milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a short sale due to financial difficulties back in XXXX 2015. XXXX XXXX XXXX XXXX was the first trust lender. IT was agreed upon that for the short sale to be approved, that settlement was to happen no later than XX/XX/15. ( actual settlement was XX/XX/15 ). The proceeds to be received by XXXX XXXX  from the sale must be greater than or equal to {$340000.00} ( which they received ) and a cash contribution on my behalf for {$6000.00} in certified funds ( which they received ). I have a signed letter from XXXX XXXX Mortgage loss prevention supervisor to reflect this and also a HUD 1 settlement sheet. I had my credit pulled this month and to my surprise a collection from XXXX XXXX showed up on my report in the amount of {$54000.00}! I have called numerous times and have been transferred to other departments. I had left messages with no avail. I need your help to have this updated and removed. Is n't a short sale taking less than what is owed? No they want me to pay them back over and above to what was agreed. This is predatory in it 's best nature. Thank you,

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 12-05-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I have an account with Coinbase and have XXXX Bitcoin in my wallet ( {$2300.00} approx ). On XX/XX/XXXX, XXXX Litecoins ( {$3500.00} USD ) were purchased without my knowledge or authorization. 

I contacted Coinbase customer support and they opened a case ( # XXXX ). They told me to change my password and then temporarily disabled my account so I have not been able to access my funds or verify the {$3500.00} purchase. The funds have been debited from my bank account. 

On XX/XX/XXXX, customer support sent an email -- they determined the purchase was made on my mobile device. Since, I 've removed the Coinbase app from my mobile device and changed all passwords. 

On XX/XX/XXXX I contacted customer support to unlock my account but they said it required an " analyst '' but had not been assigned yet. ( This does n't make sense since they determined the purchase was made on my mobile device and they had the IP address. ) To date, I 've received no communications ( phone or email ). I do not have access to my funds which now exceed {$7000.00}. I try to contact customer support but the wait time is over 30 minutes. Most times the line is cut after getting a customer support person on the line. 

I 'm very concerned that the price of Bitcoin and Litecoin may drop suddenly given the volatility and would like to cash out ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ally/ National are calling me 4 times or more a day even on Sunday and Saturday from the moment I am 1 day behind and continue even after i make a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Charged fees or interest you didn't expect

Complaint: Back in XXXX I applied for and received a loan from Lendmark Financial located in XXXX Maryland in the amount of {$6500.00}. As of today, XXXX, I am still owe over {$7000.00}. All of my payments that have been made are being applied to the interest only. I do not believe that is fair business practice to consumers and I believe that it is up to our elected officials to stop this unfair business practice and put a stop to lenders who out to only steal from hard-working consumers. It is really hard today with extremely high cost for just about everything. I have reached out to Lendmark to make a settlement offer but they refuse to accept a lower amount. I want to take them to court and start a class-action suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (I do not know) with Premier Portfolio Group (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I receive, at minimum, 2 to 3 calls from this company on a DAILY basis. This has been on-going since 2015. The calls always come from a different number each time, but they leave a pre-recorded message on my voicemail. The voicemail always states that I need to call them back immediately to discuss a " bad check '' that was " passed through their office ''. The only checks I write are to my rental office for my rent each month and to my child 's school for various field trips and events. NONE of these checks have ever been returned. 
I have tried to call back the number that shows on my caller ID, only to get a busy signal or a " the party you are trying to reach is unavailable '' message. I have also tried to call the XXXX # they leave on the voicemails and have been rewarded with a very stressful conversation from an " agent '' who keeps asking for personal information ( ssn, phone number, address, etc. ) and refusing to give me any information pertaining to the " debt '' I supposedly owe. They have also threatened, multiple times, to serve me with legal papers at my residence. Several times they have stated that they have already attempted to serve me with papers, having strange people call me claiming to be " process servers ''. Each time I have spoken to one of these " process servers '' they have verified my address. I have stayed home on those days only to have no one show up. Never once have I received any type of mail correspondence at my residence from this company and I have lived there for over 5 years. 
I have requested numerous times that they stop calling me, only to be met with a " we have the right to call you if you owe us money '' type of reasoning. 1 or 2 times a week would be acceptable, but they call DAILY. I consider this harrassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: I have been a customer since XXXX. In the XX/XX/XXXX I lost my job and a payment that I made in XXXX of XXXX was returned, I obtained a new job and paid the late fees, returned check fees and all other fees to bring my account current. At the time, my account was over the credit limit and a " restricted '' status had appeared on the website. I assumed that the restricted status was due to the over the credit limit and never questioned this. My husband and I are looking to buy a house this summer so we are improving our debt to income ratio and preparing, we suffered a file this past XXXX at my child hood home and my mother will be coming to live with us, so sale is very important to my family. Well last night I went on the website to ensure the payment in full of the account posted. I was surprised to see that the account was still listed as restricted, so I called the number it requested me to call and was transferred multiple times before speaking with the fraud department that told me my account had been closed in XXXX of XXXX due to my returned check. I became angry and asked for a supervisor who when I threatened the XXXX hung up on me. I called back, my first call has been 53:20. I advised of my concerns again and was again transferred to a fraud supervisor who informed me he did not have access to unrestricted my account and that his manager would need to do it but he had left for the evening. Call # 2 lasted 36:53 to be called I 'd get a call back. I decided to file a complaint with XXXX but still wanted this resolved, so I called the number on the bbb website once last night was resulted in my again being transferred this time to collections and now a case being opened with a callback within 7-10 days, this is unacceptable. I called again this morning to be transferred and told there was absolutely nothing anyone could do to unrestricted my account. 5 hours of my life wasted with no resolution and misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Wife loss her job for medical reasons and may not return to work. A request to modify our loan was denied by Planet home lending because we where only XXXX months late.

Company response to consumer: Closed
Consumer complaint received 10/15/2015 about Payday loan () with CHECK INTO CASH INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I apply payday loan the company name is check into cash and I fail to pay them because I lost my job since last year. Now they send me notices to pay it back. The worst thing happening now is that they giving a warrant of arrest that 's what they said if I do n't pay the amount I owe them. The word that they said they will give the case to XXXX Attorney file a suit against me writing bad check and fraud and they keep harassing me. And they used the XXXX. No XXXX XXXX and the XXXX of XXXX in XXXX XXXX I call them and verify what is this about, at the end they are to collect money from I owe this company. They to call people whom is put in reference in my application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had to judgments with my rental office that I paid in full XX/XX/XXXX & XX/XX/XXXX, but XX/XX/XXXX the judgments showed up on my credit report. XXXX and XXXX removed but Equifax never removed the information. I 'm trying to figure out how can you report a debt after it paid in full but it was never reported prior too.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (OH).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I paid deferred down payments and few payment into the loan on a XXXX XXXX XXXX and XXXX XXXX charged me XXXX this is considered dealership fraud i did sue XXXX XXXX and XXXX XXXX for accepting a loan that is way more than what the car is worth I have papers and proof that i sued please take care of this asap! i have contract details etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I previously contacted the credit bureau in reference to this account by mail. I did not get an answer back from  XXXX , and the other  XXXX  updated the account as meets FCRA requirements. However, after speaking with  XXXX   XXXX  it was determined that they would delete the account and have the  XXXX  credit bureaus do the same. I faxed in the letter stating they would remove it however to no avail the account is still being reported.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In 2015 I noticed a collection action on my EQUIFAX credit report which I disputed to no avail. I complained to the XXXX XXXX XXXX XXXX XXXX XXXX ( attached ) and received a response from a debt collector ( attached ) resulting in the debt being removed. 
I notice that an incorrect Social Security Number, XXXX, is reported on my EQUIFAX credit report and I believe that it appeared in conjunction with the erroneous collection action. 
I need the incorrect Social Security Number, XXXX, removed from my EQUIFAX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 01/19/2018 about Debt collection (Medical debt) with LJ Ross Associates (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX I sent a letter of Verification to LJRoss about a bill reporting on my credit report from them. I asked them to send all necessary documents with information Validating the debt owed to them. They in turn sent a copy of a itemized bill which is not validating a debt owed to them or a signed contract stating that I agreed to pay any amount owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with LTD Financial Services, LP (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This matter involves an account initially handled by XXXX and assumed by XXXX. I was trying to work this out with XXXX when they referred it to LTD Financial. At one time both were trying to collect the same debt from me. Then LTD called my ex wife and discussed the debt with her. She has never been a cardholder and has no interest in this account what so ever. I do not understand why LTD would bother her when she is my ex wife, they had the correct address and phone number and all account info. This appears to be a problem with XXXX accounts and the vendors they use for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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 XXXX XXXX reported a past due account with XXXX XXXX XXXX XXXX to Equifax. Equifax confirmation # : XXXX. I disputed this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax. The basis of the dispute is simple : XXXX XXXX never sent a bill or invoice for the amount not paid by insurance. No bill no debt no past due account. I confirmed with XXXX XXXX that they had my correct address, email address and phone number. I requested a copy of the bill, any bill addressed to my attention. XXXX XXXX has not produced a copy of the bill ( because they failed to bill ). I had no notice that the insurance did not pay the full amount for the procedure. Its been one year as of XXXX XXXX, 2016 and I have received no correspondence from XXXX XXXX. I contacted them by phone and all they said was your account was turned over to collections and there is nothing we can do. XXXX XXXX claims to have investigated my dispute, but all they did was send a verification letter to XXXX XXXX confirming an account balance. They never requested or confirmed if I was ever put on notice of any amount owed or if XXXX XXXX even sent an invoice or bill to my attention. Again no bill no debt no past due account. Now my credit score has been negatively impacted and XXXX XXXX and XXXX XXXX XXXX will do nothing. Please note, when I saw my credit score drop, I ordered a copy of my report. That is when I found this false claim of a past due account. I paid the {$410.00} on line, that week.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with CITIBANK, N.A. (TN).
Issue: Balance transfer

Complaint: Go to XXXX In their TERMS IT PLAINLY STATES : APR for Balance Transfers 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. 

After that, your APR will be 13.49 % to 23.49 %, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a # 1 I opened an account back on XX/XX/XXXX. 

# 2 Balance of {$890.00} was paid in full back on XX/XX/XXXX # 3 Ready now to do another 0 % balance transfer and these scammers have removed the offer from my account. Read the above terms : It plainly states : 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. 

# 4 Account opened on XX/XX/XXXX. 4 months is XX/XX/XXXX. This account was paid in full back on XX/XX/XXXX and I have {$900.00} available credit to use and trying to do another Balance Transfer at 0 % for 21 months and they removed the offer from my account. SO BASICALLY, THEY HAVE BREACHED THEIR CONTRACT. I SHOULD HAVE 0 % ON BALANCE TRANSGERS UNTIL XX/XX/XXXX. 

# 5 I HAVE CONTACTED THESE SCAMMERS ABOUT THE ISSUE TO NO AVAIL. I ALSO TOLD THEM TO CANCEL THIS CREDIT CARD IMMEDIATELY AND THAT I WOULD LET THE BETTER BUSINESS BUREAU KNOW ABOUT THEIR SCAM ANDVFALSE ADVERTISING AND FAILING TO FULFILL THE CONTRACT.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a Capital OneXXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with Capital One directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of 2016. I was told this on the phone with CapiTAL one and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to Capital One and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of 2016.  XXXX  accused me of being a liar, and that was supposedly a manager of XXXX. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with ERC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the person was still open things in my name and I did n't find out until later . At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting that my XXXX account was charged off twice once in XXXX XXXX and then after going positive for over a year the macys account was once again charged off in XXXX XXXX. How can a account that is alledgedly charged off go positive again, and then once again charge off?. This info is inacurate and is causing my credit score to not improve. I have included supporting documentation to support my claime. My loan officer can not figur this out either.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have reached out to XXXX and Experian several times to make correction to what is reported on my credit history : 1. XXXX is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction.
2. Experian is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes.
Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a data leak where they did not notify the affected consumers -- even now the consumer has to be proactive.

Company response to consumer: Closed with explanation