milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with Avadyne Health Holdings, Inc (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Representative called me at work, he began right away questioning if I was going to pay the creditor the funds I owed them, " and than stated of course you have a {$39.00} debt owed to some other folks ''. I asked him to please call me at home not to call me at work, his reply was, due to this being your debt why dont you call me back. If I do not hear from you, I will call you at work. I attempted to tell him, he is not allowed to call me at work after I have asked him not too. He began with Are you sure about that, are you a lawyer? " Let me give you the scope on that ''. I told him I was at work and that I could not talk and I hung up. He was rude irrogant and unprofessional. I do owe the bill, as I stated to him, the hospital never submitted a claim to insurance. He was rude, and to me threatning. How many complaints have to be made regarding H & R Accounts in XXXX, Il before something is done.

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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX : Equifax learned about a leak of consumers information XXXX XXXX : Equifax publicly announced the hack XXXX XXXX : I learn I personally was affected by using their website, equifaxsecurity2017.com XXXX XXXX : I learned my personal information has been stolen for multiple months before I had any chance to take protective measures XXXX XXXX : I learn they 're only willing to provide 1 year of credit monitoring in exchange for a lifetime of exposure and giving up many legal rights

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Since XX/XX/XXXX, I have been requesting COINBASE to transfer my digital ( crypto ) currency from out of their 'vault ' secure storage into my checking account ( also with them ) as I wanted to withdraw the same. This should have happened within 48 hours. On XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX, I I Direct Messaged them on XXXX ( via XXXX XXXX  ) asking for someone to reply / respond / take up my case. I received no replies from them. On XX/XX/XXXX and XX/XX/XXXX, I emailed them about the matter after trying to call them ( using their no-help customer support line ). I finally received a reply on XX/XX/XXXX giving me advise on what to do to make the vault withdrawals happen. After following their instructions and reverting to them the very same day to say my transactions were still not happening, I heard from them on XX/XX/XXXX saying there was a technical issue and that a specialist would be looking into it. That was the last time I heard from COINBASE!!!. No amount of follow up emails have been responded to.

This is very shoddy operating practices being exibited by COINBASE and is completely unacceptable. They should not ignore customer requests not matter what their excuse is.

I urgently need your assistance in getting COINBASE to meet and properly complete my requests as they have caused me financial hardship. Their complete disregard and disdain towards customers should not be allowed to go unchallenged

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have repeatedly asked for these unauthorized inquires to be removed from my credit profile. Equifax continues to keep these on my file saying they are mine and I need to contact each company. when I called these companies they keep telling me I need to contact Equifax. These are very damaging to my credit worthiness and are inhibiting for me to obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with Schreiber Cohen, LLC (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX, XXXX CA and Schreiber / Cohen, LLC, XXXX NH. 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XX/XX/XXXX, therefore I was not receiving the notices. XX/XX/XXXX I was served by a XXXX with a XXXX notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX of Schreiber/Cohen and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XX/XX/XXXX I reached out to XXXX, Chief Compliance Attorney for Schreiber/Cohen to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XX/XX/XXXX that no further legal action will be taken. On XX/XX/XXXX I received a forwarded letter with a State of XXXX Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XX/XX/XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Delinquent account

Complaint: XXXX made a purchase at XXXX XXXX XXXX department store in XXXX, mo. Received by XXXX bill. I made a payment from on line banking of {$100.00} to XXXX. Unfortunately I had XXXX accounts with this merchant ; a store card and a Mastercard. XXXX account was closed. The {$100.00} payment was posted to the closed account. In XXXX when I received by bills ( XXXX account had a credit of {$100.00} ) and the other account was delinquent. I immediately called XXXX. They indicated that the seen the issue and they would re-apply the payment to the correct account. I asked if I should make another payment. XXXX replied no. A few days later I received a collection call from XXXX. I explained the issue to the agent, who indicated that the could see what happened, but indicated that there were no notes on the account. They explained that they would re-apply the payment. I asked about my credit and indicated that they would note account and XXXX5 business days, my account she me corrected. A week later I receive an email from indicating by credit had a delinquency reported due to this past due account. I immediately call XXXX again and demand a SupervisorXXXX. XXXX indicates that the notes show me calling in several times and he was unsure why the {$100.00} was not transferred. He removed all the late charges ( so he explains ) and indicates that he will take care of this immediately. He will also make sure by credit is restored. I told him I would like to pay the card in full and close the account. He indicated it would be best to wait until the account is accurate. I agree. He explains that this will be expedited, XXXX5 business days. He also indicated that he will call me when the payment is posted and credit is restored. I requested a letter that would provide me with assurances that this will not affect my credit or me in any way. I am trying to purchase a house and this can effect by interest rate. To date, nothing has happened on my account. I have exhausted every possible means of getting this rectified. I am not sure how to clean up their mistake. I am getting no where. I recently wrote them and was told I need to contact their customer service team .... 120 days and the payment of {$100.00} is still in their possession, sitting in a closed account. I would like XXXX to correct their errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX Saturday, XXXX XXXX, XXXX I spoken with an representative of experian to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted XXXX accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.

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 10-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: First off Diversified did not notify me that they were going to be collecting this debt and reporting it to the credit bureaus. I did not get any notice to dispute this item until it already appeared on my report. Secondly this same account was previously on my report by a different credit agency who removed it off my report as it was not my account. So Diversified bought this account and it is not mine and was previously proven as not mine. This is a violation of my FCRA. Once I seen it on my reports I sent them a certified letter requesting debt validation. I asked for proof that this is my account such as all accounting info, proof of signature, and proof of account history. They mailed me a bill! This is not debt validation. The bill does not show that I opened this account and that it is mine. My identity was previously stolen and have had problems ever since. So if this debt can not be VALIDATED as my debt it needs to be deleted from all 3 credit reports. As it previously was. If this is not handled accordingly I will go to my local attorney generals and to the BBB and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On several occasions, I mailed letters to all 3 credit bureaus. 

EQUIFAX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX/XXXX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax Mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Payday loan () with Federal Cash Advance, LLC of Oklahoma (TX).
Issue: Can't contact lender

Complaint: Contacting my job multiple calls. Multiple calls to my phone and leaving notes on my door, place of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other fee

Complaint: I was sold a Privacy Assist product from Bank of America. Upon a recent review of my account statement, I was still being billed. A quick internet search found that Bank of America had been fined for these practices and products. Per the CFPB website : " Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Bank of America ended the marketing and sales of credit protection products in XXXX XXXX, canceled all existing accounts as of XXXX XXXX, and provided six months of no-cost coverage to consumers enrolled as of XXXX XXXX. Bank of America stopped marketing the identity protection products in approximately XXXX XXXX. '' I had to call Bank of America to get them to stop. The agent that serviced my card was " unable to assist '' and attempted to transfer me to a different entity that would do so. That transfer failed. I found the correct service number and was able to cease service, however the agent had no knowledge of any prior action against Bank of America and informed me that a charge may still appear on my bill for XXXX XXXX. 
As a side note, while online with Bank of America, they offered a credit tracking service at no fee. Why is the company offering me a free product, while charging me for the same service at the same time?

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 02-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I miss-placed and failed to cash an American Express rebate check/Rewards coupon for {$180.00} in 2015 by by the expiration date of XXXX XXXX of that year. I called American Express, explained what had happened and asked them to re-issue the check. They refused stating according to their agreement the check must be cashed by the expiration date. I checked, what it did not say was what happened if I did not not cash the check by the expiration date it did not say that I would lose the money if I failed to cash the check by the expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My car was repossessed illegally by Capital One Auto Finance on XX/XX/2018 during the night. In fact without notice of late payments or warning of repossession, Capital One Auto Finance came and picked up my car in the drive way. I had appointment that morning and could not find my car. I was about to go to the police and let them know that my car was missing, when my friend advised me to call the bank, which I did. And I found that the car was repossessed. I tried to argue but I needed my car. I asked them the amount I owed them and they told me {$490.00}. They also told me that when I go to get my car I would have to pay {$35.00} storage fees. I did pay the amount due of {$490.00} on XX/XX/2018. I went to the Capital One local branch and my friend to another local branch to make the payments ( XXXX  and {$300.00} ) the same day. Capital One also told me as soon as I make the payments to the local branch to call them so that they could verify the payment and send an electronic message to the place where my car was stored. I did call them and was told to wait 10 minutes, before calling the XXXX XXXX. I called to get my car back, but could not get XXXX XXXX XXXX XXXX on line. They were close for the day. I went to XXXX where my car was stored, paid the {$35.00} on XX/XX/2018, after waiting for several hours in the cold, rain, and wind, because the car was not in XXXX, and was still in transit I was told. I received a certified mail from Capital One auto Finance on XX/XX/2018 around XXXX XXXX. It was a notice of Sale and Right to Reinstate & Redeem. I have received also the same day (  XX/XX/2018 ) the records of my payments that I have requested several weeks ago. 
On XX/XX/2018 I have received my bank statements, and strangely I found an unjustified Repossession fee assessed of {$370.00}. I called Capital One Auto Finance, and the first person I spoke to, told me that she could not see that amount on her screen of the computer. I was transferred to another person who told me that the fee was the storage fees. I told him that I do not agree, and this was an abusive fee, and we did argue. I told him that I am going to report this to the consumer Agency. 
My monthly payments is XXXX, I was told that I did not make a payments for 90 days ( XXXX x XXXX = {$730.00} ), which is not true, and I was asked to make a payment of {$490.00} to get my car back. 
My complaint is about illegal repossession of my car, and unjustified fee, and mistreatment. I am asking compensation for mistreatment and removal of unjustified fee. 
Please find included : 1/Vehicle Release statement 2/Payments made on Capital One branches and XXXX for storage fee 3/ Monthly statement 4/ Notice of Sale and Right & Redeem page 2 & 4

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I will keep writing complaints until the correct action is taken either by sending me something through the Consumer Financial Protection Bureau that contains my personal information or block it on my credit report. XXXX XXXX XXXX has told me that a name is on the account in question that is not mine and I do not know this person. I question Equifax 's proof of verification when they have not sent me the proof. I will back off when XXXX XXXX XXXX contacts me saying their investigation proves the account was open fradulently, until then the information should be blocked. I also question Equifax 's proof of verification when another credit reporting agency could not get verification so the account was blocked. I will keep writing until this is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I defaulted on my private student loan account due to a bank error, in which my check was returned although I had sufficient funds to cover the payment. In turn, this caused further delinquencies on my joint private student loan account, which has been negatively reported to the XXXX major credit bureaus. 

Attached is a letter from my bank, explaining the bank error that caused my account to go delinquent in XXXX 2015. I have tried disputing this directly with Navient and supplied them with the a copy of the bank letter, copies of all XXXX credit reports and they have denied my request to remove the negative credit markers against me, even though this was something beyond my control. 
I am asking that the delinquent markers be removed from all major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX/XXXX/2016 I was told by my immediate supervisor at my employment that I needed to contact XXXX XXXX where I work he had a message for me. When I did he gave me the call back number. He also told me person on the phone wanted to serve me with paper about a legal situation and he was promptly told he could not come on the property and was told not to call back. Then on XXXX/XXXX/2016 he called again 3 times. He was not put through the first time. The second time the lady in central control put it through and I told him not to call me at work ever again. He called back again and was rude and used a threatening to the lady in central and she hung up on him. Then on XXXX/XXXX/2016 he left a message on my cell phone saying this was the last and final warning before the file proceeded. I then in turn called the XXXX XXXX XXXX Department and the detective placed a call to the number and he answered the phone and said law firm. He would not divulge anything to the detective without a file number and the number the call was placed to. After research this is not a law firm it is a debt collection agency, An attorney from Alabama has sued this company for the very same thing. Then come to find out he has been calling my sister on her cell phone at her employment and he did this also on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation