milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: What happened? Received email from Equifax, Trusted ID service telling my husband there was a balance change on an account of which he is totally unaware. Called Equifax as instructed on the email he received. Equifax 's 'Protection Specialists ' ARE ONLY available to help M-F! 

Seriously, Equifax created this problem and can only help us M-F! 

We have to wait an entire weekend when somthing awful can be happening with my husbands credit. 

Can you help get faster and 24/7 service for American consumers? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Acct is past statue of limitations - debt was canceled with XXXX XXXX - reporting same debt twice on my credit report - only had one loan out with this credit did a refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company attempted to collect on a XXXX XXXX debt that was paid in full. I contacted XXXX XXXX and researched with them and they were not showing a debt owed to them and could not find where anything was reported to this debt collection company. They were showing I was paid in full especially since I had current services with them. I contacted the debt collected company back and informed them off this and they said they would report it and have it removed. This was in XX/XX/2014. The account RECENTLY has been ADDED back onto my credit report and is showing as an open account and they are attempting to collect on it again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Receivables Management Corporation (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have XXXX accounts reporting to my credit report from Receivable Management Group. I do not know what these accounts are for! I have sent letters requesting validation but I have not received anything from this company who has this false error on my credit report. I want this removed IMMEDIATELY! This is violation of the FCRA and the FDCPA. I have received nothing from this company showing what this erroneous mark on my credit is about. There are XXXX accounts for {$690.00} and {$680.00}. Please take a look into this companies practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Medical) with Darnel Quick Recovery, Inc. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My information was shared to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In reviewing my credit reports from the XXXX major credit agencies, I see a creditor reporting an account that violates the HIPAA Law. I requested a total deletion under the FCRA. According to the Federal Credit Reporting Act, their duty as a creditor is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or myself as the consumer. I would like to thank you in advance for upholding the law as dictated by the FCRA and removing this account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX I have disputed this medical account with the reporting collection agency and they provided me with medical summary charges in which they violated HIPPA law. If needed I have proof to provide.

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 02/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NH).
Issue: Fraud or scam

Complaint: I had BTC both in a wallet and a vault at Coinbase at the time BCH fork was created. An email from Coinbase said BCH would be delivered to customers in XX/XX/XXXX. A Coinbase article, stated those customers with BTC in a vault would receive BCH in a regular wallet. 

If my Bitcoin was in my Coinbase account rather than my XXXX account at the time of the fork, will I still receive my BCH? 

Yes, but the BCH amount youve been credited will appear in your Coinbase account rather than your XXXX account.Specifically, if your Bitcoin was in your Coinbase Vault at the time of the fork, your BCH will be credited to your BCH wallet in your Coinbase account.To access your BCH, log into coinbase.com where you will have the option to transfer to XXXX. ( XXXX | Bitcoin Cash FAQ https : XXXX ) On XX/XX/XXXX, a month early, Coinbase offered BCH to some customers and not all. There was a big press release where Coinbase stayed it had provided BCH to all customers with BTC at the time of the BCH fork. I received BCH for my bitcoins in their regular wallet, minus about a 6 % fee, but no BCH for bitcoins in their vault. The accompanying email stated Coinbase was working on providing BCH for funds held in their vault despite the article that said those customers would receive BCH in a regular wallet. 

( Screenshots attached ) After about 6 weeks and not hearing from Coinbase, I called their customer service department the first week in XXXX and was told Coinbase would not provide BCH to customers who held BTC in their vaults ( Screenshot provided ). I opened a ticket as advised and for the first time I received an immediate response from a representative at Coinbase who said they were working on the issue ( screenshot provided ) When Coinbase released BCH to some of its customers on XX/XX/XXXX, the following day on XX/XX/XXXX, BCH skyrocketed to about {$4100.00}. There was suspicion of insider trading and Coinbase conducted an investigation of itself. Since then BCH price fell over 70 %, Coinbases decision to provide BCH to some customers was financially harmful to other customers who were equally entitled to receive BCH but did not. They violated their own agreement, misled the public and probably broke laws around securities. A company can not selectively give dividends to some stockholders and not others at different times. Why should Coinbase be allowed to do so? 

I ask that Coinbase do the right thing and honor their agreement to deliver BCH to my wallet and compensate for the harm in its selective delivery of BCH to some customers with BTC ( at the time of the fork ) and not all its eligible customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (I do not know) with Tribal Lending Enterprise, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX received a letter from XXXX XXXX XXXX stating that I have a loan with them and to summit a payment but there is not payment amount or loan amount. I contact and spoke with XXXX I give her the account number XXXX and I told her that I never open this account. I ask her when this acct. was open she said that was open and XX/XX/XXXX but she wo n't give me the loan amount or information. She also told to send a letter to XXXX XXXX XXXX XXXX to dispute the account because was due to Identity theft. Today XX/XX/XXXX I called golden valley and spoke with XXXX and explain what happened he verify the account of total of {$1200.00} I told him that was not me, the person that open that account and needed to dispute all charges because he wo n't give me any information of that person that open the acct. 
I called XXXX to verify my report and they said that XXXX XXXX XXXX summit 2 inquiries. Also Today XX/XX/XXXX XXXX XXXX XXXX XXXX   called to collect the debt. I told him that my that spoke with him in the morning and told him that my identity was stolen and already file a police report and he said collections will continue and hang up.

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 07/28/2017 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 status incorrect

Complaint: I have and old XXXX XXXX vehicle loan on my credit report. The account is showing status as XXXX-XXXX days late. Its completely inaccurate because account is paid and closed since 2011. I contacted XXXX XXXX  about account. They agreed to clear it up but Equifax refuses to fix account status even though account is closed and paid. The account status is obviously inaccurate because I contacted XXXX XXXX and they said that the did n't even report the payment history for that account so that should have fix.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Taking out the loan or lease

Complaint: I applied for credit solely and when they asked for my tax returns they came back stating the only way they would make the loan to me was that my husband would have to be on it. They stated that as we file jointly they require this. I explained to them I am allowed per federal law to obtain credit solely. All income but $ XXXX is mine. 

I requested that the XXXX Manager call me and received no call. 

They are in violation of federal law for requiring my spouse to be on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with MacDowell & Associates, Ltd. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: well Macdowell and associates I called to settle my debt XXXX is supposed to be the collector on the my case well I asked her for a settlement amount and she begin to get rude with me about no I can not settle for {$900.00} and I have to meet somewhere close to the amount owed. I don't know why they would place a different amount on my credit report then when I call in the amount is totally different then what is stated on my credit report. I never received any communications about this debt and the only way I found out due to its income tax season and I usually pay my debt off around this time. XXXX seems rude and unethical remarks makes it no better I am not the first to complain about this due to she has her name posted in XXXX review from a complaint another consumer posted that was also trying to settle their debt but could not due to XXXX was very rude and uncanny and hung up the phone on me and the other consumer when I was simply trying to see if we could settle. she began to state that all of her bills were paid and she did not have anything to worry about. okay where did that come from I just want to see If we can meet in the middle somewhere then she began to be very harsh and say what are you offering to pay I gave her a figure and she proceeded to keep telling me repetitive but in a sarcastic way no that's not good enough and she hung the phone up on me when I attempted to call back they would not answer the phone. I have attempted to submit payment to this company and they refused and mailed the payment back since it was not the amount that was agreed on. this incident happened at XXXX on XX/XX/18 ( MacDowell and associates XXXX XXXX XXXX # XXXX, XXXX, GA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 07-05-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: I have my system set up at Suntrust bank to send me text messages when my accounts get below a certain amount. This way, I can transfer money before XXXX and cover any shortage. This past month has been a joke. I never received a message that my account was overdrawn until the next morning, along with their customary {$38.00} overdraft fee.One was even for {$3.00} overdrawn. There were ACH payments as best I understand and do not show up as " Pending '' and are processed during the night, allowing a person NO time to react. The payments were rejected my account was charged overdrafts which really were not as they were not paid just rejected. Then 7 days later the same exact thing. It is outrageous that they can charge you {$38.00} for not paying something. It also does no good to set up a text message if you run an electronic transaction generated by a XXXX party during the night time hours, reject it electronically and not give you the opportunity to cover the shortage. The system they have set up is stacked against those that do not have large sums of money available to keep in various accounts. Electronic ACH transactions carry NO real cost to operate other than electricity, as the Computer systems are already a part of the business operations. So we are charged {$38.00} for an overdraft that never really occurs as the payment is rejected..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In the summer of XX/XX/XXXX & early XX/XX/XXXX, TransUnion experienced 2 separate computer glitches that caused inquires to be deleted from my credit report. Those inquires were then added back to my report once the glitch was discovered, however I was not notified of the inquires being added back. Legally, they were suppose to provide me written notice 5 days prior to them adding the inquiries back. I contacted TransUnion in good faith to ask them to delete the inquires that had been illegally re-added. On XX/XX/XXXX @ XXXX, I spoke with XXXX XXXX in an office outside of the USA , he refused to provide the exact location. He stated that a glitch did take place, however the inquiries were not being removed. More than once he acknowledged the error as well as me not being informed of it, but still refused to take action. These inquires add a hardship & my rights were violated by TransUnion. I am asking that you make TransUnion stop victimizing 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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT TWO DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (ID).
Issue: Problems when you are unable to pay

Complaint: I had an auto loan through XXXX - they went out of business and sold the loan to XXXX Bank. The car was included in my Chapter XXXX BK as a surrender. My attorney called them to pick the car up but was told they had no loan in file and had no interest in the car. The car is broke down & costing me storage fees. I want them to pick up the car of send a lien release to the Idaho DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (IL).
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: On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran XXXX times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My name is XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from TransUnion, XXXX and XXXX Credit Reports. However, two weeks ago it reappeared on my TransUnion and XXXX reports. I never received any notification with TransUnion or XXXX that they were adding a State Tax Lien. I 've attached a copy of my paid state tax lien and a copy of my Experian credit report showing no Public Records on XX/XX/XXXX. I 'm requesting TransUnion remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.

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 11-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My husband and I submitted an income drive-repayment plan for student loans with Navient. We choose " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in Section 2. We put the application in on XX/XX/XXXX and had not heard anything from them. We call Navient today and she tells us that " we did not fill out an application exactly for PAYE plan. '' She tells us we have to submit an additional paperwork to get on the PAYE plan and that what I filled out was not the right application. They ca n't place us on a plan until we specifically choose one. My husband and I are both lawyers, I think we can read an option that says " I want my loan holder to place me on the plan with the lowest monthly payment. '' Either she did n't know what she was talking about or this is an attempt to prevent people from getting on IDR payment plans. This did not happen to me when I filled out the same exact application from my own loans with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Credit card) with Account Outsourcing Group, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015 at XXXX I had a miss call from XXXX XXXX XXXX XXXX. I called the number back at XXXX and discovered it was a collection agency. The collection agent did identify who she was and confirmed the number I was calling for and asked if I was a XXXX. I informed her that I did not know a XXXX. The collection agent then asked me to hold while she checked something else and asked if I was who I was and she confirmed my date of birth. I informed her that I was and she informed me that she was call to collect a debt for XXXX XXXX Bank. I informed the caller that I did not owe the debt and they were attempted to fraudulently collect a debt and not to call me again and I was going to report them to the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/17/2017 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 status incorrect

Complaint: the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.

Company response to consumer: Closed with explanation