14/2017 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX XXXX I applied with Ditech to refinance my mortgage. On XXXX XXXX, XXXX I received a Statement of Credit Denial in the mail. The given reasons for denial are as follows : 1. Unable to verify employment. ( I am self-employed, and was never asked to verify my employment ) 2.Unable to verify customers identity. ( I have had my mortgage with Ditech/XXXX for 15years and they do n't know who I am? I was never asked for drivers license, passport etc. I have had many mortgages and have never been asked to verify my identity. 
3. Insufficient Data property type. ( they have had this mortgage for 15 years. 
What kind of data do they not have on a mortgage that is 15 years old??? 
4. Requested Credit is listed as " XXXX '' with no commas, no dollar sign. ( The original amount of the mortgage was {$160000.00}. My current mortgage balance is {$120000.00}. I only requested a no-cash-out refinance to reduce my monthly payment. 
I have not had any late payments on any of my accounts in the past 3 years. 
I feel that my application was denied with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with Revenue Assurance Professionals LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: we received multiple bills from several hospital stays that were not itemized so we could match them to XXXX from the insurance company. we requested itemized bills to be sent. 
by this time, the debt was turned over to collections and we were still unable to match the bills with the XXXX 's. 
we called the collection company and asked for the amount we owed and paid it. 
my credit report still reflects that we still owe the debt and the debt collector refuses to remove it. 
we have proof from the bank that we paid the debt and the collections company has a record of the call when we paid it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Money was not available when promised

Complaint: I was sent money through paypal which I have used in the past and and I was sent money XXXX XXXX to my account the money is appearing on my account but has not been added to the money so that I can withdraw the money. I contacted them and informed them of the situation first I was told that it was a system update that was being done and it would be done in 24 hours. I went today XXXX XXXX and the problem is still listed on my account again I contact Paypal explain the situation and the urgency about getting the money then I am told that there is a bug in the system and they are working on resloving the problem I asked if there was any way the money could be credited since the money was already in the account and I was told no. This is frustrating and may just cost me my job because I had to pay for somethings related to my job I have a child to feed and bills to pay who will take care of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, has had a account on my Equifax credit file too long. I filed Chapter XXXX Bankruptcy in XXXX 2008 and informed the court of all my present accs at that time, XXXX never responded to be added to the claim but years later reported to the credit bureaus that I still owed them. I decided to pay the amount anyway but they refuse to remove info from my credit file. I have reported this to the credit bureaus and still no help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Attached is a third-party authorization giving SLS permission to speak with my attorney about my account. My first mortgage was modified in XX/XX/XXXX with a HAMP Tier 1 modification. Since I received a HAMP modification before XX/XX/XXXX and my second mortgage servicer is a HAMP servicer, I should have been offered a XXXX modification for my second mortgage. It has been a year since my first mortgage was modified, but my second mortgage servicer, SLS, has still not offered me a XXXX modification.

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 02-09-2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX XXXX, applied for an auto loan and were approved by GM Financial. The term of the loan is seventy-two ( 72 ) months at 0.00 % APR with a first payment due date of XX/XX/XXXX. 

The tradeline was first reported on XX/XX/XXXX which reflected an original loan balance of {$55000.00}, the term, a monthly payment amount, and a current and joint responsibility account status. 

As of today 's date, XX/XX/XXXX, my credit report indicates that GM Financial has not provided a payment history or current account status ( please see attached ). We note here in passing that we have successfully made two ( 2 ) payments each in the amount of {$770.00} on XX/XX/XXXX ( which was scheduled on XX/XX/XXXX ) and on XX/XX/XXXX ( which was scheduled that same day ) ( please see attached ). Notwithstanding our timely payments, GM Financial has failed to report our current account and payment history status to the major credit reporting bureaus since their initial tradeline report on XX/XX/XXXX. 

In an effort to resolve this issue, I called GM Financial 's customer service department onXX/XX/XXXX, waited for almost fifteen ( 15 ) minutes to speak with a representative, and was advised that they do not show any derogatory information reported on our account and that they typically report every thirty ( 30 ) days. The proposed resolution was that the representative would contact their credit report team and have someone call us back as soon as possible. When I requested the information that was last reported to the credit reporting agencies, the representative was unable to offer any information other than no derogatory information has been reported. When I requested to speak with the credit report team, I was advised that they do not accept customer calls and only accept internal emails from representatives of GM Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have summited I complete RMA Packet to Shellpoint and have asked to postponed my sell date. they there reviewing my document as of  XXXX / XXXX / 17  and they have not postponed my sale date they are double tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation