milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have previously disputed address with Experian and it seems to never really come off. I am once again disputing address information which is and has not belonged to me. These following address 's please remove them from my credit report:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I have attached a letter of deletion from Debt Recovery service which I have previously sent to Experian and yet the collection entry still exist on my credit report with them. Please remove the collection entry and the XXXX address that I have previously asked you to remove from my credit report. I have attached the deletion letter, Experian credit report with the deleted items that needs to be removed circled. I have also filed a police report with the XXXX Police Department for ID Fraud and I have also attached that to this dispute. It is apparent that there is someone using my name and social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My family was a victim of Flagstar Banks mortgage servicing tactics. Our initial modification application took 20 months to process. I recently learned that there was a settlement made with people in our situation and I had no knowledge and was not included in this settlement. My belief is that they sold our loan right before they made this settlement to avoid responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am XXXX Veteran and I reported all my award letter information XXXX. I spoke with them and was told that they told TransUnion that my student loans had been discharged to Zero balance due to my XXXX veteran status. TransUnion did several investigations and refuse to remove the student loans from my credit report XXXX. I can not make purchases of a new car or home due to these erroneous items still being listed on my credit report thus lowering my score significantly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Payday loan) with Pinnacle Asset Management, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called my mother saying they are a deputy, I am under investigation, as well as disclosing this to a co-worker of mine. My co -worker informed me someone named " XXXX XXXX XXXX called and said he must speak to me because I am under investigation. No legal, unprofessional and threatening. Calling my employer daily which needs to stop and I told them this also.

Company response to consumer: Untimely response
Consumer complaint received 10/23/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY).
Issue: Fraud or scam

Complaint: I submitted {$380.00} to an XXXX XXXX who claimed he could help recover monies paid but not remitted.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with CITIBANK, N.A. (PA).
Issue: Confusing or missing disclosures

Complaint: This is to attest that the below authorized checks totaling {$1800.00} ( XXXX XXXX XXXX XXXX XXXX U.S. DOLLARS ) were paid through Bill Pay via my banker, XXXX  Unfortunately, the checks were unpaid and remained outstanding, as the beneficiary ( LBDI ) did not receive the funds. The checks are : 1. XX/XX/XXXX {$200.00} XXXX XXXX XXXX 2. XX/XX/XXXX {$5000.00} XXXX XXXX XXXX 3. XX/XX/XXXX {$6500.00} XXXX XXXX XXXX 4. XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX 5. XX/XX/XXXX{$500.00} XXXX XXXX XXXX *Please note that on XX/XX/XXXX, I submitted copy of the check for prompt payment, but to date, you have not honor the request ; the letter was confirmed by the USPS on XX/XX/XXXXto be in your care.

In lieu of the above, kindly return the funds, as XXXX  confirmed that you are in the possession of the funds ; copies of the checks from XXXX payable to you are attached for your information and records. We look forward to an amicable resolution of this matter.

Kind regards, XXXX XXXX ACCOUNT HOLDER WITH XXXX Home : XXXX Email : 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 06/15/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX Consumer finance.gov As credit card holders with the XXXX program for many years, we were notified on XXXX XXXX, 2014, that we had earned XXXX XXXX miles. On XXXX XXXX, 2014, Citibank notified us that they changed our CitiGold/XXXX account to the CitiBank Thank You Preferred account. They said that our " account number [ would ] remain the same '' so we could continue to use the old card until the new XXXX arrived. We were then to " destroy [ our ] old card ... by cutting it in half '' They indicated that we would earn points for using the card and that we could redeem these points for many things, including " travel rewards. '' Never in any of the documents we received did they indicate that our air miles would not transfer to the new card or that we should keep using the old XXXX card ( which they were canceling ) to keep our miles. 

When we contacted them recently to see if we could use our air miles for a trip XXXX, they said they cancelled our air miles because we had not used our XXXX card for a number of months. We said that we had continued to use our Citi card that they had sent us after they told us to cut up our old card, so there was no way we could have used the XXXX card. We said that we assumed we were still gathering miles since they never told us that our air miles would not transfer to the new card. 

They also indicated that if we wanted to get our miles back, we could pay them {$400.00} for something we had already earned by using our credit card. 

There is nobody to talk to who can resolve this matter. The " customer service '' representatives can do nothing but repeat their assigned script. Citi Bank has cheated us and needs to be held responsible since they canceled our XXXX card and left us no way to keep it active. They need to give us back our miles and send us a new XXXX card with the credited XXXX miles.

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 07-06-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently repaying a student loan to American Education Services and XXXX. I am unemployed, living in California, I am currently unable to afford my own housing and I receive food stamps from the state which is proof of my not having income. I am looking for work and have not found any and I am in desperate need of assistance to have my private student loans placed in forebearance while I find work. My student loan payment from XXXX has not been paid and XXXX will be due this week. I will own AES nearly XXXX dollars which is more than I receive in unemployment benefits in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My son has been trying to pay his Sallie Mae loans to the best of his ability. the interest keeps making it higher and he can not for some reason have it based on his income. they are harassing his grandmother who was the co-signer and making her feel as though she has to pay and she has been taking money from her fixed living expenses to try and pay the out ragious amounts that keep going up because they say he 's not paying the full monthly amounts. th interest on his loans have gone through the rough and the payments are double what he brings in monthly. even if he lived at home and made no car payments and I paid for food and everything else he would not be able to make the payments since they keep raising them. There are XXXX different loans which they made him do instead of one. My mother is afraid she is going to loose everything because the payments are not more than all 3 of us together ca n't pay. This should be illegal and why they want let him base the payments off his income I will never know. Please help. And there are more than one of the choices below. We could select every answer below except getting a loan because they have all happened. Dealing with the lender is a joke. they hang up on you once they figure out who you are and will not even try to help. The payments need to be a fixed monthly amount that can be handled and still be able to eat and survive and maybe even feel like living again. Shame on Sallie Mae!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was a loyal Kohl 's customer for over 8 years. I had a credit card which I paid in full each time I received a bill. I never carried a balance to the next month. I received a call on XX/XX/17 that my account was 60 days past due {$170.00} plus fees of {$64.00}. I never received a bill from them. I was devastated and paid by phone immediately. They assured me that they would get it taken off of my credit report if it was reported. A week or so later I got a letter stating that they investigated and there was nothing they could do. I never got a bill! I 'm not sure if it was a glitch in their system but I never received the bill. If I had, as history shows, I would have paid it immediately. I have since closed my account with them because I will not deal with a company that treats their customers this way!

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: I opened a Kohls credit card in XX/XX/XXXX and always made payments on time. I ordered my annual credit report XX/XX/XXXX and found that Kohls had reported they charged off a balance of $ XXXX dollars. I was never mailed notices of payment overdue from Kohls. They never contacted me to tell me that they were going to report negatively to the credit bureaus. I do not even know if these charges are truly accurate or are charges I made, I am upset at Kohls - they have single handily ruined my XXXX+ credit score, My score is now XXXX. This year I was planning on refinancing my home and Kohl has ruined my credit score. I will never shop there again, I XXXX kohls credit credit reviews and found over XXXX complaints. Something needs to be done -they are hurting working families.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found out I had a collection placed on my credit report around XXXX 2015, information appears to be related to an apartment rental at an address that I am not associated with and I disputed as fraud and the credit bureau refuses to remove. I was sent a copy of a lease from the collection agency, but it is not for an address that I have ever lived at and does not appear on my credit report. I have notified the credit bureau of possible identity theft, but the collection has remained on my file. I was never notified by the collection agency prior to this being placed on my credit report, but disputed as fraud and they continue to 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 09/15/2015 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FIA CARD SERVICES - XXXX, this company keeps calling several times a day, after talking to a live person, explaining to them that we do not have an account with them or have any past due account and to stop calling, they continue to call. They claim they are calling from Bank of America. We told them we DO NOT HAVE AN ACCOUNT with Bank of America or past due amount with anybody. 
They continue to call several times DAILY. They are calling for the correct person BUT we never have any account with the company they are calling from. THEY START ASKING FOR OUR SOCIAL SECURITY NUMBER AND THEY WANT US TO VERIFY THE PHONE NUMBER THEY ARE CALLING. THE CALL IS ALWAYS AN AUTOMATED MACHINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly. I was recently denied a credit card because of this incorrectly reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Reporting a collection from a third party collection agency XXXX. They were unable to validate the debt within 30 days, still reporting. I disputed with the credit bureaus asking them to VALIDATE not verify with a XXXX digit code, they refused and did a XXXX digit code verify and did not VALIDATE still reporting negetive. 
Received court documents on a judgement that 's not mine that was reported by a third party not the court. All credit bureaus except for equifax removed after validate the judgment was not mine and received the court notice stating the same

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I accepted an offer from Big Picture Loans for {$1500.00}. I wanted to pay it off before the first payment was due and called them to do so. They accessed my savings account instead of my checking account and the payment did n't go through. The payment was for {$1900.00}, I spent over 1 1/2 hours on the phone with them being transferred and transferred until I finally gave into the crooks and paid them {$1900.00}. At one point they even got my bank on the phone and my bank verified all of the information that they had but they still accessed the savings and not the checking account. After 1 1/2 hours speaking to people that could barely speak English I gave in and paid the additional monies before I lost my mind. They are crooks and should n't be allowed to do business with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Payday loan) with Premier Portfolio Group (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving phone calls at work from an organization called Premier Portfolio Group. The person calling is XXXX XXXX. When I first spoke to him I informed him not to call me at work. XXXX calls back the same day and says '' I KNOW YOU TOLD ME NOT TO CALL YOU AT WORK BUT '' I then hung up on him. He continues to call daily and when both of my co-workers answered on separate occasions, he calls them a liar because they tell him they are not me and he tells them they are me and gets short with them. This company has gone too far. Numbers that they use : XXXX, XXXX, XXXX, & XXXX. I have asked them to mail me a letter that states the information and debt they are collecting on. They refuse to send anything. I want my credit card info, my payroll department number. I am severely being harassed. I am ready to notify the FBI to investigate this company. They are causing me stress and making me look bad at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. XXXX phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.

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 12/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Hello, Thank you for taking the effort to help me. 

At XX/XX/XXXX I made a money withdrawal from my Coinbase account to my bankaccount in The XXXX. I did this before and after this date as well and never experienced any problem. 

But on the XXXX, something must have gone wrong because the money never arrived and is still pending. I contacted support at Coinbase, they say that the investigate the issue, but it 's already more then 10 business days and i 'm still waiting for my money. 

On the history page, the say it will be on my bankaccount the XX/XX/XXXXr, but it never did. 

When you XXXX 'coinbase support '' on the internet you 'll notice there are o lot of complains about money that 'stolen '' from people. A lot of issues have to do with the exact date of XX/XX/XXXX. For example on this XXXX page : http : XXXX It 's a decent amount for me : XXXX euros and more than 10 days is really annoying and I 'm beginning to worry if I 'm gone see this back. 

Hope you can help me to receive my SEPA withdrawal like it supposed to be. 

Thank you very much. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Disputed this XXXX account with both XXXX and Experian multiple times. Experian continues to verify. XXXX has agreed to delete this account and request removal from all bureaus.

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 12/13/2016 about Prepaid card (Other special purpose card) with Comerica (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: I have the children 's social security and my XXXX pension deposit on Direct Express Debit card. This has happen in the past as well and YOU did NOTHING to hold these criminal at Direct Express accountable. In the recent incident two vendors XXXX XXXX for {$85.00} plus {$89.00} and XXXX. XXXX XXXX {$84.00} both of New York. Have without authorization taken out money from my account. BOTH were told they NEVER EVER had any authority to withdraw and money from my account. XXXX XXXX has NOW done so twice. EVEN after both them and Direct Express to stop. 

Direct Express said it would NOT stop those transaction and refused to take any action that stop that vendor or others in gain access to any money in my account. In the past they said as company they felt need to redirect any social security funds back out to other businesses. In the last 3 or 4 incidents and in my dealing with Direct Express that have STOP making such remarks. BUT are clearly doing every thing they can to encourage that type of theft. 

I have accounts with other banks as well as credit cards. I have never met a credit card business that was refused to help it clients and to openly encourage that type of theft. There was about a 5 day period where it says the transaction is pending and should be reverse able. Direct Express refused to take any action till after the funds have completed it transaction and can ONLY be returned by the free will of the merchant. This is beyond insane. 

It is 2016 there are many legal and ethical businesses working online. So of the best deals are online. Direct Express will not allow me to pay for my mobile phone with XXXX that offers the cheapest service. There are other vendors it will not allow me to use. I had contacted them and Direct Express said those vendors had ties to terrorist group. I had contacted many afterwards ALL had denied any connection to terrorists. Direct Express had noticed and pointed out I had a single Pay-Pal transaction. They claimed with Pay-pal they could do an instant refund. 

Prior to tis nightmares other then XXXX customer service I would said I like Direct Express as means of handling Social Security and my XXXX pension. It seem to work like a BANK in handling direct deposit, did not charge a fee for doing nothing at all. And it was suppose to not allow any bounce check fee. Direct Express is clearly idelaogy opposed to hand federal funds to children collecting social security and federal pension funds. Pleas take the most aggressive action possible against Direct Express. 

XXXX

Company response to consumer: Closed with explanation