milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via XXXX. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting screwed. When will you do something about this?

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For the past 2 years, I have disputed XXXX accounts in particular that only appear on Experian tradelines. These creditors or debt collectors have not complied with the FDCPA and Experian keeps falsely reporting these items as verified items. Today, I spoke with CS Rep. XXXX XXXX from XXXX XXXX XXXX. On the automated system, it reflects when I put in XXXX XXXX personal identifiers {$0.00} past due and {$0.00} balance. I spoke to XXXX and told her there is a open investigation concerning this account on Experian. She told me that the account was settled out. But when I asked for the date of settlement, she said there was a balance of {$2800.00}. XXXX. She was then asked if XXXX will be collecting on this balance, she replied, " XXXX XXXX XXXX is not collecting on debt but reserves the right to send it to collection. She will be sending in the mail to my mailing address any information concerning this false account. 
I also spoke with XXXX in house recovery dept representative XXXX. I gave XXXX XXXX person identifiers and was told there was a open balance of {$250.00}. He was demanded to send all information concerning account in writing to my mailing address. He refused to do so, although I gave him XXXX XXXX personal identifiers. XXXX refuses to verify debt and EXPERIAN refuses my request to delete tradeline. 
Also XXXX XXXX has cease in its collection efforts to collect on a XXXX Credit card that did not belong to me. I made a complaint to CFPB against XXXX XXXX XXXX who falsely filed a judgment and is only reporting their tradeline on EXPERIAN. Their response was unsatifactory and disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Billing disputes

Complaint: My Walmart store card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for like XXXX and something or like XXXX and something for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. I have cooperated and done everything they asked me to do.

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 04/14/2017 about Payday loan () with SFS, Inc (PA).
Issue: Can't contact lender

Complaint: One Click Cash XXXX keeps contacting me after several cease and desist letters had been sent and verbal notifications have been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had an appointment with Wells Fargo mortgage on Saturday XX/XX/2017 and that lady from mortgage she did n't knowledge me, she treated the people that I was and her desk good and another person was waiting in the lobby and when it was my turn she did emphasize with me. I explain everything what is going now with my mortgage and she did n't encourage me to get a loan and she said is going to send me referrals for real state that day she even send those referrals. She saw I was XXXX and that 's way she treated me like that. I feel descriminated.

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 09-12-2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Credit card protection / Debt protection

Complaint: had credit card with wellsfargo each month charged excessive fees no matter how much paid month after month balance never went down. whatever paid like throwing away money. asked for consolidation loan for help turned down, someone needs to look into how charge excess credit card fees something going on with this company.PLEASE PUT WELLSFARGO UNDER MICROSCOPE ON THEIR CREDIT CARD FEES AND INTEREST RATE.

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 12-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with USCB Corporation (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report 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
Consumer complaint received 09/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a hard pull inquiry for XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have contacted Experian about it a few different times and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. This is bringing my score down and is n't fair to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Billing disputes

Complaint: i had to call 4 times this morning to make a payment first 3 time s they put me on hold with no explanation for 20 minutes. no apology. nothing. they think i can wait and 2 said they would not. i want something for my inconvenience. or i will be unable to use the card. horrible CS. no interest or a XXXX dollar credit and investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are XXXX items on my credit that I should not been held financially accountable for, which had spent hours on the phone sorting out with both companies : 1 ) XXXX : I had XXXX service for less than 3 days. Although I was told that The service would be good at my residence it was not. I was told that I would not be billed for anything and that my {$50.00} deposit would be returned within 30days. I never got my deposit back and now I have a negative report on my credit due to their error and misrepresentation of services. 
2 ) I have a Prior Authorization on file for my XXXX with my insurance company, XXXX. XXXX XXXX XXXX did not submit their claim in time and tried to hold me financially accountable for the bill. During a XXXX call with a representative from XXXX a manager XXXX. The manager XXXX clearly stated that they could not legally hold me financially accountable due to the agreement on the Prior Authorization that they failed to meet.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Dear Sir Madam, On  XXXX   XXXX   2017 , I submitted a complaint to you about Experian reporting agency, they replied to me online that the public record is going to remain on my report, Just to let you know, I disputed that public record with the other  XXXX  reporting agencies  XXXX  and  XXXX , both have deleted the public record from my reports. Experian kept the public record on my report, although it 's false. Should Experian keep that info on my report, I will have no other alternative but to have a massive lawsuit against Experian. Currently I am in contact with  XXXX  NJ Bankruptcy court and my Attorney to process the lawsuit against Experian should they not delete the wrong information from my report. Experian answer is always the same without regard or consideration to any consumer what so ever.

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 07-04-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Personal information has my name as XXXX XXXX. My name is not that. My name is XXXX XXXX XXXX ONLY!

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 04/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Balance transfer

Complaint: I pay all my bills in full every month. I have on numerous occasions failed to recieve my statment from Capital One. When I call Capital One and ask why I do not recieve my bill they tell me I do. I every time pay my bill in full and move forward. They send me to a voicemail in which I leave a message and they never return my call. Very poor customer service which esults in my frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Billing disputes

Complaint: I have a dispute with a merchant called XXXX in the amount of {$4900.00} that Fifth Third Bank has not removed. I 've ask them to remove this charge repeatedly through numerous letters and chat and I 'm being completely ignored. The charge in question is not mine and they need to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: My husband and I have been trying to do a HARP refinance since XXXX 2015. Our current lender, Green Tree Servicing continuously blocks the process from going through. We were working initially with XXXX XXXX who basically gave up because Green Tree would not respond to their requests. Now we are running into the same issues with XXXX being unable to get them to move forward with the documents they need to move forward with our refinance. We are eligible for this refinance and would save us {$500.00} a month but Green Tree continues to block the process from moving forward to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Peaks private loans, I have never received any written correspondence from them ever. I was forced into this private loan through XXXX XXXX. The only way to see a balance is from their grossly outdated website and charge extra for any little thing. I will not allow this company to ever have access to my bank account in the form of an auto payment. Avoid Avoid Avoid!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: Money was unfairly taken out of my checking account Consumer Financial Protection Bureau Case number 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 08/24/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on my house payments and need help saving my home from foreclosure. I reached out to Nationstar and have provided them with the paperwork they requested to review me for a modification but I have a sale date scheduled on XXXX/XXXX/16. They are now telling me there is not enough time to finish the review and that my home may go to foreclosure. Please help in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax displaying a old XXXX XXXX I account information incorrect and account should be remove. Says I 'm 30 days late when account has been closed for years and account was paid as agreed. Also says monthly payment was {$72.00} which is completely inaccurate. My payment was never ever {$72.00} and I never made a payment of {$72.00}, This account has several inaccuracies and should be removed. Equifax refuses to correct or verify account. They also have n't sent me information on verification of account with XXXX XXXX which I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I revived a letter from : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX, TX XXXX stating that I had a balance due to XXXX. This was news to me since I have n't had a XXXX XXXX account in 4 years. 

I wrote a letter asking them to validate the debt with no response. 

I then discovered they have reported me to XXXX credit reporting agencies and my scores have dropped XXXX-XXXX points. 

I do n't know these people and I have since sent a second letter with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-09-2017 about Debt collection (Federal student loan debt) with AES/PHEAA (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The FedLoan Servicing within my credit monitoring service is showing 50 missed payments. However, my account was in forbearance while I was in school and having a new baby.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a call from Southwest Credit Systems at XXXX XXXX, XXXX. The representative I spoke with did ID the company. The representative also provided the last 4 numbers of my Social Security Number and a mailing address of mine. No info was verified at that time. I advised the representative that this is a violation of FDCPA. I termed the call. Redialed the company at XXXX - asked the 2nd rep that the call be recorded - attempted to advise rep of the incident of the initial call, rep cut me off to verify info that I refused to provide due to initial incident, advised rep that I would like to finish what I was saying and rep continued to cut me off. I would like to submit a FDCPA violation on Southwest Credit Systems with the FTC/CFPB as the company provided sensitive information such as my social security number. This is information that I am to provide during a verification process -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with AR Resources, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Please note that AR Resources sent derogatory credit information to the three credit bureaus XXXX, XXXX and XXXX stating that I did not make payment for the months of XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. I usually make my payment online with my debit card. I made the payment for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please note that my to the best of my knowledge my identity was comprised I filed an identity theft report in with Federal Trade Commission fTC report number XXXX. When I attempted to make my payment for the Month of XX/XX/XXXX I was asked to give the last 4 digits of my social security number. I sent email to AR Resources in XX/XX/XXXX. Please note that I have made consistent payment to AR resources since the year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I validated the security breach had affected me at the suggested link provided by Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ). When attempting to get a resolution, I was forwarded to sign up with a pad security service ( free for one year ) with the caveat of forfeiting my rights in a class action lawsuit against them. In summary, Equifax did the following : 1. mishandled secure information with an insecure API that allowed data to be returned to attackers in plain text. 

2. Did not disclose the breach this for over a month while executives sold stock, instead of immediately notifying affected individuals. 

3. Are attempting to prey on victims of this attack further through a carefully worded arbitration agreement that waives litigation rights.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I have an account with Coinbase, a cryptocurrency exchange company ( www.coinbase.com ). 
I use the account to buy the digital currency Bitcoin. 

On XX/XX/XXXX, my girlfriend deposited XXXX into my Coinbase account, using the XXXX transfer service. 

Unfortunately, since the sending bank account was in my girlfriend 's name and my Coinbase account is in my name, I received an email from Coinbase on XX/XX/XXXX informing me that they are unable to process my request and my transaction had been reversed. I was informed the funds would be returned to the sending bank account within 1-2 business days. 

On XX/XX/XXXX, I followed up with Coinbase support via email because I had still not received the funds. I received an automated reply confirming acknowledgement of this request for support. 

On XX/XX/XXXX I again sent a message to Coinbase support informing them that the funds had still not been returned to my girlfriends bank account. 

On XX/XX/XXXX I received an automated message from Coinbase.

It is now XX/XX/XXXX ( 17 days after my girlfriend transferred XXXX to Coinbase and there is still no sign of the funds being returned and I have had no correspondence from anyone at Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (I do not know) with Financial Recovery Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX. XXXX XXXX. The number was Unknown name XXXX. The person who called was XXXX XXXX. He was looking for a family member that does not live here. I told them the person does not live here at this number. I asked him to remove this number. He continued to harass me asking me questions. I told him I was being harassed, and he needed to remember that he was on a recorded line. I was place on hold and someone else came on the line an XXXX XXXX. I asked for their information she told me they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MInnesota. She apologize and agreed that XXXX XXXX should have apologized and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation