milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It was brought to my attention that my credit report contains items went into collections that I did not know about when I applied for a credit card with my bank. The credit report was obtained from Transunion and I have subsequently obtained a copy from them. The credit report that matches my SIN turned out had a lot of mix-ups including : - name : the name does not match- address : address does not match. All the address in the history is in XXXX and I have never lived there. 
- employment history : none of the employment history is mine- items went into collections : not mine- credit card : not all of the credit card history is mineI phoned and disputed with Transunion and did not receive any confirmation. Here are the few things I want : - correct my credit report and credit score. I was denied credit because of this mix-up. 
- explain how the mix-up happened- take actions as a company to improve processes so no one else need to go through this again and we consumers can trust that credit information is protected.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit file.

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX:  XXXX:   EXPERIAN The heck is going on. I’ve contacted you guys time and time again since XX/XX/2017. You’ve removed the fraudulent accounts but I don’t know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and I’m only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that I’m unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I don’t want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and I’ve asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.

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 03/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: My father had credit monitoring with Equifax and the monthly charge came out of our joint bank account. He passed away in XXXX. In XXXX, I called Equifax , told them he had died, and asked them to cancel his account. They told me they could n't talk to me and that he would have to cancel the service. I explained that, being dead, he really was n't going to be able to do that and they refused to cancel the service. I contacted my bank to try to stop the charges, but as of yesterday, they have charged the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I called Wells Fargo Bank customer service yesterday to request information about my personal line of credit ending in XXXX but I noticed that I have an OVERLIMIT amount due now for XXXX so they do n't allow me to pay less than XXXX This Included XXXX OVERLIMIT plus XXXX of minimum payment which gives a total of XXXX. This called " over limit '' is unfair, abusive practice that this bank usually use in most of their accounts. the names they use for this practice are : called OVERLIMIT Amount or OVERDRAFT. Also, I tried to complain about this issue, but they did n't leave me do it, claiming that this are part of their " normal banking policies. '' For this reason, I am writing this complaint against wells Fargo Bank because they must stop this illegal practice and I request to cancel this unfair charge, so I could proceed to pay the amount of XXXX due
on XX/XX/XXXX, 2017.
Thank you for your attention Sincerely, 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 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: Transferred XXXX LiteCoins into my GDAX.com account from a external site. XXXX received the money on their sister site ( XXXX ). Coinbase shows as having received these XXXX Litecoins. Coinbase then automatically forwarded these funds into my XXXX account. These transfers are instantaneous and free. Coinbase confirmed receiving the funds, and confirmed sending the funds to my XXXX account. 

My XXXX account never received the funds. They never even showed up as a pending or complete transfer in XXXX. Somewhere between coinbase and XXXX, they simply disappeared. I called XXXX the same day. Was told by the customer service rep that I was n't the first person calling about this today. As of right now, coinbase/XXXX are holding approximately {$11000.00} worth of virtual currency XXXX. It 's now been 4 days. I have no correspondence from them since my first email and call. My trouble ticket or case number is # XXXX. 

Please help me to recover my funds that they lost!

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with Midwest Recovery Systems (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was looking on my credit report and found out that a collection agency, Midwest recovery LLc put a collection on my credit report. I have no knowledge of this account and of the creditor XXXX. I would like this collection removed off of my credit report. I have received no information, documents, etc in regards to this loan. This I know is against the FDCPA and recording false infromation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: Opened an Amex card with XXXX points and verified my eligibility in XXXX 2015. In XXXX and called and they said I did not qualify so opened a complaint. In XXXX the complaint was denied and called to cancel the card and the representative said that is not right to open a new complaint. On XXXX XXXX called on the new complaint and the representative told me I would get the XXXX points in XXXX, so give them the month to resolve. Called on XXXX XXXX and another representative said I did not qualify and ca n't vouch for what the the other employee said even though I had the time and his ID number So I was mislead twice on the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Payday loan debt) with GMA Investments, LLC (NV).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: on  XXXX / XXXX /   2017  i was contacted at  XXXX   XXXX . They also call from a private number as well

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with Roquemore Holdings LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a voicemail today from a XXXX XXXX, who said she was calling from a firm XXXX and XXXX out of XXXX, TX. She called from XXXX trying to reach my husband XXXX XXXX. Her message stated : " I 'm reaching out to a family member regarding an insurance claim in my office involving a ... .a family member, uh, that has recently passed. If you could please, give me a call back directly at XXXX or toll free at XXXX. Thank you. '' I do not know what this is in reference to, nor do I plan to call back. I am appalled that someone would call and say that a family member has passed to get me to call back! 

The best I can find is that the company is XXXX. Reviewing feedback as best I can online ( which may or may be trusted ) says that this is a debt collection agency, they will do whatever they can for you to call back ( must be their effective methodology as touted on their website ), and that it has to do with a vehicle that may be potentially repossessed. We have no such vehicle, as we are current on both car loans. We have paid off our vehicles in the past, and had clear titles before trading them in. I 'm not sure who or what they need, but I will not be calling them back. 

Again, I am appalled that their methodology includes telling someone they are calling in regards to a family member who has passed away. My dad passed away recently, and it 's not a matter to be taken lightly. Just another example of how we ca n't trust those who call us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I have 2 loans with Conn 's. They start your loan out with no interest loans and then they switch your payment amount in order to earn more interest. I was told 3 different amounts today on 3 different phone calls. They tell you you have a 10 grace period before late fees begin. Today I received an email telling me tomorrow I will incur late fees at 7 days! When you call to make a payment, they will tell you a different amount to prolong your loan. They have many complaints on the internet regarding shady practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with Niagara Capital Recovery LLC (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Niagara capital recovery call this morning refused to identify the nature of call or address of company tell intimate information was given stated that I was not given out my social to them and was immediately told he couldn't disclose information with out verification of who I was. That he only need the last four. So I  gave him it to figure out what the calls were all about he then told me I was being sued and needed to contact the local police station that the carrier will be at my home address or place of business within 48 Hr s I then asked him to verify him and also stated that I was also recording the phone call he then begin  to get hostile and said I don't need to verify myself I told you I'm XXXX XXXX with Niagara capital recovery and that he had all of my information that if he wanted he could get alot more money then  {$150.00} I asked him if that was a threat he laugh I then told him I didn't trust him or his company and that there is so many scammers and scams going on he then said I'm try to help you all we need is a payment arrangement linked to your bank account I said no then he proceeded to scream at me and I hung up.

Company response to consumer: Untimely response
Consumer complaint received 06-01-2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: LVNV Funding/Resurgent scheduled a judgement hearing without my knowledge. Additionally have sent it to XXXX different attorneys in XXXX different states. I found out about the judgement through an attorney advertisement stating a judgement has been filed against me. I have asked LVNV to verify/validate this so called debt I owe under the FCRA Laws and LVNV is unable to rightfully validate/verify what this so called amount I owe. Their false reporting and filing of judgements has caused severe hardships for myself and my family. I have asked them to remove from the credit reporting agencies since XXXX XXXX, 2014. They repeatedly send the same nonsense paperwork stating this has been properly validated. They admitted to sending the judgement to a wrong address they had as my address. This is not my debt I have never lived at the address they say. This company should be reported and stopped from harming the United States public. additionally ruining lives and harming families. Also LVNV is in violation as re-aging the account. Not reporting the accounts to the CA 's each CA report shows the account as different types, dates, amounts etc.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is still a number of fraudulent accounts on my experian. These accounts in question has not been validated. I reached out to the companies to send me a signed documentation with my signature on the application and its been over 30 days and have not gotten a response. I know for a fact that Experian has not verified any of these accounts accordingly. XXXX is not a proper way of verifying fraudulent accounts. These accounts should not be on my credit report unless given permission. Under the XXXX Law Dictionary VERIFY means : To confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. The word " verify '' sometimes means to confirm and substantiate by oath, and some- times by argument. <P/>XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX are all fraudulent accounts and have not been verified nor validated. No consumer should have to endure such a horrific situation. These accounts was removed and put back on my credit report without the proper method of verification or the proper validation request I sent to each company. Remove immediately!

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 11-11-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (MO).
Issue: Deposits and withdrawals

Complaint: I 've had a number of problems with my Scottrade Bank account from funds taking way to long to transfer to not receiving a debit card or checks for weeks. I brought this up with my branch manager and he said those issues are dealt with via the XXXX XXXX. Well I called the XXXX XXXX and as expected was transferred several times, told to wait a few days for a response, and then nothing. 

At this point I asked Scottrade Bank to provide me with a copy of the Arbitration Agreement for my account. Scottrade Bank refused and continues to refuse to do this.

Company response to consumer: Closed
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is to re-open a previously submitted claim through CFPB regarding a dispute between myself and Citibank. The reason I am forced to file a new claim is because CFPB has marked the case ( XXXX ) closed without allowing me to respond or rebut Citibank 's response. 

In that claim, I stated a payment was made on XX/XX/XXXX in the amount of {$990.00}, which was the only payment I was referring to in my last CFPB complaint ( dispute with Citibank ). I was assured my account number was accurate and was legitimately able to make relevant payments. I first went on this assumption. I then waited 4 days to check with Citibank to make sure the payment went through properly, as I 've become aware ACH payments will not be approved/transferred in one or two days. 

OnXX/XX/XXXX, I contacted Citibank via their chat service available on their main website through my account. As I mentioned in my last submission, the main reason for opening that particular chat session was to check on that specific payment I submitted on XX/XX/XXXX. That was also the main reason for my submitting my last complaint about Citibank through CFPB, and Citibank conveniently ignored that aspect in their response ( which I will attach to this complaint when prompted to upload additional documents ). 

I was told very clearly that Citibank had received my payment, had accepted the payment, and that Citibank has been paid by me ( XXXX XXXX ). I will also attach that online chat session ( again ) with XXXX, the agent or representative assisting me in that particular chat session. 

I am again demanding the said amount I was assured had been paid to Citibank onXX/XX/XXXX per the said chat session with a Citibank agent or representative be honored as a payment, or for Citibank to admit they lied to me with such assurance.

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 07/27/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never bought anything. I never opened an account with that bank. This people been calling me .and tell me a few years ago from where this debt is. But I never make those purchases in those places theytold me. This debt is been bother me in my record. My credit score is not good because of this debt. I want to resolve this and move from my record. Please help me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call at least 11 times daily. calls are from around the country, but they leave exact same messages. So I know it is the same company. It is Receivable Solutions, XXXX. The collection is for medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: XX/XX/2016 my husband was involved in a red-light accident, through no fault of his own, in which the vehicle was totaled. This vehicle was leased with Capital One Auto Loan division. The insurance company paid fair market value to Capital One, leaving us with a {$2500.00} balance. We did not receive any information from Capital One and found that our online account had been closed. We contacted the bank and found that we have about 120 days to pay the remaining balance. I explained to the agent that this was not possible as this would raise our monthly payment to over $ XXXX/month, double the amount than our normal monthly payment, and that this would be a financial hardship for us. I asked for an extension, and was told that none is available and that once the time-frame runs out, the account would be reported to the credit bureau as a charge off. 

This is completely unfair. My husband was at a red light, and a teenager texting and driving slammed into our vehicle. My husband has sustained serious injuries and is frequently out of work due to the injuries. We have a young child in day care, and have our normal monthly bills to still take care of. I asked for a XXXX to call me back to see what could be done, and I have not been called back as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX   XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account 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