milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: Contacted XXXX about an account listed as a collection in my credit file for XXXX XXXX. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.

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 06/19/2015 about Bank account or service (Other bank product/service) with First Data Corporation (NJ).
Issue: Account opening, closing, or management

Complaint: First Data Global Leasing/corporation did nothing but deceive from the XXXX meeting with company representative XXXX XXXX, promising a non existent manual processing machine ( " XXXX '' ) for a trade show promotion, to no initial fees which were taken from my business account 5 days later, an automatic signup for " XXXX '' coverage that I specifically and quite clearly declined and all on a binding contract that was never signed. Repeated phone calls were never returned by the F.D.G.L. representative, XXXX XXXX, to address these issues. But when I went to XXXX, the point of vender contact, a call to his phone was answered immediately when placed by the branch manager. How can this possibly be legal? They NEVER batched out a single transaction, because we NEVER used, connected the terminal or processed a single card with the terminal. When I finally made contact with a F.D.G.L. agent, I was informed that XXXX XXXX no longer worked for the company and my contract is legal and binding. I agreed to a 3 year lease for the processing and the agent extended the terminal lease to 4 years. Now that the contract for the processing is over, they want {$600.00} for early cancellation of the terminal lease, plus the money for XXXX which I clearly stated I did not want nor need. I HAVE INSURANCE. How can this be legal? HELP ME PLEASE. Sign me up for any class action OR any action that can be taken. I have all of my records ; contract, bank withdraws, contact info etc. and will forward as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: On XXXX the XXXX I have transferred an amount of XXXX XXXX via wire transfer. 
As stated on The company web site ( coinbase.com ) the wire transfer should take 1-2 days to be shown on the wallet.
I have sent several emails and made many phone calls to customer service. I was told that my case has been escalated and it should take 48-72 to hear back. but nothing happened. 

on my last call with customer service they refused to give me a time frame to solve my issue. 

Yesterday I received an email from Coinbase saying that they are sad to received a request from me that I want to close my account, Which I never did At this point I have lost nearly XXXX, as the price of the XXXX is going up everyday and I am not able to use other company service since my money is blocked with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving phone calls at my employer. Transworld systems are asking my employers my personal information for a defaulted XXXX loan. I verbally requested for them not to call my employer as I have updated my contact information. I also called my university, Michigan XXXX University to confirm that they are the debt collector, however the amount requested is not what TransWorld systems is requesting. My loan is for {$5100.00} with interest. Transworld systems is attempting to collect {$5500.00}. I 've spoken with XXXX, XXXX, and XXXX and was given the run around as well as being hanged up on when I requested for a payment plan. They said they do not take payment plans which I know is incorrect. I do not feel safe nor comfortable with this debt collector harrasing me at my job. I 've tried calling them several times to make payment arrangements and no one answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I CALLED IN TO NEGOTIATE A SETTLEMENT THE ENTIRE STAFF IS UNPROFESSIONAL THE FIRST PERSON I SPOKE WITH HAD TO LOOK ME UP BY LAST NAME 3 TIMES CALL TIME ALREADY AT FIVE MINUTES SHE MADE A SMART COMMENT BECAUSE I PHONETICALLY PROVIDED THE SPELLING YET THE OTHER TIMES SHE HAD NOT FOUND IT AND IMMEDIATELY THREATENED THAT SHE WOULD TERMINATE CALL SHE THEN FAILING TO PROVIDE HER NAME AFTER MY REQUEST AS SHE WANTED TO PREVENT HER NAME BEING MENTIONED IN ANY TYPE OF COMPLAINTS SAID SHE WOULD PASS ME TO XXXX IM ASSUMING HER FRIEND IN HOPES THAT XXXX TOO WOULD SHARE IN HER DISDAIN FOR ME I ASKED XXXX FOR THE PREVIOUS REPS NAME AND SHE RFSD TO PROVIDE I TOLD HER THAT THE REP HAD BEEN NASTY TO ME AND SHE THEN HUNG UP I CALLED BACK AND WAS THEN TRANSFERRED TO XXXX WHO IMMEDIATELY HAD A BIASED OPINION BECAUSE OF THE NOTES BY XXXX SHE THEN TOLD ME I WOULD ONLY QUALIFY FOR A 20 % OFF OF THE BALANCE AS A SETTLEMENT. I ADVISED HER THAT THIS RESPONSE WAS ONLY PROVIDED BECAUSE OF MY PREVIOUS CONVERSATION AND THAT THIS WAS DISCRIMINATORY IN NATURE SHE THEN SAID IF I PAID THE SETTLEMENT SHE WOULD NOT REMOVE THIS ITEM FROM MY CREDIT AT THAT POINT SHE HAD BROKEN THE FDCPA AND I ADVISED HER THAT SHE WAS TREADING DOWN A SLIPPERY SLOPE AS I AM AN INFORMED CONSUMER AND THEN SHE SAID I CAN NO LONGER HAVE A SETTLEMENT AND I COULD NO LONGER PAY AND THIS WOULD REMAIN ON MY CREDIT FOREVER AND TERMINATED THE CALL YET AGAIN. I AM MAKING THIS COMPLAINT AS THIS ILLEGAL ACT AND PREVENTION OF ME REMOVING THIS FROM MY CREDIT SHOULD BE PUBLIC KNOWLEDGE AND THE LEADERSHIP TEAM OF THIS COMPANY SHOULD BE AWARE OF THE ILLEGAL VERBIAGE IN THE USE OF THEIR COLLECTORS AS WELL AS THE FACT LETS FACE IT THEY REFUSED THE MONEY ISNT THAT THE SOLE PURPOSE OF A COLLECTION AGENCY I HOPE THAT CREDITORS THINKING OF PLACING THEIR BUSINESS WITH THIS COMPANY WILL SEE THIS COMPLAINT AND THINK TWICE I WILL ALSO BE FILING COMPLAINTS WILL THE OTHER AGENCIES PROTECTING MY RIGHTS IE ATTORNEY GENERAL AND CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only h ave one nu mber that is legit and that is  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: REceived REPEATED calls min 3 dozen, Same thing everytime rols tovoice mail as I keep my cell on virbrate and rarely answer it as it rings. Then no message is ever left. Almost every time I call the number I get a busy signal when I DO get a human they hang up on me before ever telling me what the call is about. I can not look up what it is about online as I do not have a required reference number and I am informed I have to contact my original creditor to get the number. Kinda hard to contact a creditor as I have no clue whom the creditor might be let alone if its a valid debt. When googling online the phone number this seems to be typical behavior and possibility exists they do various online scams as well. 

If the company is SO incompetent they can even communicate what they are contacting me about I ask they cease and desist contact in the future because as it now stands all they are doing is harassing me like a former girlfriend who calls you over and over and hangs up when you pick up the phone.

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 06/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to a new company : Rushmore Loan Services in XXXX. This company has harrassed me every month for being " Late '' when I was still within the allowed grace period. Recently at their suggestion I tried to set up automatic payments - to happen right before the deadline, but they still sent me a statement saying I had not paid and that I should contact HUD for credit counseling. I feel they are harassing me to force me to pay by the due date, which I 'm sure they would prefer, but is not always possible for me, due to when I collect rents on this property. In using their online bill pay system something went wrong and the payment did not go. I am concerned that they have reported this to credit bureaus, even though it has been paid in full after I discovered the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We have currently applied for a loan modification  with SPS,  on  XXXX / XXXX /   2017  at  XXXX  is when our problem had first occured when the lender had asked for the home owners proof of occupancy as in a utility bill. ON  XXXX / XXXX / 2017  at  XXXX  we  sent over the document that was requested and also spoke to someone at SPS that advised us they have received our document and our account was now with the underwriting team pending further decision. Now on the same day eight minutes latter SPS call s our phone and ask for the same document they just told me they received and is being review? So we had sent it again with no complaint on the same day  XXXX / XXXX /   2017  at  XXXX . Now we let a couple days go by and we receive another call on  XXXX / XXXX / 2017  at  XXXX  requesting the same utility bill arguing we had never sent ir before so of course again it was sent into their office via fax. This same issue continued with them asking for this document and then saying it was not received on each and every single one of these dates  XXXX / XXXX / 2017   XXXX ,  XXXX / XXXX / 2017   XXXX /2017  XXXX ,  XXXX / XXXX / 2017   XXXX  until finally on  XXXX / XXXX / 2017   XXXX  SPS called in with a denial for the modification stating we failed to send in the required documentation needed and also stating they had no records of communicating with us or receiving anything that was needed to push this to the next step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 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 status incorrect

Complaint: I received a call stating  I may b e served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two pymt s of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with   XXXX   XXXX  . He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I made an small investment, around {$150.00}, into bitcoin through the wallet application know as Coinbase. I was allowed to add my bank no problem, be charged for my transaction but am constantly being refused ID verification, with an error message reading that I do n't have enough presence in public data. I have a valid ID, a Valid bank account with which i invested already but dont have enough presence to be given the same treatment as someone else verifying their ID. I would like to have free range on my investment and not be locked in to a system that only allows me to invest but not profit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. XXXX XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract, nor do I owe them any money.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a letter noting garnishment would begin on my defaulted loan, so I reached out to " Coast Professionals '' and tried to deal with it. For 3 months they kept rejecting mine and my husband 's pay stubs and they never allowed a time extension and began taking money out of my paycheck. They have been abusive via phone and have provided inaccurate information each time I contact them - quite literally the rules of the game change. 

I 'm now stuck having my wages garnished, and my son was paying them {$20.00} a month to get the loan out of default - they updated their " records '' today and decided my husband 's income combined with mine ( XXXX the income previously on record with them as we had been trying to scan his paystubs in but they said they were too dark and offered no other solutions - I mailed them a copy, scanned and emailed, faxed, and texted ) means my son needs to pay {$200.00} a month, XXXX the amount he 's already paying them. They 've provided no material information other than repeatedly mailing a bill to my address on file, even while we 've been working on this rehabilitation program. 

It 's worth noting that we began this process in XXXX 2016 - we did everything they asked of us, scanning, etc. repeatedly, and they told us they would adjust the date for garnishment to begin - XXXX XXXX rolls around and they began garnishing while I was still sending them information - which I had been extremely transparent about. When confronting senior management about this they said " Nothing we can do, get the pay stubs, pay it or the garnishment continues '' Horrific and unprofessional in every way. 

I am shocked and disgusted that my own government would give my federal tax dollars to fund contracts with companies that behave in such a predatory, misleading, and inhumane manner. We are paying them - they should be working WITH us to find a solution, not digging people deeper into a hole.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I agreed to retrieve my Experian credit report for {$1.00}, but was signed up without my knowledge for a membership costing {$21.00} per month, and I did n't know until I was charged this past week. I have tried to contact the company, but was put on hold for 30 minutes.

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 12-08-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This debt was sold to a collection agency that is not licensed in maryland and should not be reporting to my credit. I am a Maryland resident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   on  XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  XXXX   XXXX    XXXX   XXXX   )  XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  TRANS UNION I  WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Credit card) with CL HOLDINGS LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Jefferson Capital Systems LLC filed a law suit petition with a court within my jurisdiction in Texas. I not once received any notification from Jefferson Capital Systems LLC stating who they were, what they were collecting on or that I was being sued. I had never spoken to them or even had a debt with them. This debt I have now found out was purchased from the original creditor. Jefferson Capital Systems LLC never offered me the opportunity to work with the original creditor. They made numerous anonymous calls to my cell but never once left a voicemail or a call back number. I was able to trace their number to their company and assumed it was fraud since they do n't leave messages. I have been receiving calls from stating they are sending a warrant for my arrest and the numbers left behind are not traceable to a state office or legal office. I am now receiving numerous calls to my cell phone from various numbers claiming to be from a processor which I found out was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from LVNV Funding on my credit reports. I have repeatedly disputed this account with LVNV Funding and the credit bureaus. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that LVNV Funding provide verification of the following : XXXX. The original application or contract XXXX. Any and all statements allegedly related to this debt XXXX. Any and all signed receipts XXXX. Original date of default and collection activity dates XXXX. Whether you purchased the debt, and if so, the amount paid for the debt. 
XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that LVNV Funding cease all communication and collection activities until providing verification of this supposed debt.

Company response to consumer: Closed with explanation