milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
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: I submitted a dispute with TransUnion concerning a couple collection accounts in XX/XX/2017. One was in XX/XX/XXXX and XX/XX/XXXX. One fraudulent account the company made the balance {$0.00} but left it negative. I have not been able to buy a house because of my credit score. TransUnions actions have left me with lasting damages ...

A. 1 account Was not mine B. 2 accounts were paid off, but still reporting as negative. Even though I had worked out a deal with the companies to pay off the collection amount and they would remove it from my reports. I also filed a dispute over the phone about the hits to my credit. The car dealership and XXXX XXXX pulled my credit for the same car. It should have only been 1 hit, not 2 hits.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously contacted XXXX regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: To whom it may concern : Hello, I signed up for 'Coinbase ', an online digital currency ( cryptocurrency ) wallet storage website on XXXX XXXX, XXXX. Coinbase was a great site as I was initially successful in making numerous successful transactions and deposits from my XXXXXXXX XXXX account which converted US dollars into 'Bitcoin ' and 'Ethereum '. 

Some transactions include : XXXX XXXX, XXXX - Purchase for XXXX Bitcoins ( {$2500.00} ) XXXX XXXX XXXX - Purchase for XXXX Ethereum ( {$2400.00} ) XXXX XXXX, XXXX - Purchase for XXXX Ethereum ( {$4900.00} ) It was until about XXXX XXXX, XXXX when I attempted to log-in to my account so I could buy some more coins since my birthday was coming up. I was not able to access my account because Coinbase had indicated that my " Account was disabled ''. A couple hours later, on XXXX XXXX, XXXX at XXXX local PST time, I receive what appears to be an automated email saying they 've received my request -- this made me a little more at ease. No response until about a week later on my actual birth date, XXXX XXXX, when a representative from Coinbase, by the name of " XXXX XXXX '' replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. Please let me know if the matter develops further as we investigate. Regards,  XXXX. 

I do not receive any updates or notices so I try again on XXXX XXXX, XXXX. Then again on XXXX XXXX, XXXX, as I am growing extremely worried at this point. I have been professional and polite in my email requests as well, but still, no answer. I email Coinbase again on XXXX XXXX, XXXX and again, nothing. 

This matter is extremely time sensitive since the cryptocurrency market is 24/7 in real-time and I am not able to make trades let alone pull my money out from this horrendous website that is now a scam in my opinion because I do not know what else to do. Please help with this matter. I would be extremely grateful at what ever it is the CFPB can help with. Thank you for taking the time to read my request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I called the Navient Private Loan line on XXXX XXXX, XXXX at XXXX in regards to my repayment options. I graduated from XXXX school in XXXX and my Navient payments began in XXXX. The Navient loans that I had taken out for my XXXX institution back in XXXX and XXXX. Upon my calling, I had requested to know what my repayment options were since I would soon be starting a job, just not in time to make the first loan payment in XXXX. The woman stated that my only option would be to put them in forebearance which would cost {$100.00}. I tried to explain that I could n't afford to do that this month since I had not began work, hence why I had called. I asked if there were any other options. She stated there were none. I had hoped to establish a income based option just for the month of XXXX but was not granted that option or any others. The woman also expressed that I should just call back to post date the forbearance repayment if I could not make it at that time. I explained that I would be starting a new job and depending on the date of my first paycheck I could potentially make the first payment. She again stated I had no other options except the forbearance. Should I have elected to pay for the forebearance and end up being paid my first paycheck in time, it would have been a waste of {$100.00}. I tried to explain this to the woman, but she again said my only option was the forbearance and if I did n't pay my payment within the 15 day window it would immediately be sent to collections to ruin my credit. I had also tried to understand the forbearance payment and whether or not it would include the interest payment that I had been paying monthly since I took out the loan. At first she stated I would have to pay it in addition to the forbearance charge. Later when I asked again she denied saying that, which led to even more confusion. I ended up having to end the call because she was being rude and unhelpful. So now I am stuck hoping I can make this payment in time with no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OR).
Issue: Loan modification,collection,foreclosure

Complaint: PHH gave incorrect and misleading information on how to correct my final acceptance packet. They never corrected the problem as promised and misled me during the process. 
When they had n't corrected my packet as promised, they went to forclosure on my property never taking responsibility for mistake. Please make them correct my accepance packet. I did everything that I was ask for in a prompt matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical debit paid but still effecting credit score ; account showing balance due ( see below ) Account : Account Details Last Reported XX/XX/XXXX Collection Agency WAKEFIELD Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$370.00} Remarks Placed for collection Creditor Contact Details WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX ( XXXX ) XXXX DATE AND BALANCED PAID : Date paid : XX/XX/XXXX Amt paid : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX credit card issued through XXXX XXXX XXXX XXXX. This account is in good standing and, I have confirmed that the account is being reported to all credit bureaus. The problem is that this account does not show up on my TransUnion credit report. This causes my credit score to be artificially lowered as this is my main card that sees 95 % of my credit card usage. I have tried all means available that I can find short of hiring an attorney to correct this problem. All I ever receive as an answer is another copy of the same erroneous report. Can you help me get this corrected?

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 02-05-2018 about Debt collection (Other debt) with ProCollect, Inc (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: n XX/XX/XXXX, I took over someone's lease at XXXX XXXX. After 3 weeks of residing there, I relapsed with a chronic illness and needed to move back home. I went and spoke with Assistant Manager XXXX. He told me that he would talk with his manager, but he was sure that I would be able to move without paying a penalty or other charges. Shortly after I moved out, I received a letter from ProCollect stating that I owed approximately {$76.00}. I called ProCollect to dispute that charge. Everyone I talked with at ProCollect was spoke very aggressively, harassing and threatening. They would not let me complete voicing my side of the story. They had erroneous information such as I lived in two apartments during my stay at XXXX XXXX. I tracked down the previous head manager, XXXX XXXX, that basically said he could not help me because his company no longer manages XXXX XXXX. I called XXXX XXXX who said they can not help me because they do not have the same computer system or my file. I then received a cancellation letter from ProCollect saying that my account had been closed. I figured they investigated the case as I had requested and found the error and closed my case. On XX/XX/XXXX, I saw that ProCollect had once again put an account on my XXXX  credit report stating that I owe {$1100.00} for unpaid rent and other items. I called ProCollect and XXXX and was put through the same headache as I was before. No one will help me with this erroneous account.

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
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: several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with lexis nexis and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX AND EXPERIAN ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer XXXX . Subsequently XXXX providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at XXXX suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to XXXX up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the XXXX. All support history is attached. 
Experian is the only credit bureau who has refused correct the reporting mistakes by XXXX both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list XXXX as verified/updates with incorrect dataAttached : XXXX report of Experian reporting agency show the account status as deed in LieuAttached : Sherriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I HAD XXXX WHICH IS A MEDICAL CARD FROM THE STATE OF ILLINOIS. THEY STATE SHOULD OF PAID THIS WHOLE BILL. THE HOSPITAL DID NOT CHARGE THE RIGHT INSURANCE AND I HAVE TOLD THEM THAT BEFORE

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 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Experian credit reporting agency is doing what they want on my credit report andd then lying about who is puting these alerts on my repoert I'v called in about the alert on the XXXX of XXXX to make sure that it was being or has been removed and i was told it was to recieve a letter in the mail that they have place another alert on my file and has stopped all credit offerswhich i did not authorize this a XXXX time. There are XXXX credit file for XXXX one is XXXX that I did not owe XXXX any money i paid a partial owing XXXX dollar balance and they turn my service off the only way i could use my phone was to pay the other XXXX which i did and they place a bill for XXXX dollars that i do not owe i disputed this and they continue to verify but i have been asking to show me thelast bill paid and how it was paid as proof. other XXXX bill was charges placed on an account that was not owed for wiring because my home had caught fire and it was suppose to be a reconnect and then they try to bill me for wiring on an reopen account I do not owe them any money I disputed unauthorized credit inquires that are on my report that i did not authorized, that are constanlty be verified as correct. the last account is XXXX for XXXX that they continue to verify as my account without any proof as well

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 05/16/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OK).
Issue: Trouble during payment process

Complaint: On multiple occasions  Carrington Mortgage Service ( Carrington MS ) called me and said my mortgage was past due when in fact my mortgage was current. Ive never missed a payment or even been one day late. About a year ago Carrington MS sent me a letter stating that my online payment was rejected and my mortgage was past due and my account had been blocked from making payment online until the issue was resolved. I called Carrington MS and after I told them the payment was deducted  from my bank account on the due date they said the letter must have been a mistake. In  XXXX  o f 2017 Carrington MS started of fering automatic payments. I signed up for automatic payments on  XXXX   XXXX ,  2017 . My fist automatic payment was scheduled to occur on  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,    2017 Carrington MS called m e and said my mortgage was past due. The customer service representative then told me they were having issues with the automatic payment system, but they failed to notify me they were having the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient payments are not practical! $ XXXX is not feasible by any graduate let alone more recent ones who are only making $ XXXX! Loans need to be more practical and payable! I ca n't get engaged, married, a house or even live because of my loan payments!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed Bankruptcy XX/XX/2010. I recently noticed a new collection on my credit bureau. I dispute the collection. I started receiving collection notices demanding payment of {$1000.00}. I explained this lease was included in Bankruptcy. U.S. Collections West, Inc. refused to take down my bankruptcy information. I do n't owe it. It 's been over the statue of limitations in Arizona to collect on this and it was included in Bankruptcy. They are reporting to my credit and it not a true debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: {$600.00} amount I disputed with the collection agency, they refused to delete. I have never entered into a verbal or written agreement or contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The loans amount I currently owe is in excess. I wrote to XXXX XXXX about tthe problems with my loans, and the lack of forms that were supposedly signed aka promissory note. I did not receive any promissory notes. Also, I was suppose to be refunded by XXXX XXXX ; 's and the other schools for lack of justification for the amount which is currently showing on my credit report. I have been charged un-farily and as a result, I had to seek private loans to pay for my XXXX degree. I wrote to them about this issue about 6 years ago and nothing was resolved or done.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Virtual currency (Domestic (US) money transfer) with Circle Internet Financial (MD).
Issue: Other service issues

Complaint: I applied for an account on " Circle '' and they declined to open an account after I uploaded a picture and drivers license per their request. I believe the decision was made because I am XXXX. " Circle '' says : XXXX ( Circle ) XX/XX/XXXX, XXXX EDT Hi XXXX, We have carefully reviewed the information you provided us and unfortunately we will not be able to offer you service. We can not go into specific details about what led us to our decision. Thank you for understanding. 
Best, XXXX - Team Circle I believe " Circle '' denied the account because I am XXXX as they will not say why they declined the account and the decline happened after I uploaded a photo of myself per their request. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 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: I sent letters to Equifax, XXXX, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For a very long time I have been in receipt of phone calls from this organization claiming I owe a debt that does not belong to me. They will not disclose any proof and since I have paid every other bill in my life exactly on time I am bewildered. They have refused to stop calling me both at home and at my workplace and claim to make there own regulations.

Company response to consumer: Closed with explanation