milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Money transfers (International money transfer) with XOOM CORPORATION (WA).
Issue: Other transaction issues

Complaint: I am being blacklisted from being able to send any overseas transfers from my computer. I know this now because after XXXX started blocking me I moved to Xoom, which blocked me after a couple of transfers ... and then today I tried to establish a new account with XE money transfer and they would n't even let me create an account. I believe this all stems from an incident I had last XXXX where someone hijacked my email account password, and then tried to send money through Xoom. I noticed this activity and called them immediately to block the transaction saving myself and Xoom from any financial loss. I told Xoom to lock my account until I could be sure everything was clean again .... then I called them back.. They asked for my ID and bank statement. I sent them both as proof. They then denied the transfer with NO explanation at all. I asked specifically in an email for information regarding this denial and have not received a reply. I think this is totally unfair to place the restriction on me .... No one has lost a penny because of this.. I consider this to be an unfair business practice and I would like someone to intercede on my behalf

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Debt collection (Credit card) with Atlanticus Services Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX-XXXX etc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: This involves the massive XXXX Security breach. I froze my XXXX report and had no charge for doing so. However, Experian and XXXX demand fees before freezing my credit report. 
Since this breach was caused by XXXX, I do n't believe that I should have to pay for the Experian and XXXX freezes.

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 08/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a neighbor named XXXX XXXX and she sued me in court so We countersued her and the courts paperwork showed it as a wash neither party won. But on the credit report it shows she has a judgment against me although the court record shows noone won any money I asked it to be updated or removed and they refused

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 06/14/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX, XXXX Complaint against Capital One Bank On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX a person named XXXX from XXXX repeatedly called me numerous times from no reason. This person just want to harass me. He left several harassing voice mail which I did NOT answer. On XXXX XXXX, XXXX I answered this person regarding the stolen funds at Capital One bank since XXXX XXXX, XXXX and XXXX XXXX, XXXX by a theft XXXX XXXX. I clearly told this person named XXXX representing Capital One Bank to return my stolen funds including the following terms and conditions : Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : 20 % based on the lost principle Late fee : {$100.00} per month Collection Cost : {$150.00} for XXXX times branch visit Time to Spend to Collect : XXXX hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX I also complained to this person that my deposit was NOT safe at all. I further told him that I brought this theft matter to the US Court House and I will NOT let this theft matter go because I sent numerous times written complaints to this bank and visited at least XXXX times local branch to collect the stolen funds. However this bank totally ignore my request by stating " it is n't possible to resolve this matter through secured message channel ''. As customer, the correct channel is to contacting customer service by secured message plus I did file fraud claim with bank since XXXX XXXX. My position never change to collect this stolen funds as this bank can not release my money to a theft and stranger XXXX XXXX who was NEVER authorized on my behalf to do anything. Once again, I do NOT know XXXX XXXX. I never authorized her to do anything nor I hired her to do anything. Therefore she has NO any reason to steal funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Payday loan () with POPULAR BANK (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I was contacted by ELoan.They would give me a loan for any amount.All I had to do was get a XXXX card for {$170.00}. Then they would deposit the money into my account within 30 minutes. That was 3weeks ago. They called back and said they trouble putting the money in my account. My bank would not except the amount. So they called back again and told me to get a money gram for {$250.00}. Then they would give me back the money in a money gram and a cashier check. I called them back the next day to find out what happen and they said it expired and I would have to get another money gram again for {$250.00} and was so made and I said I could n't they said it will be a XXXX mintues again. So stupid me did will they said they money gram had technial difficultes and would call me the next day at XXXX. That did not happen at all. Now they wanted a {$380.00} to get my credeit score up to XXXX. If I did't pay that they would have it freezed by FCC. I did not have the money and I jut want my {$690.00} back into my bank account that they have.. i just live paycheck to pay check.Here is the Number of the XXXX I have not signed a thing with them it as all been on the phone Please help me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, XXXX, and Equifax. No one is resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: I created a coinbase account on XX/XX/XXXX, I completed my ID identification by uploading my 'temporary ' US driving license which was accepted. The coinbase stated that I was verified and ready to go. Then I linked my XXXX XXXX XXXX account and deposited XXXX dollars in it on XX/XX/XXXX. When I tried to buy bitcoins it didnt allow me and asked me to input my SSN information ( which I do not have because I am an international student on an XXXX XXXX ). At that moment I realized it is not possible for me to trade on there since I do not have a SSN, so I tried that to pull my unused/untraded money out of my USD wallet and back to my bank account, but it is also requiring a SSN, which I do not have. Basically I am trapped because the website allows you to deposit after uploading your ID but only requests SSN information when trying to sell/buy/withdraw. I have called them multiple times, reached out to their twitter, reddit accounts, no response. I also submitted a ticket on their website, in which they have responded around 5 times with automated repeated messages and then close the case each time, and I have to re-open it. 


PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Attempted to contact Fair Collection and Outsourcing about multiple accounts. 
These accounts are reporting under a false address when I brought this to their attention, I was given the run around. I sent multiple certified mail and was told I could only dispute the account twice. Phone calls were sent straight to voicemail and never returned. Emails were never answered. Under the Fair Debt Collection Practices Act. I as the consumer are entitled to information that would validate the account. In this case It would be a signed agreement between myself and FCO.

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 10-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i pay to a collection agency back on XX/XX/2015 and a new collection agency is taking me to court. I submitted prove of payment

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 03/22/2016 about Debt collection (Credit card) with Second Round Limited Partnership (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I need in writing the resolution from second round collection agency the this debt is not collectable and I 'm not liable and longer

Company response to consumer: Closed
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (NC).
Issue: Credit decision / Underwriting

Complaint: Residential Credit Solutions ( RCS ) is not reporting my payment history correctly with the credit bureaus. My loan was transferred from XXXX XXXX XXXX in XXXX XXXX, RCS did not send modification paperwork until XXXX/XXXX/XXXX. The following are the lates showing on file from XXXX XXXX - XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX days during the modification, when they would not allow me to make a payment during this process, so technically there should be no lates on file with RCS. Please review the way this is reporting as it makes no sense to me. I would like this erroneous data removed from my credit file. 
XXXX XXXX XXXX sold my loan to Residential Credit Solutions ( RCS ) in XXXX. RCS approved my modification they added 10 years to the life of the loan at the same interest ( 5.75 % ) and increased the monthly payment. My monthly payment should have decreased when they added the additional 10 years to the term. When I caught the mistake and asked them about this they said I signed the loan documents agreeing to the terms. My loan is now transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/XXXX, I received a XXXX, Cancellation of Debt form from The XXXX XXXX XXXX. That year I paid taxes on the " cancelled '' {$21000.00} debt as required by the IRS. Today I discovered that, although " cancelled '', the debt remains on my credit report for 7-10 years. WOW! ok so I 've paid taxes on this debt as income and I 'm still held responsible for the debt - something that no one at the Bank ever mentioned. So what were those taxes for? I did n't get income and I still owe the money. When I received notice of the XXXX I was relieved, but called to make sure that it was real. The Bank XXXX XXXX XXXX XXXX XXXX told me that they had decided to get the debt off their books and stop spending money trying to collect it. I 'm female and XXXX XXXX XXXX, XXXX and I do n't make enough to pay my bills. I have n't had a full time job since XX/XX/XXXX ( not for lack of trying ). I 'm not proud of having that amount of debt and have not debted in many years ( the debt was from several years before XX/XX/XXXX ). I just thought that Cancellation of Debt was cancellation of debt. Its a shock that it 's not that at all. Can you help? 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 04/20/2017 about Debt collection (Credit card) with Selip & Stylianou, LLP (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX-2016 Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (WV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX, 2017, I received a notice from a company called Transworld Systems , Inc. stating that my student loan was in default and had been turned over to them for collection. I immediately called my loan provider and verified that I was current and told them about this notice and they said they had no idea why I would be getting this notice. My loan had been sold to XXXX from XXXX XXXX - so I decided to contact XXXX XXXX to be sure they did n't show any delinquent status for my closed account and they confirmed that my account was sold to XXXX and was closed with no negative information on file. I decided to send a letter to Transworld on XXXX XXXX, 2017 explaining all of this and now I have received a response from Transworld stating that this debt is valid and included a copy of all of my personal information with all my student loan transactions since I received the loan. Please help me to resolve this issue as I am getting nowhere!

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Medical debt) with SCA Collections, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SCA Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX RE : XXXX XXXX XXXX ( {$63.00} ) To Whom It May Concern : This letter is regarding XXXX XXXX XXXX, which you claim I owe {$63.00}. This is a formal letter that your claim is disputed.

By not replying in a timely manner to my initial letter onXX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies. ( 15 U.S.C. 168s-2 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in small claims action against your company.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

I sent SCA a certified letter onXX/XX/XXXX, which was received and signed for onXX/XX/XXXX. They never reported to any consumer reporting agency that this account was in dispute. According to the FCRA & FDCPA, SCA had 30 days to report this dispute and they did not. Therefore, they must remove this item from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX/XXXX/XXXX i found an account from XXXX XXXX XXXX, XXXX that does n't belong to me on my credit report.

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 10/23/2015 about Prepaid card (Gift or merchant card) with Empowerment Ventures, LLC (CA).
Issue: Adding money

Complaint: Well on Thursday the XX/XX/XXXX I loaded {$85.00} on my XXXX Rush card I went to use it XXXX there were no funds I was on hold from XXXX in till XXXX jus for someone to tell me sorry your funds should be there shortly we are working on are system. Then here it is XXXX still not able to use XXXX because there is no money where is my money. I cant pay any bills are any thing. I would like to know what XXXX is doing people need to live to

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: I arrived home late tonight from a long trip and found that my internet cable connection and landline telephone service had been knocked out by a neighbor 's tree that fell in my yard. So I tried to get into my bank account through a mobile wifi device. However, despite the fact I have not asked JP Morgan to identify my computer, it insisted that it " did not recognize '' my computer and demanded that I call a phone number to get a code. I did so and wasted a lot of time answering idiotic questions, allegedly from " public records. '' Because I did not provide the answers that it wanted, they would not provide me the code to get into my account. I have been denied access to my account and money at JP Morgan for two or more weeks now. The data sources JP Morgan uses in this stupid little game are inaccurate ; I have no way to guess the right answers they want. 
JP Morgan should not be allowed to deny its customers access to their accounts by their fake " security '' procedures that do little to protect me from real cyber crime but reliably deny me access to my money and accounts. This is the worst kind of bad faith pretense of something that provides JP Morgan with an unreliable excuse for its bad behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I co-signed a huge student loan for my daughter. She is repaying, but the debt has RUINED my credit rating! What immediate or long term action can I take to get this off of my credit rating??? THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX XXXX XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong

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 10-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: My bank is Bank of America. A charge showed up on my account that I do n't remember authorizing and I did n't recognize the merchant. I tried to dispute the transaction by calling the phone number, but I was on hold for over 15 minutes.

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 monetary relief