milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/2007, I bought a new house and contacted XXXX Security to install a security system. 

According to city ordinances in XXXX, NC, any new alarm system installed in a home is to be registered with the XXXX XXXX Police Department. 

XXXX subcontracted the job to a third party installer who never registered the system with the Police Department or notified me to do so. 

The house was robbed shortly thereafter and since the system was not registered, the police were never notified. 

I filed a complaint with XXXX Security for breach of contract and terminated my contract since they never fulfilled their duties under the agreement. 

Almost XXXX years later, XXXX has chosen to levy a fee of {$390.00} and turn the account over to a collection agency, Transworld Systems Inc., of XXXX XXXX XXXX, XXXX, PA, XXXX. 

This collection agency chose to contact me now, while I 'm in the process of obtaining a loan to buy a new house as a means of exerting pressure and collecting what is a fraudulent debt. 

I ask for the Consumer Financial Protection Bureau 's assistance with this matter so that I can preserve my good name and credit history. 

The account number being used by the collection agency is XXXX. 

Thank you sincerely for your assistance with this matter.

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. ().
Issue: Other service problem

Complaint: Coinbase will not validate my bank account in the XXXX so I can transfer money back to myself. I have transferred the required Euros, with all the correct references, to Coinbase 3 times and requested validation on a daily basis for months.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Fraud or scam

Complaint: . Under fake indentify card she got money via Western Union Bank in XXXX. Her name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The identfy card is fake confirmed by XXXX in XXXX. My case had been investigated by XXXX XXXX XXXX Senior Legal Analyst Western Union LLC, XXXX, REF XXXX. XXXX XXXX XXXX XXXX wasnt able to determined who was real receiver. As XXXX XXXX XXXX stated, the named payee presented identification and the transactions were paid correctly. Please help me and contact me by email XXXXXXXXXXXXMTCN XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXMy case number XXXX XXXX XXXX XXXX XXXX Fee Fraud SectionEconomic and Financial Crimes XXXX, XXXX XXXX : XXXX, + XXXX : XXXXEmail : XXXXXXXXXXXX : XXXX XXXXSpecialist Customer AdvocateOffice US : + ( XXXX ) XXXX ext. XXXXOffice Intl : + XXXX XXXX XXXX XXXX ext. XXXX : XXXXXXXXXXXX. XXXX is able to cofirm, that nobody recieved money in XXXX. We have difference of opinion between me and XXXX XXXX about money transmitance. I cant agree with such manner of money transmittance that it was absolutly enough to know MTCN and answer to questions, the other - name. surname, address, country is not important. I have sent money only to XXXX XXXX, and only to XXXX. Money took a strange payee, who was???? This person XXXX XXXX is not going to find out till now!!! Please help me and contact me. I look forward Your reply as soon as possible. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: On XXXX-XXXX-2017. Coinbase communicated to me via email to confirm new devices with IP address  from XXXX and XXXX, asking me to immediately disable the account in case you do not recognize these activities I live in XXXX, and so I followed their advice by disabling my account through a link sent to me by coinbase. The problem that now I can no longer access my account and I 'm worried about my deposited money, the support always responds with a robotic message. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For fraud and scam Thank you for this chance

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I took my niece to an XXXX when they came to visit in XX/XX/2014. I provided her insurance information but to my surprise, I got a collection letter stating that my insurance, XXXX, refused to cover the cost. I called XXXX and explained that XXXX would not pay because my niece was not covered under my military insurance. I supplied her insurance information AGAIN and thought it was all taken care of. A few weeks later, I started getting embarrassing calls from Transworld Systems Inc., basically accusing me of refusing to pay my debt ( a debt that 's clearly not mine ). At some point, I asked them to stop calling me, then they started mailing me collection letters. I have called them several times, provided my sister 's insurance info, she too has called them but for some XXXX reason, they refused to even listen to her, insisting I am the one that owes them. I have filed a complaint with XXXX credit reporting companies and to this day, the debt is still showing on my credit report. My sister called her insurance and they told her that because the medical center failed to do their due diligence and put in the paperwork, they could not pay the insurance, understandably so, since they chose to bill XXXX rather than the appropriate insurance company. The Medical Center had my insurance info on file because I had used them a few times in the past. I think it 's a bad practice to bill the wrong person/insurance and then refuse to correct their mistake. I am a service member, retiring soon from the military on XXXX, the last thing I want is to carry a bad debt and bad credit reporting into my unknown future, especially when the debt is not even mine. Please kindly assist in this matter. I need them to remove this debt from my credit report and completely remove it from XX/XX/2014 when they started reporting it. Thanks a lot for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX  Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Coaf Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX 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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX and again XXXX my identity was stolen. In XXXX XXXX XXXX started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a XXXX balance when stolen, the person ran up 1600+ worth of charges XXXX / XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent XXXX police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called XXXX and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome

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 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my collections account thru XXXX. They sent requests to all 3 credit bureaus. All but one took it off my report. Transunion still has it on my report. What can I do? I care about my credit report. 
Thanks so much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Application, originator, mortgage broker

Complaint: I have a loan with NationStar Bank. I have requested a pay off amount for my loan for a refinance on XXXX/XXXX/2016. I was promised a 24-48 hours processing time. After 48 hours I have not received the pay off yet so I called them and they send it to me for the wrong date. I called them again and they are telling me it will be another three days. The people speak with a heavy accent are hard to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX XXXX, The firSt one is XXXX XXXX {$400.00}, I have notifications from Equifax showing this was paid and removed. I 've disputed with XXXX XXXX and XXXX. Equifax removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all XXXX reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is XXXX XXXX XXXX, XXXX.. This was a XXXX XXXX account. Back in 2012 it was added to my reports but with inaccurate information the amount being XXXX.. I disputed it was removed. SUDDENLY in XX/XX/XXXX out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final .. XXXX XXXX. I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent Equifax proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns. Equifax and XXXX XXXX removed the account from my report. XXXX has not. Equifax has not removed the address associated as they said they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Consumer Loan (Installment loan) with Circleback Lending, Inc.(Closed) (CA).
Issue: Managing the loan or lease

Complaint: My problem with Circle bank lending is with the discouragement of making extra payments on your loan. They charge a XXXX Special payment fee for anything other an EFT. There website does not provide any ability to make an extra payment. In addition they do not report accurate information to the credit bureaus I have had my loan for 1 year and according to my XXXX credit report I have only paid 3 months ( no lates ) -

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX ( {$390.00} ) and Acct # XXXX ( {$190.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Complete Collection Services Inc. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX-XX/XX/XXXX, my XXXX daughter, XXXX XXXX, had XXXX at XXXX XXXX hospital. She had XXXX  XXXX, but they did not have a specialist available to do her XXXX. Prior to the XXXX, I confirmed that XXXX would cover the costs with the doctor. After the XXXX, we began receiving bills from XXXX XXXX. Apparently, the doctor and hospital room costs were covered, but not the XXXX ( whatever that was for ).  Under the law, you have to tell patients what is not covered prior toXXXX and they have to agree to pay it. This did not happen. Instead, this account has been report to Complete Collection Service, XXXX. XXXX XXXX, XXXX, VA XXXX. The collection agency has reported this account to the credit bureaus. I disputed the account, but XXXX has decided that it was reported correctly. I am not responsible for this account because the XXXX did not disclose any charges prior to providing services. This is predatory billing practices. The account numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AL).
Issue: Fraud or scam

Complaint: I purchased {$660.00} of Buy coin on XX/XX/XXXX. On XX/XX/XXXX they canceled my order. As of XX/XX/XXXX I have not received any bit coins or my money back. 

I can not get anyone to respond via phone, email or any of the 3 social media accounts owned by bitcoin. Because of this I am treating this as a fraudulent case, I feel I have been stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Sterling Info Systems and XXXX XXXX have classified me as a Tier 3 on a non conviction when my employer, XXXX XXXX XXXX paid for my background check. This same issue arose in 2013 when I applied at XXXX XXXX. I later was hired after I disputed the wrongful block and adverse action after being hired prior to XXXX involvement.

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 04/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have noticed there are XXXX new accounts reported from XXXX/XXXX/2016 ; XXXX XXXX, XXXX, and XXXX. If there are more than one credit card issued to me from each of these companies, then someone has stolen my identity. If there are only one account for each of these companies, these accounts have been opened and already reported for over 12 months, maybe even 18 months. Reporting them as new looks like I have applied for credit- which I have not done in over one year.

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 01/17/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I deposited {$15000.00} and was told I would get {$400.00} in interest. The bank, instead, and without disclosure, subtracted fees. They have not credited my account with {$400.00} and they refuse to return my 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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarFinance Capital LLC (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX   '', " Carfinance Capital L '', and " XXXX 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 09/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I took out a significant amount of student loan debt to attend XXXX XXXX ( XXXX ). One year after starting my XXXX XXXX, I applied for income-based repayment in anticipation of completing ten years in public service to qualify for the PSLF program. I started my payments in XXXX XXXX. I submitted employment certification forms in XXXX XXXX. Only my last two loans for XXXX XXXX qualified. And each of those two loans only had a 14 months and 5 months of my XXXX  payments counting towards the total, whereas it should be 24 months ( since I paid IBR for 24 months during my residency ). Therefore I called FedLoan to check on what was going on. 

I talked to one person this morning, who told me that only the two loans from my last year of XXXX XXXX qualified. He told me that I needed to consolidate my previous loans for them to qualify for PSLF. So he transferred me to a different department, who then told me that once I consolidated, all of my previous five years of payments could not count at all and that the countdown would restart at ten years. 

Needless to say, I was quite irate. I had been told by multiple parties that I should NOT consolidate because it would disqualify me from PSLF and the protections afforded from it. FedLoan took over the majority of my loans when the recession started in XXXX, so I ( wrongly apparently ) assumed that the loans were all under the same roof, so to speak. The entire process of PSLF has been very vague and cumbersome. 

This is not working. And I feel as if I am being screwed over. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been the victim of identity fraud and have noticed that there is a collection account that appears on my credit file listed as XXXX. I have disputed the information several times and had it removed previously. The company in question can not send me any verification to prove that the account belongs to me. please have this account removed from my file as it is ruining my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans has filed a Notice Motion And Motion For Relief From Automatic Stay Under 11 U.S.C. 362 with supporting declarations XXXX XXXX. Movant : XXXX Bank Trust XXXX. for XXXX Master Participation Trust BY Caliber Home Loans , Inc., as its attorney in factThis action is based on XXXX months non payment which is in error.

Company response to consumer: Closed with explanation