milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a small tax liability with the State of XXXX from XX/XX/XXXX for {$510.00}. I had moved to XXXX XX/XX/XXXX so did not receive any notification of this liability. The State subsequently filed a lien that was picked up by all 3 credit reporting agencies. I did not realize it existed until I purchased a car in XX/XX/XXXX. I immediately paid the debt that had grown to {$810.00} with penalties and fees. I contacted the State of XXXX and they agreed to cancel the lien from record because there was no real notification that the debt was ever owed. I sent this documentation to all three credit reporting agencies. XXXX and XXXX did an investigation and removed the lien from my file immediatly. Equifax , however refuses to remove the item. I have requested 3 times by certified mail the name and contact information from a person at the XXXX Department of Revenue that is stating this record still exists, but have received no response. I can only conclude they have done no investigation. I have contacted XXXX Department of Revenue to follow up and they tell me they can do nothing from their end if Equifax is still reporting it. 
I am XXXX years old and this is the ONLY derogatory item on my credit record. My State and Federal taxes are paid in full. I am in the mortgage industry as a profession and have to be licensed in every state I conduct business. There are states that will not give me a license because of this derogatory item. This affects my ability to earn more income and pay more taxes. Nobody wins in this situation and it baffles me that Equifax is so reluctant to report this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: On XX/XX/XXXX I sent a certified letter to TranUnion disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

On XX/XX/XXXX I reviewed my TransUnion credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to TransUnion again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

TransUnion received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that XXXX has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.

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 10-06-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: For months we have been given the run around with being double charged for student loans we paid off through XXXX. Navient calls daily with the same demand for us to pay student loans that have already been paid. ( FRUSTRATED ) On XX/XX/2016 I paid XXXX {$28000.00}. 
Navient has duplicated my student loans somehow. 
They have double charge me. Navient is showing XXXX separate accounts for me. 
We have paid these loans off. ( with the exception of roughly {$350.00} dollars ) Could you please help me as it is adversely effecting my credit score and causing my family and I an incredible amount of stress! We are trying to buy a home and these credit dings are preventing us. 
Please feel free to contact my wife or I. 
Thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Trouble during payment process

Complaint: Without notice, explanation, or legal authority, Caliber claims that I owe them more than {$2000.00} in escrow arrears. Any shortage is the direct result of Caliber 's failure to adequately prepare for the XXXX 2017 annual property tax bill. Now, due only to Caliber 's error, Caliber has unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My son has a private student loan that I co-signed on. This loan has been all over the country with different lenders. However when I spoke to a collector they gave me XXXX name that I tried to contact however, they no longer have the loan but it is in Navient system. I have contacted them several time and just found out that what is in their system is wrong and Navient owns the loan. On private loans there is a 12 month forbearance. However, do to illness and hours lost from work I requested a 2 month forbearance I pay {$900.00} a month but I am behind 1 month. I am trying to work with them however, I was hoping to get this forbearance to make life simpler and not so stressful. They stated they could n't. I know that my time is up but helping a loan borrow is always more helpful. 
This loan gets paid off next year. I am hoping you can help me in this situation. XXXX XXXX said to contact you in hopes that everyone could work something out. This a hard company to work with because everyone has a different story to tell me. I am hoping for a forbearance to bring the loan current

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (MD).
Issue: Managing the loan or lease

Complaint: Prosper Market Place INC sold account to another vendor, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: While trying to check my credit report with Equifax they asked me questions about a mortgage loan, a car loan, a bank card and a department store card that were taken out in my name, I have no knowledge of any of them because I 've never gotten any type of loan or bank card as it seems I was too young and some where done last year

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX XXXX failed to properly mail me the monthly invoice. This has happened in the past also. They have a hard rule : only one late fee waiver per length of loan ... even if it is their fault. I have attempted numerous times to speak with CSR 's and supervisors and continue to waste my time getting the same company response, I would venture to say ... that they can do or probably this intentionally to create yet another income stream or revenue source from poor unsuspecting customers ... just like XXXX did with the XXXX battery. My credit rating is important to me ... but more importantly is the way a company treats its customers ... go online and type in XXXX and see all the unhappy customers that have filed complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have sent letters and spoke over the phone with Experian Customer Service Reps. I have explained to them that XXXX of the addresses do not and have never belonged to me. I stated to Experian that they are the only credit bureau that is reporting these XXXX addresses that do n't belong to me.,

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 01/26/2018 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On Thursday XX/XX/XXXX I scheduled a payment on the XXXX XXXX, I received a notification that the payment was in process and received my email with confirmation that the payment was scheduled. It was not until XX/XX/XXXX that I went back to check on the app because the funds had not been deducted from my account that I realized there was no payments scheduled, I rescheduled my payment that day and received a confirmation email again but this time my confirmation email did n't come to me until XX/XX/XXXX. ( I have attached both emails received from XX/XX/XXXX and XX/XX/XXXX). The next day XX/XX/XXXX I received a notification from XXXX that my credit score had decreased XXXX points because they reported my payment 30 days late. I called to XXXX customer service number ( XXXX ) and spoke to 2 supervisors, the one that assisted me his name was XXXX he did not disclose his last name so I am not sure what that is. He researched and said that it was possibly a ghost payment? and that they could n't do anything about it. I have included screen shots from when I scheduled that payment and the confirmation emails I received. 
My payment is due on the XXXX of each month so this payment had been due XX/XX/XXXX the 30 days had not been met yet.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I reached out to my credit card company, Citibank, for an issue in regards to a service I received. The issue was around dental service, the service was done inefficiently. I have documentation to support I had to get the tooth retreated because of the improper treatment of the tooth. I contacted the bank to show I had to have the surgery to retreat the tooth and highlighted the issues. They informed me since it was 60 days after the issue I could not do anything. I think this is unjust, because this is a dental issue, 60 days is not efficient for this sort of issue. If this was a product, but a dental issue is a different thing. This is an issue, I am sure numerous people have issues similar, Citibank needs to better in addressing these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (I do not know) with Williams & Fudge, Inc (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX : I reviewed my credit report and saw a collection from XXXX XXXX. I do not owe this debt. This company never attempted to call me or write me a letter, so that I could dispute this debt. My contact information is the same. I am requesting that this debt of {$5200.00} be removed from my credit report from this company. I would have appreciated a letter or call, because my credit was impacted. Please remove this debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TN).
Issue: Other transaction problem

Complaint: On XXXX XXXX, I transferred {$4900.00} in BTC ( bitcoin ) from my secure wallet to my Coinbase Account. This transaction is still pending 9 days later and Coin Base will not reply to any support tickets I create concerning this problem. Additionally, when I click view transaction on Coin Base 's website, there is a message saying that the transaction hash can not be found. 

I would like a member of the Coin Base support staff to either correct this issue or contact me in order to have it corrected. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX account number XXXX for XXXX I called them billing at XXXX XXXX XXXX they dont have a billing for me but for some reason they are showing on my credit report of {$50.00} im asking this be removed from my credit and send the report to XXXXXXXXXXXX thank you 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 06/29/2017 about Debt collection (Medical debt) with EOS Holdings, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I called EOS CCA at XXXX, spoke to a XXXX. I advised that I had requested a copy of my free annual credit report and saw several accounts that were reported without my knowledge. she was able to locate my account ( s ), stated my rights and sated that it was a attempt to collect a debt, I said ok. Then she proceeded to tell me that I owed a total of XXXX dollars for account # XXXX, and if I wanted to payoff items today. I said no, I 'm unable to pay balance off in one payment. I could make payments on the account, she then asked what my address was, I stated it is XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and then I asked why did I never receive any letter or debt collection notice from them, she stated that she does show nothing was ever sent out by them but I should had received something from the original collector : XXXX XXXX hospital. FIVE years ago. so since they did not mail anything in advance if I made a full payment they would remove the accounts off my credit report, but if I make payments they would not be able to, there system does not allow them to. I asked to speak to a supervisor, she stated he was not in yet I could call back in two hours, I then told her this is not right, I was not provided anything in writing stating I would be reported, if I did I would had made a payment arraignment, she then stated this is your notice I have advised you today of your account and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX from Law office of XXXX XXXX XXXX called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the XXXX loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this XXXX loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: An account with " XXXX XXXX '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX judgements on my report that is not mine. They are on the Experian credit report and they are in name only without my social security number. These judgements are not mine and belong to another XXXX XXXX. My name is spelled XXXX XXXX, they do not even have the correct spelling. I have contacted a lawyer and he explained what they are doing which goes against the protection of consumers. I have attached the XXXX files.

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 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found a late payment on the date below : *XXXX  2015 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My credit limit was lowered by {$150.00} because the minimum payment for  XXXX  was not  paid on time. I have since paid it, and I 'll admit that it 's about two weeks late. However, I do n't think I should be penalized in this way because my payment was two weeks late. I have had this best buy card for 9 years and I have never gone over the limit or missed a payment. But, the continuously lower my credit limit, diminishing my credit score. This is not fair and it shows that the company has little interest in helping consumers strengthen their credit profile. What it does suggest is that the company is actively engaging in practices that minimize a consumer 's credit profile. As a result of this change, my debt to credit ratio will be impacted, further driving my credit score down. I have worked hard to pay my bills on time and despite how Best Buy is treating me I continue to patronize the company. But, this type of behavior is telling me business is not appreciated and maybe I should take it elsewhere.

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 10/21/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (AZ).
Issue: Managing, opening, or closing account

Complaint: Rushcard has taken my direct deposit paycheck and after talking to customer service today, they said it could be weeks or months before my funds will be available! In the mean time they are making millions off interest with other peoples money while it just sits in their bank. I want my money. They have my rent and groceries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I placed a dispute with equifax earlier in the year due to there is a second social security number on my credit report and tradelines that did not belong to me. I disputed the items, the dispute returned deletion of all information that did belong to me. as of me checking my report all information that was previously deleted from my file has been placed back on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Medical) with Merchants Credit Adjusters, Inc. (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have XXXX insurance. I have XXXX. did not pay the bill until a questionnaire was answered. Instead of waiting for questionnaire to be answered. Turned the bill over t a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient took the payoff for XXXX of my loans, promised me that it would be applied to the loan to pay it off in its entirety, and did not apply it to the loan for payoff. My payment was applied across all of my remaining loans, resulting in additional interest and terrible runaround with the company.

Company response to consumer: Closed with explanation