milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I placed an order for currency on XX/XX/XXXX, was charged, but the currency was never delivered. Case number XXXX. 

I am being told over the phone " it is being escalated '' and " they have to respond to the case '' but it has been nearly a month with no reply, and no way to contact " them. '' I do not want to dispute this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with Forster, Garbus and Garbus (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. located at : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX : XXXX has illegally put a hold ( writ ) on my savings and checking account. On XXXX XXXX, XXXX I made a {$15.00} purchase at a store and was told it was denied. I had plenty of money in my accounts, however after calling my credit union I was told there was a writ on my accounts, Everything was on hold and I could not access any money. 

I was told to call the law office above and did so. They claim I had a bill that was not paid nor had payments arrangements. Docket number is XXXX XXXX New Jersey XXXX. THe hold included my social security benefits, salary and all income. They ordered me to send 3 months statements to prove social security payments etc, which I immediately sent. I also informed them that I WAS on a payment plan for that account since XXXX and had to send them documents to prove that ( which I also did and are included here ). 

XXXX XXXX XXXX of the firm was somewhat helpful but her supervisor, XXXX was not. After realizing a mistake was made on their end, I asked for an immediate request to have my bank re-institute my account and remove the hold. THis was on a Friday afternoon. XXXX told me specifically " well it may be a priority of yours but it 's really not a priority of anyone else ''. I demanded a call back on Monday with a status. That never happened. In fact I have called him at least twice a day, along with legal attorney with me and he refuses to take my calls or to return the call. I called XXXX again and she said she " thought '' it was taken care of but not totally sure or how long it would take to fix it. 

I visited my credit union with documents to show I was not in non-compliance however they said they need a court document to remove the " writ '' hold. In the meantime I had to cancel a weekend trip due to not being able to get any money out of my account XXXX no gas for my car and no funds XXXX. I have had two automatic payment withdrawls from bill pays rejected, thus I will be charged {$25.00} for each of those returns. Without knowing when this hold will be released I run the risk of more charges that are not my fault. I have no other income in my household so this is a major major problem. 

The poor record keeping, harassing calls from this firm is unexcusable. They did not do their due diligence to ensure this was accurate before ensuing court charges and this writ. I am being damaged both financially and personally. Upon research, this company has repeated problems such as this. I need it fixed asap and payment for my damages which total {$500.00} XXXX cancelled weekend trip, fees on my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted transunion multiple times about inquiries that are on my report that are fraudulent and I even sent in police report from my purse being stolen and an ftc report and still they will not remove them and all other credit bureaus has remove the inquiries from their database

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
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: Hello, I leased a XX/XX/XXXX XXXX XXXX from Ally financial in XXXX XXXX, CA from the XXXX XXXX dealership. I want to file a formal complaint because when my lease term ended and I returned the car in XX/XX/XXXX at the XXXX XXXX dealership ( because I move in XX/XX/XXXX to XXXX, CA ) I was charged months later for wear and tear fees but not properly notified of these charges. Due to their lack of communication to me, the amount didnt get paid until I saw it on my credit report. Now my credit is being penalized for their mistake. Ive been asked every time I call Ally what my new address is and every time they tell me they are going to update it they do not. In fact, I called them today and they still had not changed my address and Ive had to reiterate it on every phone call. Because Ally did not update my address ( even though I gave it to them many times ) or my phone number ( gave them that too ) they sent the bill to my old address and it went to collections. This is not my fault, and I paid the amount even without seeing the bill because I finally knew about the charges. Sadly that was after seeing my credit score drop 150 points. In my case, I did what I was supposed to and I did all I could to be a responsible leasee. I returned the car on time, I gave my updated information countless times and I called in to check the status of my lease return ( they said everything looked good ). I paid my lease on time every month for the three year contract with out missing any payments and I certainly wouldnt let all that hard work go to waste for a {$220.00} wear and tear fee.

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 12/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: letter(attached below)from Equifax shows that Case or ID#-XXXX was deleted
from the credit file.Item has reappeared on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XXXX, Transunion and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: TransUnion will not provide me their method of investigation regarding an inaccurate bankruptcy XXXX on my credit report. Transunion rep XXXX XXXX stationed in XXXX continue to state to me that the vendor that reported the information has certified to Transunion that information is accurate. This is the response i was given on XX/XX/2018 when i contacted Transunion for support documents and contact/address information regarding validation of dispute as Transunion states under CFPB complaint # XXXX that they mailed a letter to the court house themselves and the court house, not a third party vendor provided verification of bankruptcy. This is contradicting as XXXX XXXX stated to me that a third party vendor verified accurately. I asked for method of verification once again and was told that Transunion does not provide this information. I asked again for supporting documents verifying information and once again was told there was none and would not provide me with third party information.Under federal law, any innacurrate or incomplete information must be deleted. I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have as they have not received a letter and if they did they would respond that they do not provide information to CRAs. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court is. Furthermore, Transunion continues to refuse me the third party information that they used to verify information on my report. I want this bankruptcy deleted as soon as possible. As the consumer I am entitled, under FCRA 611 ( a ) ( 7 ) to a description of the procedure used by the CRA, which must include the name, address, and phone number of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Social Security is making a false report to the credit bureau that we owe them money and that we have n't paid according to the agreement. We had no agreement and do n't owe them anything. The credit bureau wont remove this negative info and were stuck in an endless loop of nobody will protect us from this extortion by the Government Social Security division. Extortion is exactly what it is, you pay or else and nobody can check our hand.

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 03-01-2017 about Credit reporting () with U.S. BANCORP (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account does not belong to me I have disputed this account ELAN FINANCIAL with the credit report company I have inform them that this is a fraud account. The credit report still reporting this account on my credit report they will not remove this item I have also inform ELAN FINANCIAL and they are not willing to provide with with any legal documentation with my proof of signature nor proof of DRIVER 'S LICENSE OR STATE ID please help me with this account again this account does not 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 05-06-2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX I submitted a compliant with case # XXXX through the XXXX and ARS removed the delinquent account from my credit reports because they were unable to provide any original documents with my signatures on it. Now a year later they went ahead and put the information on my credit again, without providing any of the original information I requested or any new information. Gain I submitted a letter requesting copies if original documents showing I indeed owe this amount. I sent this letter certified mail, which they received XX/XX/XXXX. ARS has never communicated with any of the information i requested. Furthermore, ARS has put this collection on my credit reports before even sending out any letter to me to allow me to dispute the debt. The only reason I know of the debt is because i check my credit reports monthly. ARS violates the law and continues to get away with it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: MY ACCOUNT WAS BLOCK FOR USING THE WRONG ACCOUNT FOR MY CREDIT CARD FOR CAPITAL ONE NA I HAVE TRY TO WORK WITH THIS COMPANY SEVERAL TIMES DOING WHAT THEY HAVE ASK ME TO DO AND TO CALL THE OTHER BANK WITH THEM ON THE LINE AND EVERY SPECIALIST AND EVERY TIME I HAVE TRY TO MAKE PAYMENTS ON THE ACCOUNT CAPITAL ONE HAS REFUSE MY ACCOUNT. AND NOW HAS MY ACCOUNT OVER THE LIMITED.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, Seterus, Inc has not been able to explain material mis-calculations on my pay-off statement. Most recently, it refused me access to my account information such us the form XXXX. A representative of Seterus ( XXXX ) refused to talk to me and asked me to communicate to my lawyer when there has always been an authorization on file for me to speak with the representatives directly. I asked for the manager ( XXXX ) who XXXX also refused. Seterus, Inc has had a long track record of making errors, for example, my loan modification process was delayed by more than six months because of its internal process error. When I questioned the manager, he threatened me with not giving me the modification. This is a very bad loan servicer who does not care about the XXXX of money they are entrusted by the home owners. Seterus, Inc can easily cost a homeowner XXXX of dollars if it is not watched very carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Prepaid card (Payroll card) with NETSPEND CORPORATION (NC).
Issue: Advertising, marketing or disclosures

Complaint: Net Spend sent me a card for which I did not apply. This is an actual chipped card, with embossed numbers, and my name on the front. I was under the impression that this practice was illegal, as it made the recipients of these cards easy targets for identity theft. I have never had any contact with Net Spend, and until about  XXXX  minutes ago, when I opened some mail, was completely unaware of their existence. I am appalled that any company would be so reckless. It is negligent on their part to send out a card, to my home, that could so easily be activated by someone other than myself. Their business model is predatory and unethical. They charge consumers a ridiculous amount of fees for using their own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report a account that is not mine to the credit reporting agencies. I have disputed this and asked for proof this belongs to me and they will not provide me proof. This is not my account and I actually have a current time warner account which is not the account number this creditor is trying to collect on. I do not know who this account belongs to and this needs to be removed. I can provide my current time warner account bill if needed which is in no way associated with this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have attempted through disputes, on several occasions to get Equifax to remove tax liens from my credit history. I have supplied them with actual notices and copies of recorded documents indicating lien withdrawal from the Federal IRS for the liens in question. The courthouses in question do not have a category for Tax Lien withdrawal, so they file them as " lien releases '' which is not an accurate categorization. Equifax has done only half of an investigation into this issue by looking only at the title of categorization listed online, rather than actually opening the documents and verifying them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has not properly notified the credit bureau that my account from 2012 has been satisfied even though I have a confirmation letter from them and have attempted to resolve this multiple times. I am in the process of a refi on another home and this is an issue.

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 10/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted multiple disputes through the credit reporting agency and associated with unauthorized inquiries reporting on my credit report. I have been advised that the only way to have the fraudulent inquiries removed. I was advised that my only option was to contact the parties directly and request that THEY remove the inquiries. I contacted each of them and and was advised that they would need all of my confidential information ( name, SSN, DOB, address ) to 'research ' the reporting. While I was comfortable with providing my name and address - given my documented ( with the credit report ) history of identity fraud, I was unwilling to provide further details of my identity that would leave me once again vulnerable to identity theft. 

Equifax continuously refuses to correctly report information and further victimizes me by failing to remove the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME XXXX CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: A credit of nearly {$200.00} exists on my credit card. Consequently a refund has been requested. XXXX id # XXXX was asked to send the refund to the same address, the only address, they have on file which is the address where they send my billing statement. The employee refused to send my refund although she had my account available with my address in plain view. 
Verbalizing my address in public is unreasonable especially when the employee has it in plain view. 
I was told that Capital One would not send me my money. 
This seems to be an excuse to hold onto money that doesnt belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (Other debt) with VIRTUOSO SOURCING GROUP, LLC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a collection letter from the company Virtuoso back on XXXX XXXX XXXX regarding a charge from XXXX. I sent a certified letter on XXXX XXXX XXXX XXXX and also the collection agency. As of today I have never heard from XXXX or the collection agency regarding my dispute letter. Today XXXX XXXX I receive a new collection letter from the company XXXX telling me that XXXX has now turn my account over to them. I contacted XXXX today regarding this letter and they told me they never received my dispute nor anything from the collection agency saying I was disputing it. I have the signed certified receipts showing that both companies receive them. Is n't it a law that the company and the collection agency have to reply to a dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I called Equifax twice and went through a long validation process to unfreeze my account. I also enrolled in XXXX XXXX that shows my account is still frozen. I am not able to apply for credit when it's still frozen against my wishes. This 2nd time I called equifax, I told them to unfreeze my account until XX/XX/2018 and it has not even been unfrozen. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I got this car in XXXX or XXXX I was told that my car payments was XXXX XXXX dollars a month. According to the paper that I signed and what is stated on my credit report I was paying to much. The charge off amount on my credit report is incorrect.

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