milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is XXXX XXXX : It appears that the first letter I sent was verified and I dont agree. I have attached the second letter onto the attachments down below. Your company has violated my rights within The FCRA section 609. You didnt use the correct steps in verifying the inaccurate accounts and errors youve claimed to be mine and forcingly placing accounts on my report. I asked for the steps of the verification method because I know that the FCRA SECTION 609 states that you must have an original contract showing that I owe a debt along with the signature shown on the original contract. I have asked for that and I havent gotten a respond from any of your credit bureaus. Its been a total of 90 days. No creditor has responded within that time as well and all the inaccurate items should be removed immediately. My next step is to file a complaint with the FTC if you dont remove the accounts immediately. This is my second letter and I am keeping record of all the letters and documents that have been sent to your company. If this continue with anymore reports showing verified I will be forced to go down to the county court house in XXXX Georgia to file a lawsuit upon your companies. This is a warning. I have attached pictures of the inaccurate accounts and inquiries to be removed along with a 2nd letter of warning. Also pictures of my passport and social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: an account was fraudulenty placed on my credit file by  XXXX  . Below is the account information i have requested a proper verification several times from  XXXX  to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.      XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}

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 10/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX has illegally provided XXXX Court, XXXX XXXX XXXX XXXX XXXX, Texas with fraudulent affidavits in order to secure a default judgement against me. Furthermore, I can prove XXXX XXXX made no attempt to serve me with proper documentation of the suit as stated in a SWORN declaration signed by XXXX XXXX on XX/XX/XXXX. Moreover, the dates of the junk debt, of which this suit originated, has dates that have been changed in attempts to remain on my credit reports but have been removed because XXXX XXXX failed to verify the debt. In addition, I charge XXXX XXXX with fraud for applying this failed debt, which was removed from my credit report, to my father 's credit report, which remained there for several years before being removed for similar circumstances. Therefore, I am demanding all records, documentation, invoices, receipts, and contracts from XXXX XXXX XXXX, MCM ( XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX in the original and unaltered format of which each were authored, transacted, and recorded. Additionally, I challenge the authenticity of the XX/XX/XXXX default judgement for {$7500.00} when I was never presented with a petition to sue by XXXX XXXX XXXX. I challenge the validity of XXXX XXXX XXXX buying a XXXX XXXX account for {$7400.00} on XX/XX/XXXX and charging another {$140.00} of interest to the said account at the  rate of 6 % annually. Furthermore, I challenge the authenticity of XXXX XXXX, " who swore on oath that the information '' in the above abstract judgement is " true and correct. '' Also, I challenge the authenticity of an ABSTRACT OF JUDGEMENT filed on XX/XX/XXXX in the name of XXXX XXXX XXXX. I hereby charge XXXX XXXX to fraud with deceit and a total of thirteen counts of robo-signed affidavits provided to the XXXX County court system in and during the precedence of my filed suit case.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am not sure that the choices above fully cover the issue. There has been an ongoing dispute with XXXX since XXXX XXXX in which they have monthly inflated fees and charges for who knows what. I have filed previous complaints with this agency and others agencies regarding billing for services that I disputed and service that I did not receive. I tried and finally got them out of my life by signing with a company of my choosing, however to date I have gotten inflated bills and for the last several months I have gotten this same bill for {$270.00}. XXXX has billed me for months for an outrageous amount they claim I owe and I in turn insist I owe them nothing and submitted proof of that fact to several agencies including yours. XXXX threaten debt collection and to affect my credit. I submitted a cease and desist letter and I told them I was n't paying them nothing. As an end result a debt collector sent me a letter dated XXXX/XXXX/XXXX that I received XXXX/XXXX/XXXX regarding this matter. The company is McCarthy , Burgess & Wolff. It is claimed to be signed by a XXXX XXXX with XXXXbusiness but has this company 's email address. I have had no contact with XXXX since they left in XXXX and they are no longer in the cable business. In this letter, I am warned about three bullet points stated in the letter as a cautionary or threat before I respond. All three of the bullet points are from the prospective of XXXX and is false. I have not been given an opportunity to defend myself again nor has the debt been verified by this company. I am again asking for help. It is apparent that this debt collector is attempting to re-write the facts in an attempt to extort money from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: Made a wire transfer on XXXX XXXX to the company funds still not available in the account I have with them. Only automated responses from customer service last one was on XXXX XXXX. Asked my bank to initiate a wire recall but they cant get in touch with the company either. Would like the funds either in my account with them or reversed to my bank account as soon as possible. Case number with the company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

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 05-12-2016 about Debt collection (Medical) with Ashwood Financial Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was recently notified by Equifax that my info was included in the hack of their database. So I signed up for credit monitoring service through them and I tried to file a dispute online about some accounts. When I submit info however the verification questions that come up have nothing to do with me so I have to answer each one does not apply and cant get my identity confirmed to dispute items on my credit report. I brought this to there attention and was told id have to do it over the phone. But when I call them to do it that way they ca n't do it either and tell me I have to file online. Its XXXX XXXX and this company is so incompetent they should never be in charge if peoples credit info

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pressler & Pressler sent letters to demand payment for debt that was well past the statute of limitations for the State of NJ. When I asked for verification of the debt they told they stated they have a judgement. I was not served a judgement. I asked for details of the judgement and they retused to provide the details. They also failed to provide information on the original debt. They threaten me to pay or they will pursue legal action. They ended up garnishing my wages. I am a single father and they illegally placed a garnishment on my wages to pay approx. {$8000.00} that Pressler and Pressler could not provide verification of. I would like this company investigated and would appreciate if my money could ne returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TN).
Issue: Fraud or scam

Complaint: All of the above listed items.I have XXXX to paypal over the past 12 mos to close my account and they autodrafted my checking acct at the time wo my consent randomly and willy nilly wo notice.This is wire fraud. When I confronted them repeatedly they kept throwing XXXX and automation in my face. I have served this company multiple times and they olny want to discuss in thier online email chat and over the phone-where a lawyer cant reach them.I have demanded they put responce in writing and they continue to throw mud in my face.THEY ARE NOT A BANK. They have no authority to EXTORT people for money, and yet they repeatedly do so. I have 5 pages of thier XXXX.I demanded account closure and here I am getting hit w extortion again. Ive notified XXXX XXXX and XXXX about the incident. paypal continues to autobill me and prevent me from using XXXX. This one-sided extortionist company needs to be put to bed. Consumers need options instead of corporate conglomerates. XXXX, XXXX, etc. are available and XXXX as well should allow customers to use them. THEY DO NOT. EVERYTHING GOES THRU PAYPAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Trouble during payment process

Complaint: I have had this issue with Nationstar mortgage for a while now. They held funds in suspense not completing full payments during a time of XX/XX/XXXX-XX/XX/XXXX. 3 months later, Nationstar finally admitted fault for their inability to apply funds and corrected the payment history. I requested a verification of mortgage, bu the VOM was not corrected. Lacking a correction for the VOM, it stated that I was 30 days past due for multiple months. I have been trying to refinance for 9 months and this error on Nationstar Mortgage is inhibiting my ability to. When Nationstar went back into the payment log they held up 2 months worth of payments, which put me ahead in my payment schedule. It does not make sense that they still have not repaired my VOM on their clear mistake ... After countless attempts to correct this, Nationstar has drug their feet around on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.

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 06/26/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Customer service / Customer relations

Complaint: I opened a Care Credit account XX/XX/XXXX and closed the account XX/XX/XXXX. I still have an outstanding balance and will be continuing to make payments until balance paid off. My issue is that when I opened account when I was working at a XXXX and put it in my name, XXXX XXXX and put my boyfriend at the time, XXXX XXXX XXXX, as an authorized user. When I closed the account XX/XX/XXXX they had told me that XXXX was on the account as a joint user and that is not the way I intended to open the account. XXXX has a Care Credit account of his own already. This account that I opened was just to be used for our dog who was being treating for XXXX. at the time. XXXX XXXX XXXX has NEVER authorized to be a joint user on the account.. I have made numerous attempts to have his name removed with no cooperation from Care Credit. My boyfriend and are no longer together and XX/XX/XXXX I called them asking if I could make a payment arrangement due to a financial hardship I told them I could make a XXXX dollar payment XX/XX/XXXX. They agreed but unfortunately they just made it where I missed two payments and was charged penalties and late fees and in turn It effected my boyfriends credit because he is still on the account as a joint user! I am not even wanting to fight the late fees and penlties right now all I am just asking that his name finally be removed and a letter stating that he NEVER authorized to be a joint user on this account. He is trying right now to purchase a home and this is hindering his ability to do so. He was NEVER suppose to be put on as a joint user only an authorized user and he is extremely upset now because of this issue. I have attempted many times to have it removed but never any corroperation. All I want is his name REMOVED and a statement saying he never authorized to be on this account period! I hope and pray you can help me. I will continue to pay this balance off on my own and now the account has been closed so I wo n't have any further charges made. I honestly would never open a Care Credit account again because they seriously do not care about the well being of their customer. It is a shame because I have worked in the veterinary field for over 20 years and have recommended Care Credit to many clients but I had no idea they would have no customer support if there was an issue with their account.. The worst customer support I have even experienced. Feeling hopeful we can get some resolve. the Consumer Financial Protection Agency has been nothing but kind and understating. Thank you for the help and support. XXXX 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 non-monetary relief
Consumer complaint received 12/13/2016 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (FL).
Issue: Using a debit or ATM card

Complaint: ON OR ABOUT XX/XX/2016, I PAID A VENDOR {$1200.00}, I NEVER RECIEVED MY PRODUCT SO I CALLED RUSH CARD TO FILE A DISPUTE THEY TREATED ME LIKE THE VENDOR WHERE THE VICTIM, THEY WAS VERY RUDE EVERYONE THAT I SPOKE WITH HAD BAD ENGLISH I ASKED THEM FOR A COURTESY CREDIT THEY TOLD ME IT 'S GOING TO TAKE 90 DAYS FOR ME TO RECIEVED MY FUNDS BACK I HAVE CALLED THE VENDOR SEVERAL TIMES A DAY HE DONT ANSWER MY CALLS WHAT IS THEY INVESTIGATING PLEASE I CAN NOT TAKE A LOST LIKE THIS SO IM ASKING FOR HELP IN THIS MATTER THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: A dispute was filed for a transaction in the amount of XXXX on XXXX XXXX I believe is the date, XXXX is the merchant name, this an XXXX purchase. This was paid by myself for a purchase made with my mother 's XXXX account, not my own. An XXXX XXXX was ordered, advertised as unlocked. When item arrived, it would not work as it appeared it is not unlocked as advertised. My mother filed a dispute with XXXX on her end as again, it was purchased under her XXXX account. Item was returned, a tracking number provided. However, my mother is elderly and the incorrect tracking info might have been provided to disputes team. A temporary credit was provided and later reversed, disputes team requested information from a third party stating item is defective/would not work. The item was already returned back at that point, tracking number was provided as stated before. The rep, XXXX, replied back stating he is closing dispute and reversing credit, will not reply back to messages via secure inbox. Needless to say, this rep is rude and uncooperative. The credit was reversed and my account is now overdrawn because of it. I wish to reiterate that item was returned, tracking info might not be accurate as my mother is elderly and easily confused. However, item was not as advertised as it was not unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX a consumer put a judgement against me and froze my bank account. Every time I call Citibank they tell me to call a number so I can unfreeze my account which Citibank and the office refuses to do so. Even though I 'm protected with the EIPA law

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Today XXXX/XXXX/17 I spoke with a representative regarding the deletion of unauthorized inquiries on my Equifax report. The XXXX inquiries are from XXXX XXXX Bank and XXXX Bank. The XXXX are listed twice from each creditor that I did not authorized. The representative told me I had to call the creditor to send an electronic verification to equifax. So I called to speak with the representative and they told me that equifax should be able to delete them. I called back to speak with a representative of equifax and she told me that she could not delete the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TN).
Issue: Managing the loan or lease

Complaint: TJX TJMAX said that I have an account and I told them that it did not belong to me. They have since destroyed my credit report and I want it removed.

Company response to consumer: Closed with non-monetary relief