milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Debt collection (I do not know) with Cedars Business Services, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have a letter from CEDAR Financial saying I owe {$56.00} to creditor " XXXX XXXX '' FILE # XXXX. 

I 'VE NEVER SET FOOT IN THE COUNTRY OF XXXX. THEIR CONTACT, WITH NO EVIDENCE, PAPER TRAIL, OR RESEARCH IS LACKING, AND WILL NOT BE THREATENED BY THEIR ATTEMPT TO COLLECT THIS DEBT! 

CEDAR FINANCIAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit report now has 42 inquires all of which are fraudulent. i have advised XXXX  Equifax and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXX-Never Applied Comenity bank- No Knowledge XXXX   XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX/XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortage was sold to carrington mortage services as of XX/XX/2016 my loan number there is ( XXXX ). i am current on my payments when my loan was sold i yet to receive my statement from them so i can send my payment to them!! when i contacted them they said they would send it with no change to my payments or it would stay the same.My loan number from XXXX is ( XXXX ) i also called them on XX/XX/2016 and i was told everything was ok and i had a 60 day grace period to get everything ready i have still not heard any thing from them please help!! i do not want to lose my home over this company i have reseached this company and heard very bad things thats why i am writing to you i am on a fixed income!! 1 and XXXX with a lot of XXXX from XXXX i have all of my mortage statements from XXXX!!! and letters regarding this matter. I ask you at the cfpb to go on line and see complaints simular to mine this is not right i am contacting you before thhey try to scam me like so many others please help thank you!!!! 
sincerly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (OK).
Issue: Unauthorized transactions or other transaction problem

Complaint: Sunday XXXX XXXX 2018 at XXXX - I get an email stating my order for XXXX $ worth of BCH was canceled by one of my debit cards on file with coinbase Sunday XXXX XXXX 2018 at XXXX - I get another email stating that my order for XXXX $ worth of ETH was filled in the amount of XXXX ETH Sunday XXXX XXXX 2018 at XXXX - I receive yet another email from coinbase stating that You have successfully sent XXXX ETH ( worth {$760.00} USD ) to XXXX using Coinbase. 

Now at this time I was nowhere near a terminal to make these transactions. The person/persons that ordered the ETH on my account sent the entire sum of my ETH including the XXXX ETH I already had in the account off of Coinbase in a matter of 4 minutes leading me to believe it was done through there api

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving repeated calls at my residence telephone of XXXX from the following companies : Synchrony Bank XXXX, XXXX XXXX XXXX and a collector from XXXX that are looking for an XXXX XXXX or XXXX XXXX XXXX. 
I have told them repeated times that I do not know any of these people and to stop calling. However, they continue to call. I ask your office 's assistance in having these companies verify those numbers that are called attempting to collect a debt and not just simply call random numbers ( that stay on their lists and are called constantly ). Please assist with this annoying problem. 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 non-monetary relief
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I Leased a new vehicle from XXXX XXXX ( a subsidiary of XXXX XXXX ). I was under the impression that my lease was on auto-pay ( the first month was paid with delivery of the vehicle ). I was NEVER informed by writing or phone call until 2 months after my payment was due. My credit was severely impacted by this negligence. I called XXXX XXXX however they refused to take the marker off my record and mentioned that I have to speak with the dealership. The dealership said they can not do anything and I have to speak with 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 12/29/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Using Annual Credit Report.com, I requested a free annual credit report from Experian. Their site reported that I was n't eligible for the free report ( I was unable to verify this ). When I attempted to purchase the credit report, the site offered the credit report for {$1.00}, but it automatically placed you in a seven-week trial of one of their products. The site also states that if you do n't cancel ( i.e. forget ), you will be charged {$21.00}, monthly. There was no option to purchase my report without being forced to participate in the product trial. Consumers should not be forced into a product trial in order to receive their credit report. This may be verified by going to their website and attempt to purchase a credit report. This appears to coerce the consumer into purchasing a product, and potentially be responsible for additional monthly cost. I believe it should be the consumer 's right to 1. verify the Agency 's reporting that we are not eligible for a free credit report, and 2. purchase a report without being required to trial a product. Please investigate and advise. For security reasons, I am interested in receiving this information online, vs. being sent through the mail. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Payday loan, title loan, or personal loan (Title loan) with SpeedyCash, Inc. (GA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: XX/XX/XXXX , my l oan was brought fr om   XXXX   XXXX   XXXX   XXXX   by Lending Bea  r. I  was told that I would have 45 days to make a payment, by 30 days later they started taking money out of my account and than they just stopped. A couple months after that my car broke down and they repossed my car and started callin g me in  XX/XX/XXXX    saying that I owe {$3000.00} and that they were trying to contact me but I never received anything in the mail and tha t was the last time I received a phone call from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Credit card) with Riverwalk Financial Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company is reporting a debt I have no knowledge of and for which I never received a notice of debt from the company as rquired by the Fair Debt Collection Practices Act. Therefore, on XXXX XXXX, 2016, I requested they provide me with info on this debt per certified letter. ( see attached letter ) and they have failed to provide this information. This is a violation of the Fair Debt Collection Practices Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with R.A.Rogers, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received correspondence from R A Rogers stating I owed a balance to them. I have sent a letter to XXXX XXXX XXXX XXXX a request for validation as well as a contract of a signed contract with them and they have not provided either. Then I was threatened by someone whom identified themselves as a lawyer of a lawsuit. I have not entered into any contractual obligation with them so how can they report a date opened, date closed, account number, date of status, as well as status.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I requested proof that this loan was mine with a signature. I requested that they show this disputed on my credit report. They did not provide a copy of the loan with my signature nor did they mark disputed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I made a payment for {$4500.00} via personal check to the State of NY for estimated tax payment. I did not transfer sufficient funds from my savings to my checking account and check # XXXX was returned and the money was credited to my account in the amount of {$4500.00}. I called TD Bank on friday XX/XX/XXXX, to resolve the issue, and the representative waived my returned check fee of {$35.00}, and also informed me that the check is void at this time, and I would need to write another check to the state of NY. I immediately made an online payment to the State of NY, and it posted on Monday XX/XX/XXXX. In addition to posting the payment, TD Bank processed the supposed returned check # XXXX payment and {$4500.00} was withdrawn from my account. I was under the impression, based on TD Bank 's representative that check # XXXX was null and void. I called TD Bank, and they placed a stop payment on the {$4500.00} to State of NY on XX/XX/XXXX, and I was told on a recorded line that the {$4500.00} would be processed and returned in 24 hours. Today I called, and they are saying 3 business days to process a stop payment and obtain my funds back to the account. {$4500.00} was withdrawn two times and they are now pulling up recorded conversations I had with TD Bank to verify that their representative in fact instructed me to write another check to the state of NY since the returned check was voided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have tried to call multiple times to cancel my subscription with Experian ( {$24.00} ) per month and after spending several hours waiting for someone to answer the phone I have been disconnected. I have tried to switch my credit card number ( one that isn't authorized to them to charge and it is still charged. My banking institution has informed me I can not depute the charge because I authorized it originally.

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 07/22/2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Billing disputes

Complaint: I noticed XXXX debit entries with the names XXXX AND XXXX for {$19.00} each, which I did not request on my XXXX XXXX statement. I contacted Chase 's customer service to report it. The associate I talked with indicated that he will look into it. But when I checked my XXXX XXXX statement, I found that the XXXX entries were again on the XXXX statement. Hence, I decided to check previous months only to discover that the XXXX entries started as far back as XXXX XXXX. Because of this discovery, I decided to check my XXXX statements only to find that I was being charged between {$25.00} to {$35.00} every month, even when I was paying the monthly due amounts on the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( Ditech ) did not pay my homeowner 's insurance policy and as a result my insurance was dropped. I was not informed of this for months and was given lender-placed insurance to fill the gap. The lender-placed insurance was much more expensive than my previous policy, and of course is a stripped down policy. As a result of my homes mountain location, it has become difficult to insure and my previous insurance company could not give me my old policy back. I was grandfathered in on my insurance and after Ditech caused me to be dropped I was stuck without insurance and had extreme difficulty finding anyone that would consider insuring me. I am now getting closer to finalizing a new policy with a new company but Ditech wants to charge me more for their lender placed policy even though I was placed on this policy solely because of their neglect and inaction to pay my insurance company. It was their problem and they want me to pay to fix it, even after causing me to lose my solid insurance policy that I can never get back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This information being reported by CACH LLC is inaccurate and still no proof has been sent to me. I disputed with XXXX and this information was removed yet it continues to remain on my XXXX and XXXX report. This company violated the FDCPA by sending me letter offering me a settlement during my dispute period which overshadowed my validation period. I want this matter investigated. My social is XXXX and date birth is XX/XX/XXXX. If I must file a civil lawsuit against CACH LLC to protect my rights I will do just that and notify the media about their unfair and deceptive collection practices. I wonder how many other consumers rights have been violated in this manner.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have informed Experian on  XXXX   XXXX ,    2017  that the following address is not mine and had never been mine. However, Experian has not removed the address from my credit file.   XXXX  Address that is not mine :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CT  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 non-monetary relief
Consumer complaint received 01-11-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: Macy 's department store double billed us for a {$180.00} mattress pad and refused to drop the erroneous charge until after XXXX or XXXX billing cycles has passed. We pay our credit card account balances in full. By Macy 's refusal to remove the erroneous charge, we fear being charged interest for an item that we did not receive. Macy 's credit was extremely difficult to work with as it took XXXX phone conversation attempts to speak to a knowledgeable person to help resolve the issue. At XXXX point, we were forced to go to the store location where the erroneous charge was made and call Macy 's Credit while in the store. The Macy 's associates that we spoke to were unprofessional, extremely rude, and more concerned regarding caller authentication in lieu of the issue. We requested that a formal claim be opened to address our issue. After much push back from the Macy 's call center associates, we were provided with the following case / claim number : XXXX. We have no confidence that this matter will be resolved in a timely and correct manner. I look forward to your assistance in resolving this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Phoenix Financial Services LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2017 I sent a certified letter to XXXX and XXXX asking for the information used to Validate the following debuts : PHOENIX FINANCIAL SERVICES. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/2015 I applied for a mortgage loan and was informed by the creditor that I had an outstanding $ XXXX balance with XXXX XXXX. Upon some research, I looked at all three bureaus and noticed only Transunion was reporting the past due balance. The other XXXX bureaus, reported it correctly as " XXXX balance settled in full. '' On XXXX/XXXX/2015 I filed an initial dispute with Transunion using file # XXXX. I received notification in writing from Transunion on XXXX XXXX indicating they had updated my report. I reviewed their changes and noted that they did not resolve the issue, and continued to report a past due balance, but instead of it being $ XXXX, it was $ XXXX. I re-filed a dispute with transunion on XXXX XXXX, 2015 and received a response on XXXX/XXXX/2015 with an updated investigation that still showed the issue to be present. To summarize, the past due balance being reported on the XXXX account # XXXX is incorrect, I do not owe XXXX any money. The account was settled in full via a short-sale done on the collateral property. The continued reporting of a past due balance is incorrect. I have asked Transunion to conduct an adequate investigation and they have fallen short. I have contacted XXXX and have been unable to do so, I have documented and spent XXXX hours on hold, being shuffled around to different departments and being advised " the next department is the correct one '' based on the contact information being provided to XXXX by Transunion. I also wrote a letter to XXXX and have not received any response in over 60 days now. If I ca n't get a hold of XXXX to clear this up, how is Transunion verifying this alleged information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with Audit & Adjustment Co. Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Amount of {$430.00} was owed to XXXX XXXX XXXX. Debt has now been inflated to double. I have been asked to pay interest, per state law I know I owe. Attorney fees, late fee 's and service fees are being applied to the amount owed. My state laws states that only fees can be collected if there is a written contract between the creditor and the debtor. No such contract has ever been provided to me from Audit and Adjustments out of XXXX Washington. An itemized list is not a contract of services owed. 

I have asked multiple times that they report to the 3 credit bureaus, but they have refused to provide a letter to me saying that they will report to even one once the debt was paid. 

Amount has now been inflated to {$980.00}

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