milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have had identity theft happen to me. When I found out, I contact the sheriff 's department and I made an identity theft report # XXXX at XXXX sheriff 's department on XX/XX/2015 I contacted XXXX and XXXX and they removed all the accounts that were n't mine in 90 days. But I sent TransUnion many letters, e-mails, and phone calls and they refused to remove the accounts that were not mine ; 1- XXXX XXXX XXXX 2- XXXX # XXXX 3- XXXX # XXXX 4- XXXX # XXXX Last phone call I made was with XXXX employees names XXXX and XXXX. They told me that they 're prohibited to accept the police report. Also, I need to contact the creditors and when I did, they asked me to pay XXXX % of the amount so they 'll take it off my credit. I am very frustrated with TransUnion because they kept these accounts that are n't mine on my file for almost one year now. It kept me from applying for jobs and paying high interest on my credit card. My car is in bad shape and I ca n't buy a new one because I 'll have to pay high interest if it approves me. Please help resolve this issue with TransUnion, I 'll appreciate it very much. Thank you.

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 01-11-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports. The amount for this debt in question is {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I have had trouble making payments on my Macy 's credit card. I do all of my payments online and Macy 's is the most troublesome. They offer a payment tab on their store credit card online account profile but the site is almost always blocked. I tried from several sources to complete this request and then resorted to calling them at their customer service line XXXX @ XXXX, only to hear a message stating that I should call during regular business hours. Making it this difficult to make a payment is their standard memorandum operandi. I now have to go back to paper billing to have a consistent and reliable way to pay my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. As the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.

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 06-01-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My son attended XXXX XXXX and received private loans from Wells Fargo in addition to Federal loans. Wells Fargo carries the majority of his loans. My complaint is the interest rates these banks charge. I am the co-signer on these loans as well. I believe in paying your student loans, however, I have a problem when I am seeing interest rates of 10.74 %, 6.991 %, 6.490 %, and even 4.490 %. The banks are making way too much money on these student loans and make no attempt to lower these interest rates. I understand banks having to make money, but really??? 10.74 % interest rate!! That seems like gauging to me. I am working with my son now to get these all refinanced into XXXX loan with a better interest rate, but again, the interest that he has been charged over the past 4 years is outrages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: I have had an account with American Express since 1987, but American Express refuses to report this to the credit bureaus. 

Instead they continue to report my car as a new account even though my America Express account shows me a member since 1987. 

American Express NEEDS to correctly report my account start date to ALL three bureaus with the 1987 date.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: I called to increase the limit for a withdrawal out of my Coinbase account from XXXX to XXXX. A person answered and helped to assist me. 

I just noticed that instead of assisting me he stole XXXX XXXX {$9800.00} from my account. 

He initially said he was initiating withdrawal to my bank and I had XXXX XXXX XXXX account and to expect the money shortly. I had no reason to doubt that I was being conned or scammed. 

He disconnected the phone call around XXXX and never answered again. 

His phone number is ( XXXX ) XXXX and he went by the name of XXXX XXXX. 

His location is in XXXX NY Coinbase California, XXXX XXXX, United States XXXX XXXX United States of America California XXXX XXXXXXXXXXXX wwww.coinbase.com Are there any other witnesses or victims to this incident? 
XXXX XXXX XXXX representative was on the phone during the conversation on a 3 way call If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
XXXX Police here in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am on a pre loan modification plan requiring me to make payments by the beginning of each month beginning XX/XX/XXXX. I made the payments beginning XX/XX/XXXX on time but the mortgage servicing company says I am a month late and they turned down my request for a loan modification. I sent them documentation of the payments cashed by them before the due dates. They have done nothing to correct the problem, reverse late fees, and restore my loan modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (KY).
Issue: Account opening, closing, or management

Complaint: Starting on XXXX XXXX, I began receiving Secure/Confidential emails from a Chase bank representative into my secure message center with CHASE bank that were intended for OTHER CUSTOMERS. I promptly reported this to Chase and they never followed up or returned my call until after XXXX complaints and a call to my local branch Manager, between XX/XX/XXXX & XX/XX/XXXX I have received confidential communications for these XXXX other customers, XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX I believe the information I was provided is a breech of customer confidentiality and CHASE will not follow up appropriately. I also have concerns regarding my personal information as I never received a message on the disposition of my own reported issue? 
CHASE CASE # 's XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX, Nelnet and XXXX reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

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 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have talked with this company XXXX and asked them to contact me in XXXX and i will make arrangements. They are constantly calling my work phone. I dont know, how they got this number, but i 've asked them not to call it. They want me to pay {$480.00} for a carpent replacement, when all the carpet needed was cleaning. The collections agency is constantly flagging my credit report every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it.

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 02/18/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (AL).
Issue: Managing the loan or lease

Complaint: Something needs to be done about this dishonest company -- Elevate. Consumer has filed a previous complaint, but this company lies and deceives to the point where no consumer agency has figured this out. Company is reporting that I am 30 days late when the payment was due XXXX XXXX, XXXX with an extension to XXXX XXXX, XXXX -- due date every month is the XXXX with a 7-day extension option. According to a letter dated XXXX XXXX, XXXX from XXXX, XXXX is reporting a XXXX late. This is in retalitation of the complaint I have made with this agency and a state agency. Elevate is, knowingly, reporting incorrect information to XXXX in violation of Fair Credt Reporting Act. I have called Transunion several times to dispute the balance on this account, and now this bogus 30-day late.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Managing the loan or lease

Complaint: I returned my vehicle to Hyundai Finance and was told by the dealership that since I had Wheel and Tire insurance that I paid for monthly I would not incur any damage or wear charges. After turning it in, I have received a {$600.00} bill from Hyundai for rims, tires, and " bumper damage ''. They said they took pictures and placed them online and the damage was severe. At the dealership we walked around the car and the dealer said he saw nothing that would involve them charging me after the case for wear and tire in excess of normal. He said the rims and tires were worn and would be an issue if we did not have insurance, but since we did we were good to go with turning it in. Had I known that the insurance would not cover this when turned in we would have had it replaced first while covered, then turned the vehicle in. They are squeezing money out of us when we were paying for the coverage. We were told something by a representative of their company that apparently contradicts what they now say.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My  XXXX   XXXX    XXXX   Retail card was closed and the reason is noted as consumer request to close.      1 )  I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me,  XXXX  did n't even argue this point. This is totally u  nprofessional and poor service for customers.
2 ) This misreporting has prevented me from securing student loans.
3 ) My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.
4 ) Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.

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 05/31/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultants Inc, ac ting as a debt collector representing  XXXX   XXXX   XXXX  has been contacting me from about early  XXXX  claiming that I have not returned  XXXX   XXXX   XXXX   XXXX  equipment to their client  XXXX   XXXX   XXXX  when my services were cancelled on or about   XX/XX/XXXX .  By the way, prior t o Diversified Consultants Inc. sta rting to contact me,  XXXX   XXXX   XXXX  had also been contacting me saying that I had not returned their equipment. I provided  XXXX   XXXX   XXXX  and subsequent ly Diversified Consultants Inc. a s well  with proof of my having returned the equipment. I provided Diversified Consultants Inc. proof of my having returned the equipment with pictures of the  equipment that I had taken inside the boxes before being packed up by their designated  XXXX  store as well as the work order receipt with the tracking # for the shipping provided to me from the  XXXX  store. This information was provided to  XXXX   XXXX   XXXX  of  Diversified Consultants Inc. vi a email sent to her o n XX/XX/XXXX  . I have the email and all attachments sent to  XXXX   XXXX . The calls and letters stopped as of that date leading me to believe I have finally resolved this issue. The collection letters and phone calls resumed all of sudden in   XX/XX/XXXX !!! I know see that as of this month, they have reported this debt I do n't even have with th e collection bureaus. The amount is for {$760.00}. I feel this is fraudulent, wrongful and irresponsible debt collection being perpetrated against me by both  XXXX   XXXX   XXXX  and  Diversified Collection , Inc  after repeatedly being provided with proof of my not owing this debt!!! I am so frustrated at how it has now gone on my credit report that I have worked so hard on building. I need this to be investigated and to have it removed from my credit report and any other  XXXX   XXXX   XXXX  or any collection agency working on their behalf 's account! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (DE).
Issue: Settlement process and costs

Complaint: We applied for a mortgage loan from JP Morgan Chase, and got approved and given a commitment letter. However, the underwriting asked for supporting documents a few at a time, and never reviewed timely. We were not able to close on the original agreed upon date of XXXX/XXXX/2015, and were delayed again to miss the second closing date of XXXX/XXXX/2015. When I try to contact their underwriting processors, they would not even pick up the phone, or reply to my email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: The creditor violated the Fair Credit Billing Act. I previously notified the creditor that I did not receive statements from XXXX through XXXX due to an incorrect address which I notified the creditor of several times in writing and over the phone. The creditor did not respond to my complaint as requested and have incurred two 30 day delinquencies as a result.I contacted Citibank and spoke with a representative named XXXX who concurred with me.The representative also advised me that online access was canceled without my knowledge or authorization.

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 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX made fraudulent charges on my account, I received settlement check for inaccuracies. I should not be liable for any past due accounts/ balances due to fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Loan Care, a XXXX Company, XXXX. XXXX XXXX, XXXX XXXX, Virginia, XXXX, XXXX. They purchased our loan from another company approximately 1 year ago. Since that time we have had nothing but XXXX problem after another with this company. It started with trying to set up the accelerator program and missing payments. Since before XXXX we have had an issue with login on to their website. I called on XXXX XXXX, 2016, explained the problem and was told it was an issue with their website. I was told they would have the problem fixed and a return telephone call by the end of the business day. There was no return call and the login issue was not fixed. The issue has continued until today ( XXXX/XXXX/2016 ). I called Loan Care on XXXX/XXXX/2016 and explained the issue again. I was told to rest our password through their link. I followed their instructions and their own system failed to provide a temporary password for login. I was again promised the issue would be repaired with a return telephone call within 30 minutes providing me with a temporary password for login. After approximately 3 hours with no call, I called the company again and explained the issue again. During this telephone call, I was once again promised a return call from a supervisor, and a resolution to the issue. So far, the issue has not been resolved. This appears to be a reoccurring issue with this company, because I was told that they had to change their procedure in dealing with a complaint about their website. 

This is a major issue because we are wanting to pay our loan off early and because of the login issue we are unable to make additional payments. I have began to wonder if this is an issue to prevent individuals from making additional payments.

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 09-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received suspicious mail after Capital One promised to the consumer and CFPB in numerous occasions. The responses are written on the stone. Look out for some signs of abuse/retaliation please.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX XXXX are collecting an alleged debt for Capital One Bank and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed XXXX XXXX, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! 

Because I can not seem to get anywhere with XXXX XXXX directly, this is my next line of action. 

I have also provided XXXX XXXX with an Affidavit showing that the Capital One card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (I do not know) with Fresno Credit Bureau (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted Fresno Credit Bureau on XXXX XXXX 2018 and this is not my account.

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