milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I live at the XXXX XXXX with a one year lease. The apartment caught fire in XX/XX/XXXX/XX/XX/2013 due to faulty wiring. The complex moved people to cheap hotels around the area. I chose to move out shortly afterwards because of safety issues since the XXXX failed to provide an safe residential environment to residents as outlined in the lease. The XXXX has now hired a collection agency to have me pay {$3000.00} ( I am not sure what for ). The collection is on my credit report ( Hunter Warfield - XXXX XXXX XXXX XXXX, XXXX XXXX ). The address for the XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Was told by XXXX nothing they would do as it was to old. Never went to any XXXX in XXXX XXXX Fl. When I went to one in XXXX XXXX I gave them both my XXXX card as well as my additional XXXX medical insurance. They accepted both and this covered all expenses. According to my insurance company if they accept insurance they must accept payment that is customary and not bill for difference

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Pursuant to the last letter received from the credit bureau, they have failed to furnish the information used to ascertain the method used to report the account in question ( The Right to Report ). I have sent letters certified mail, and have received notification of their ( CRA ) receipt of disputes. I have received nothing but stall tactics, and accusation of frivolous disputes. Yet, my requests have not been honored which is my right under sections XXXX & XXXX. If in fact a bankruptcy has been dismissed, Is n't it unfair that such bankruptcy should be held against a consumer when the consumer did not go through with the bankruptcy? It automatically becomes public record when you file, I understand this. Why though, when the smoke has blown over and the bankruptcy is dismissed for non payment, change of heart, etc ... is the bankruptcy to remain public record? Its insane, and it hurts the general public to be able to exercise their right to in fact change their mind about such a big change to their lives if thats what they choose to do! This bankruptcy has kept me from obtaining credit, and has hurt me in many areas of my well being. It 's down right embarrassing, and unfair that it is held on reports and it is n't completely legitimate because it was dismissed. Section XXXX & XXXX grants me, the consumer the right to know what, and who is reporting on my credit, as well as names of people associated with investigations and the method of verification used to report this information. They have not complied, and I want to sue for willful non-compliance. Seeking all damages possible. I have attached letters i have sent to each Bureau. I however have not attached their responses or receipts of my sending letters certified mail as i do not have the ability at this time to scan and copy these documents to my computer.. But I do have them and will get it done when needed and expeditiously as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
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 Called into Chryslers cap back in XX/XX/XXXX to get an extension on my car loan. I went through the process with the rep over the phone ending the call believing my extension was granted. A few weeks later I received a letter stating my car was going to be repossessed because I was more than 30days past due. I brought the account current and call Chryslers to see what the issue was. I was told that my extension was denied, this was news to me as I never received a letter or call stating this. XX/XX/XXXX my mom as XXXX, I need to put her in XXXX credit was pulled and Chrysler reported me 30 days past due TWICE! I called and was given incorrect information including the wrong email address on file. They claim my daughter chatted my daughter doesnt have ANYTHING to do with the car payment PERIOD! My email is XXXXXXXXXXXX and XXXXXXXXXXXX. I receive emails from Chrysler all the time how could they have a XXXX XXXX XXXX is beyond me and is their error. When I called back in XX/XX/XXXX the rep ACKNOWLEDGE that I was given the improper information for the extension. I was also told that one of my calls didnt get captured! I never received an email now I understand why. I got off the phone believing I was okay. I paid my account current soon as I realized. I just didnt think how this would hurt my credit, and now my family. Chrysler is already charging me a 24 % interest on my loan now theyre continuing to hurt me even further by not capturing the correct information when their customers call in and need help. I will pay off this loan and I will never deal with this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I was promised  XXXX  bonus points once I made {$5000.00} in purchases within 90 days. I met that requirement. That is how the offer was mailed to me when I decided to apply for the card. I had even confirmed with the customer service representative on  three di fferent occassions : once when i activated my card, once I had made the purchases, and few weeks after the completion of required purchases.     I was assured that I would receive the  XXXX  bonus points with in 6-8 w eeks. I just inquired as to why I did not receive these points.     I am being told that I had a similar card bac k in 2012 that was cl osed and they can not provide another bonus.This is not how the offer was mailed nor were these conditions relayed to me at any time prior to or during when I made these purchases. This is false advertisement on  American Express a nd I believe that I would like a fair resolution for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (SC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: First National Collection Bureau, IncXXXX XXXX XXXX, Nevada XXXX-XXXXSettlement Offer 50 % in XXXX paymentsDirectTV settlement of {$320.00} in XXXX payments over 2 months starting on XXXX/XXXX/2015 ( 28 days ) for XXXX payments of {$160.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I submitted proper deferment documentation to ACS on  XXXX / XXXX /2017. Document was never processed and put in default status in error. ACS offered me a repurchase form in  XXXX /2017. Form was submitted  XXXX / XXXX /2017. Repurchase form is not processed to date. Many apologies for the error but no resolution.   XXXX   XXXX   is not willing to participate in a conference call with ACS to hear directly that this was an error on their end and ACS is not providing documentation of the error in order to pause recovery activity until the repurchase request is processed completely. Assistance is needed urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian, XXXX and XXXX are reporting a private loan from XXXX   account number XXXX though the timeframe for the creditor is obsolete. According to the guidelines for a private loan, if you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment. XXXX is reporting that late payment started in XXXX to fraudulent keep this obsolete creditor on my credit file. I have never paid anything on this loan there for a loan that was originated in XX/XX/XXXX according to XXXX should be obsolete as of XX/XX/XXXX. Experian claims they verified the loan, which I do not understand why an obsolete loan would require verification but since you Experian claimed XXXX verified, I requested on several occasions the Method of Verification for verified dispute ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have also requested the name, address and phone number of the original creditor for verification. I am also requesting again the original opening dates of accounts and the entire payment history associated with the accounts. Also, XXXX is reporting a fraudulent balance on the account of {$72000.00} off of a {$33000.00} original balance which that is excessive and not correct. Also, they are reporting an address that I have never heard of or have been associated with COUNTY ATTORNEY XXXX XXXX, CT XXXX, I want it 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
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About 2 years ago I received a notice from XXXX stating that I was past due on my cell phone bill for about {$680.00}. I contacted them and we went over every inch of my bill and they agreed that I did not owe the payment. Later on I received a bill from a collection agency stating that I owed XXXX the amount listed above. I contacted XXXX again and they said they would take care of it. About 2 months ago I have been receiving phone calls and statements from the same collection agency about the same charges. I do not owe this money and I have NEVER missed a payment. I am tired of all of the collection calls and notices. I want XXXX to fix this and guarantee not harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 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: XXXX company have multiple collections acont for the account from XXXX XXXX XXXX I Already pay the account and this company duplicate this account in my report and this affects Moro my credit

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 07/21/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Trouble during payment process

Complaint: bought house for XXXX fifth third bank bought loan in 2013 and with out any contact with me lowered value of home to XXXX but still had me paying higher payment for about ten months still wont change problem but keep telling me they will look into it

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: trans union has names thats not me on reports also open account from XXXX XXXX  date open shows XX/XX/XXXX is incorrect XXXX  has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX  OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX XXXX one is XXXX XXXX XXXX open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting

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 09-12-2017 about Mortgage (Other type of mortgage) with KEYCORP (NY).
Issue: Struggling to pay mortgage

Complaint: I received on XXXX/XXXX/XXXX a letter from XXXX XXXX, XXXX. of the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The letter is attached. In it are listed additional fees, including property inspections, valuations, " XXXX Membership Fees, '' which, if XXXX reviews this case over the last year, and the relevant actions of Key Bank and the XXXX, are unreasonable collection expenses, in violation of our loan agreement, but also are being assessed BEFORE foreclosure and before case mediation, in violation of NYS law, I believe, CPLR Sec. XXXX, but I might be confusing this section of law with another. Please see my complaint dated XXXX/XXXX/XXXX for the correct citation. This action also has the effect of destroying equity, in violation of XXXX 's prohibition against predatory servicing and how " equity stripping '' was viewed by the XXXX of XXXX of XXXX and is now viewed by the CFPB. 

I spoke with XXXX XXXX on XXXX/XXXX/XXXX, and she is researching Key Bank 's obligation to provide a named Key Bank employee with the authority to negotiate a workout, something that will be required of Key Bank in the foreclosure process. I want to be clear about this obligation, because I do not think I was clear with XXXX XXXX in our phone conversation. Only the president of a corporation - outside any specific delegation - has the authority to negotiate a contract for the corporation. I do n't think XXXX XXXX XXXX is planning on negotiating for Key Bank, so Key Bank must delegate that authority to someone, whether it be XXXX XXXX, who is the regulatory contact for the CFPB, or someone else. It CAN NOT be Key Bank 's attorney, which is what XXXX XXXX XXXX represented to me in our phone conversation of XXXX/XXXX/XXXX. Indeed, XXXX XXXX 's professional ethics would prevent her from acting as a principal ; she may only act as an advisor to Key Bank. I am still awaiting the identification of this employee at Key Bank and have been waiting now for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a Collection Agency Named Focus ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the third bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.

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 04/28/2017 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Sent a complaint through the CFPB regarding A D Astra Recovery Service. T he company stated in their response. That the first dispute that I sent out the collections accounts were removed. Upon pulling my credit report  XXXX . I found that to be incorrect. The Account is still showing on my  XXXX  report. The company has responded with false and incorrect information. The company also stated that they have a current bond in Texas. Upon looking a t the Secretary of Sate for Texas the company is NOT Bonded in Texas and can not le gally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: I have an account with Coinbase containing Bitcoins ( BTC ) currently valued at more than {$100000.00}. Despite a history of transfers of money between my Coinbase account and my bank account on numerous occasions, Coinbase suddenly and erroneously froze my Coinbase account without explanation more than one month ago. I am prevented from selling, buying, transferring or accessing my property and also cutoff from all transaction history and other information.

After repeated prompting via emails and phone calls, Coinbase advised me that I am locked out of my account as a result of a security software error on their end and that they would look into it. That was a month ago. My Coinbase support account will show email after email ( all initiated by me ) attempting to engage Coinbase in basic dialog during this time so that Coinbase might solve this technical error. Similarly, the support records will show numerous calls ( all initiated by me ) to Coinbases phone support. At no time has Coinbase proactively contacted me, followed up or provided any meaningful response or made any attempt to fix the errors in their system in order to provide me with access to my property. Each email and call results in the same thing -- a form response of " we will get back to you. '' Coinbase does not get back to you.

During my most recent call with Coinbase, I was advised that the department that can handle the required technical fix is also the department processing new customer accounts and is very backed up with its new business endeavors. This is obviously ludicrous on its face telling an existing customer that a minor technical issue that is cutting him off from his property can not be timely handled because Coinbase would like to increase its influx of new customers. Any broker or bank or other online service would have dealt with this issue within five minutes during the initial phone inquiry.

I believe Coinbase has engaged in fraud by knowingly marketing a service it knows it can not actually provide. Coinbase markets itself as an online wallet and vault in which to safely store and use your Bitcoins. However, as shown by my situation and hundreds and hundreds of similar complaints from other users, they do not have the actual ability at this point in time to provide their services at a basic, commercially reasonable level. And Coinbase knows this. Coinbase knows it does not have the infrastructure to timely and adequately meet customer needs. They do not have the necessary resources to address even the most basic customer inquiries or to address technical issues arising from their system. Yet Coinbase continues to bring in new customers, which will only exacerbate their inability to provide the services they are selling. As a result of their inability to provide the promised services, Coinbase effectively cuts off consumers form their rightful property and forces risk of loss and lost profits on the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OK).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Opened a card with XXXX in XXXX XXXX. Only one late payment due to a bank number error that caused the payment to get rejected. However, paid the late fee and made all payments on time. In XXXX XXXX they closed my acct with no warning. According to the card issuer, synchrony bank closed many accts even with good payment history if they pulled your credit and they didnt like what they saw. I dont think its right for them to close your acct when its in good standing and you have not asked for the bank to do so.

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 11/16/2016 about Debt collection (I do not know) with URS Holding, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've received numerous calls from United Recovery systems, XXXX about a debt that I am aware of. I 've expressly asked them to not phone my work telephone number, as my work does not allow these types of calls due to the business we conduct, and to contact me on my personal phone numbers. 

They call twice a day, if not more even after I 've requested they remove my work telephone from the system.

Company response to consumer: Closed