milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwest Recovery Systems (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX XXXX XXXX. I have never applied for an account with XXXX XXXX XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midwest Recovery Systems representatives in regards to the unauthorized and fraudulent account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX of XXXX equal parties on a mortgage. The mortgage company refuses to list my name on the mortgage statement received monthly as " their system only allows XXXX names to be listed ''. I am functioning as the " primary '' on the loan and make the monthly payments. The post office keeps writing on the envelopes questioning whether they should deliver these documents to my address as I am not listed on the correspondence. I have tried repeatedly, most recently, today XXXX/XXXX/2017, through their customer service department to get this rectified. They refuse to make any attempt to do so, but insist that I write them a letter, which I have done previously. They insist they have never received any of this correspondence. They also refuse to reveal any consumer protection agency to whom I can ask for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX  Acct. # XXXX All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Orginally I had an   XXXX   XXXX   XXXX    (    XXXX   XXXX      spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my credit score went up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other service problem

Complaint: For no reason my coinbase account has been disable, ive been very patient waiting over 5 months and they still dont do anything to solve my problem. I tried many times calling the coinbase support and emailing them but nothing happened. I have my savings in this account and i do not want to loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: dispute the information in the credit report. 
The letter they sent was to a postal address of a PO Box in Puerto Rico in which I no longer receive postal correspondence because I do not live in Puerto Rico. Currently, I am living in the state of Texas about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in Puerto Rico could not send me to Texas the letter from XXXX, because Puerto Rico for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.

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 09-10-2015 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: getting repeated calls from debt collection company, Bureau of Medical Economics ( that blocks their caller ID number, but I got the agent to give me their number : XXXX ) It is for a supposed medical procedure done by XXXX XXXX XXXX, XXXX that the company agrees is NOT a valid charge. They must have then sold the " supposed debt '' to this collection agency!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX   XXXX   XXXX  has been informed that property at  XXXX   XXXX   XXXX  in  XXXX   XXXX  Texas  XXXX  is owned by  XXXX   XXXX    XXXX   XXXX   XXXX   yet it has ignored repeated request to cease aggressive collection practices.  XXXX   XXXX   XXXX  on or about  XXXX   XXXX   XXXX  caused a collection letter to be sent by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  again threatening foreclosure on a property owned by  XXXX   XXXX    XXXX      XXXX   XXXX  .      XXXX   XXXX   XXXX  was notified of this action on  XXXX   XXXX ,  XXXX  along with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , the  XXXX  credit reporting agencies  XXXX ,  XXXX  and  XXXX .     Their collective action has caused undue stress and duress on us plus negatively impacted our credit files since  XXXX . They have repeated violated the Fair Credit Reporting Act ( FCRA ) along with the Federal Fair Debt Collection Practices Act. We have asked  XXXX ,  XXXX  and  XXXX  to update our credit files since  XXXX  when  XXXX   XXXX    XXXX   XXXX     XXXX  acquired said property but those credit reporting agencies have turned a blind eye to our requests.     We hereby seek damages and action to stop this undue harassment and duress caused by parties who have colluded to circumvent our legal and financial rights. Thank you for your consideration and speedy resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: For nearly all of 2017 thus far I have not been able to access my credit card statement for my Barclays ( Barclays Arrival+ card ) - I am signed up for electronic billing and I get emails letting me know my statement is ready but every time i try to access it from the site after logging in their website gives me this error : " We 're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' I have messaged the company via the site and phoned in and have not gotten any resolution at all. I have the same problem in all internet browsers and on both XXXX and pc platforms. <P/>Not being able to view my statement means i have no way of seeing what portion of my bill is subject to what interest rate among other details I have the rights to see.

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 06/30/2016 about Debt collection (Credit card) with DISCOVER BANK (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: case number XXXX XXXX disabled their online payment system to make payments. It has been shutdown for almost a month so far that I know of. 
They are requiring payments by the XXXX of the month, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (AL).
Issue: Problems when you are unable to pay

Complaint: I lost my job and am unable to pay the loan and now they are targeting my spouse since she is the only XXXX with a job at the moment they call everyday visited and harassed me and my spouse called her work and went called our friends to contact us and she is very stressed out since they are threatening to take legal action to garnish her wages for the amount we owe.

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 08/14/2017 about Debt collection (Other debt) with AFNI INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern, I have an XXXX XXXX XXXX Collections on my account ; AFNI, INC. for {$180.00}. I have paid this collection and settled. This collection was a result of un-returned equipment for when I was in college. I had an out of state internship and my roommates said they would return the equipment.
They did not do this immediately and I was in another state trying to get them to return the equipment. I was notified by XXXX XXXX XXXX that it was not returned and tried working with them to explain the situation. The roommate who had the router got a job in another state than the one the XXXX XXXX XXXX  equipment originally was from. XXXX XXXX XXXX refused to take the equipment at a location in a different state than we had used the equipment in.
In the end the ex-roommate told me they returned the equipment but XXXX XXXX XXXX never gave me credit for it. This roommate could have been lying, there is no way to know. Still XXXX XXXX XXXX was not helpful in resolving the issue. Once they marked it as deogatory they never even followed up to see if the equipment was returned. The account is paid and settled for nearly 3 years. I have been a client of XXXX XXXX XXXX for over 12 years, going back to Cingular Cell Phone. There is no reason this should still be on the report.
It is negatively affecting my credit and making it more difficult to get competitive interest rates on loans or qualify for student loan consolidation. I would like this PAID collection removed and deleted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (NC).
Issue: Shopping for a loan or lease

Complaint: SUNTRUST BANK MADE A HARAD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO

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 12/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: hello I am having problems paying my bills after stepping down from being a XXXX back in XXXX of 2015 and have repeatedly told Navient ( which is a new name for XXXX XXXX ) this and even sent them pay stubs and bank statements I also pay child support XXXX a month and bring home XXXX a week I can not pay my bills on time with that I am struggling to make ends meet with that last month ( XXXX 2015 sent all my documents over to them they want me to pay XXXX a month for 15 months fine and dandy but I can not lose a pay check a month I want to repay these loans but I am not even to pay due to the amount and what I pay out a month pretty I am not physically able to pay anything and am afraid it I start paying I will lose my place of residence. I have been going back and forth with them for months now I have found the CFPB and I have a few days left to make a XXXX payment that I can not physically afford to do.. I need help bad I can pay XXXX easier I have told them this and they will not take into consideration that I have lowered my pay since XXXX of 2015 from XXXX to XXXX and hour please help me..

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i paid this medical bill directly to XXXX XXXX. attached is my payment confirmation. XXXX XXXX has a horrible accounting system.

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 06-04-2015 about Debt collection (I do not know) with P&B Capital Group, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I keep receiving phone calls from an XXXX XXXX who asks me to call him back regarding some XXXX account. He says he is from P & B Capital Group but when you call the number provided back it 's a generic recording that says you reached the office of XXXX XXXX and to leave a message. If this is a legitimate debt then XXXX XXXX needs to mail a letter verifying the debt and stop harassing me and my family. He called my elderly grandmother demanding to speak to me and was super rude when she told him I was n't there. This man has no business calling ANYONE related to me or associated with me. He is super rude and confrontational and I googled his phone number and name and I read more than XXXX comments from people saying the same thing, that he is rude and confrontational. He acts as if you owe him money personally or something.

Company response to consumer: Untimely response
Consumer complaint received 05/24/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid what my insurance sent in explanation of benefits. the facility itself states I had no further debt. Yet this company has twice tried to get money out of me for XXXX XXXX I had. Now they have made their way to my credit report and are hurting my credit. I am working with my insurance company to dispute these false charges. Ridiculous that I have to waste my time proving I have paid all the medical bills I was given to some company when the hospital itself does not reflect any balance owed and claims to not have any association with this company.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: A letter, dated XX/XX/XXXX, was sent to One Main disputing the account. This letter was received by One Main on XX/XX/XXXX, as evidenced by USPS Tracking number XXXX. On XX/XX/XXXX, I checked all three of my credit reports and the One Main was not shown as being disputed as required by FCRA 623 ( a ) ( 3 ). 

I sent a second letter to One Main advising One Main of their failure to show the account as disputed on my credit reports, a violation of FDCPA 807 ( 8 ), and asked that this account be removed from my credit reports. This letter was received by One Main on  XX/XX/XXXX as evidenced by USPS Tracking number XXXX. 

On XX/XX/XXXX, I received a letter from One Main, dated XX/XX/XXXX, stating that the account is now being reported as disputed, 49 ( forty-nine ) days after One Main 's receipt of my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Payday loan) with Main Street Personal Finance (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a phone call from XXXX XXXX at XXXX XXXX on XXXX/XXXX/2016. The number is XXXX. XXXX XXXX. is XXXX. She stated she was not a debt collector but a litigation specialist from the check fraud unit. She stated that I had been charged on XXXX counts, check fraud, malicious fraud of a financial institution and theft by deception. The Docket # was XXXX XXXX. I told her this had been filed on Bankruptcy and she said it did not apply to Federal Monies. She said that they had contacted the prosecutors office and they wanted to officially file charges today. She then stated that the paperwork had already been sent to XXXX County and if they could not locate me within 24-48 hours they would suspend my license until an arrest had been made. She said she checked with the State attorney 's office and I would be issued a bond in the amount of {$4000.00}. She said she could try to assist me in not being arrested if that was what I wanted her to do. I told her sure. She placed me on hold as if to be contacting the States Attorney 's office. She came back to the phone and said unfortunately, I hate to be the bearer of bad news, but these are your options. I could send them a Certified Form - XXXX XXXX from XXXX The blue and white form in the amount of {$260.00}. She said the state attorney 's office agreed that if this was paid before XXXX. they would not charge the court cost, filing fees and other fees. But it had to be received by XXXX It was to be sent to XXXX XXXX the security receive code is XXXX, the Acct # is XXXX in the amount of {$260.00}. I told her I would send the money and call with the reference number. Once I hung up, I contacted my attorney and they told me it was a Scam, and they in turn called XXXX and they also called the Court. Once the money was not received by them at XXXX, I received a call from XXXX which is the Justice Court Number in XXXX County. I answered but nobody said anything. I called back and they said Justice Court and hung up. I called my lawyer back again and they then called XXXX at the Justice Court and they both instructed me not to send any money it was a Scam. XXXX was to contact the Sheriff 's Dept and I am to call also.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XX/XX/XXXX - XXXX ( Finance ) 2. XX/XX/XXXX - XXXX ( Finance ) 3.  XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX/XXXX ) 5. XX/XX/XXXX - XXXX/XXXX ( Bank )

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 02-09-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was a co-signer of my son student loan which was originally with XXXX XXXX issued on XX/XX/2008. My son defaulted on his loan several years ago. Wells Fargo discharged the debt after 8 years and issued separate XXXX to my son and me for the same amount. My original involvement with this loan was a co-signer and acted only as a surety on the loan. My son received the benefit for receiving the loan. Based on Treasury Regulation section 1.6050P-1 ( 7 ) Guarantors and sureties, solely for purposes of the reporting requirements of this section, is not a debtor. Thus, in the case of guaranteed indebtedness, reporting under this section is not required whether or not there has been a default and demand for payment made upon the guarantor. As a person who sole purpose was to act as a surety or guaranteed of my son 's loan - my credit rating was used to help him acquire that loan, a XXXX should not have been issued against me. I gain no financial benefit on this loan. Wells Fargo, which acquired this loan after XXXX XXXX, falsely reported this to the IRS against treasury regulation and falsely implies that my income benefited from this loan. Again I was only a co-signer not a co-applicant or joint owner of this loan. I called Wells Fargo Executive office concerning this issue and they refused to correct the matter even after I stated the regulation to 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 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the items in question and also filed a complaint against the collection agency. Collection agency indicated that they are not reporting and not sure why its still showing on my credit report. I just want the items in question removed.

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