milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a XXXX time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. Equifax has come to me requesting further proof of identity ( the exact same thing was in my both of my affidavit mailings a copy of my state issued ID and social security card, this is just stalling ) and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC in XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within XXXX business days according to FCRA! therefore I am filing this dispute because I am tired of their XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves ( XXXX and XXXX ) because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Credit Acceptance, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX   XXXX  of  XXXX . I went to  XXXX   XXXX  in  XXXX , TX to look at getting a new car, after mine had been totaled in an accident that previous  XXXX  that was not my fault. The agreement was that i was to get my current car. A  XXXX   XXXX   XXXX   XXXX   XXXX , and they would roll over the remaining {$500.00} of my previous loan ( From  American Credit Acceptance ) o nto my current car loan ( with   XXXX   XXXX   XXXX   ). I finished all the paperwork and drove away with my new car in  XXXX .  XXXX  told me they would cut a check for the payoff amount remaining on my car, and i would send the check in to pay off the previous loan with ACA. A month passed, after repeated phone calls to  XXXX , and no check ever came, u ntil one day  i got upset and drove down there, where they told me the funds were processed on  XXXX   XXXX , but they lost it. I was noticeably unhappy with their response, so they cut another check. Which they did not get to me until  XXXX   XXXX   XXXX , at this point I was already 3 months behind on my car payment, to where ACA was threatening to reposes a car that I did n't even have.  XXXX  said they would take care of the situation, but never did. I let it take a backseat to some other issues in my life, but when it came time to trade up to a new car, the problem arose again, and i had to contact  XXXX  again, where at first they did n't want to admit fault, but after some digging and pushing they finally did. And i got them to send a letter, and the lady stated she would submit i t to ACA  and the credit Bureaus but never did. Now it 's bee n three month s since she told me she had done it, and nothing has changed, and im honestly just sick of waiting.

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 03-09-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an auto loan at XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, that has been opened on XXXX XXXX, XXXX and closed XXXX XXXX, XXXX for {$3600.00}, a XXXX XXXX charge account opened and closed from XXXX XXXX, XXXX to XXXX XXXX, XXXX, a home loan opened around XXXX XXXX and a retail card opened around XXXX XXXX that is on my credit file that I have NO involvement in or any acknowledgement of. I just recently found out about all of this and have reasons to believe that someone else has used my personal info to open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Other transaction problem

Complaint: I ave spent {$5000.00} to buy bitcoins from coinbase on XX/XX/XXXX. At the time the transaction happened, they did not ask me for any kinds of verification. Now that I want to sell those, they ask me for ssn verification and it always failed for me even though I have all information correct. I tried to reach out to their support team, all they replied is to ask me try it out more which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my current house an paid my loan off to Ditech. The title company ended up sending the check to the wrong address causing the payment to be XXXX days. I was n't informed till after the XXXX days that they did n't receive the payoff. I am now trying to close on my new house and ca n't because of the XXXX day late they refuse to remove that was n't my fault. The title company sent it to the wrong address they provided. I am now paying fees for my current builder to continue to hold home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 numerous complaints in regards to equifax credit reporting agency. Today upon checking my credit score on XXXX XXXX my score went down another 35 points. Equifax sent me a letter stating they do not work with the other credit reporting agency 's and basically my complaint and additional supporting information I uploaded to them does not matter. I have wrong information reporting on my equifax credit report. XXXX XXXX XXXX is one of them. This has been going on for over 6 months now. This account was deleted off my XXXX credit report so I uploaded the proof to show equifax that they company deleted it off my report and the investigation I put in again with equifax should have received the same response. Then I get this letter stating they do n't work with the other credit reporting agency 's?. I contacted XXXX XXXX XXXX again and was told the same thing. They will respond to delete off my report. I do n't appreciate having this account reporting on my equifax report as it is affecting my credit score and credit worthiness. Equifax is not working with me and I feel I am just being blown off at this point. This is my credit and I have full expectations for them to correct the situation. Again as I stated earlier I have been disputing and trying to correct this for over 6 months now. I 've uploaded substantial proof that the account to be removed and still it 's reporting as charged off to a bad debt. On top of this those charges were fraudulant charges made over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed XXXX disputes with Experian in regard to the XXXX/XXXX auto loan on my credit report. Late payments are being reported in error. Each time I have disputed this issue, my report is then updated with MORE incorrect, conflicting information. This has happened several times. I have provided evidence to Experian indicating previous violations of the XXXX of the FCRA by XXXX/XXXX, and these violations occurred during the period that XXXX reported negative information on my loan. Please review the CFPB findings and fine issued against XXXX ( File No. XX/XX/XXXX-CFPB-0017 ). I want Experian to delete this tradeline from my credit history immediately, as they are in violation of the FRCA by continuing to report this negative information.

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 09-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XX/XX/XXXX I made an extra payment of {$100.00}. My bank automatically made the payment of {$100.00} for the regular payment that was due XX/XX/XXXX, they changed the amount to {$240.00} but my automatic payment was not changed by them as I thought it would be since I set it up through Fedloans. On XX/XX/XXXX I noticed I had a past due and paid {$250.00}. On XX/XX/XXXX the {$250.00} was out of my bank account and my bank says it has been paid. I called fedloans on XX/XX/XXXX because I noticed they now want {$350.00} and say they have not gotten it. The woman told me to call my bank which I did but did not give me a fax number or what to request from my bank in the first place. The first time I called fedloans they hung up on me after being on hold for 10 minutes. I paid diligently every month for 2 years despite only making {$8000.00} in XX/XX/XXXXand {$15000.00} in XX/XX/XXXX. One mistake which I took immediate action to correct and they want to ruin my credit and charge me fees I ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (MI).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I called OmniCard to activate the {$10.00} VISA gift card on XXXX/XXXX/17 in the morning. They said they card would be available for use in 15 minutes. Hours later, the card is still being declined. The error was " no such user. '' OmniCard said the reason why all of the transactions have been declined is because I 've been using the wrong PIN #. The truth is I have n't been using any PIN #. PIN # s are only required when run as a debit card. All of these transactions were run as credit card transactions, so there was no spot for a PIN #. Then, OmniCard said they were declined, because the card had n't been activated yet ( even though it had been ). I tried using it again. Again, it failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Consumer Loan (Title loan) with CURO Intermediate Holdings (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a auto title loan with Cash Call and was given more then I could qualify for and rushed thru the rates which are illegal. They gave me a {$10000.00} auto loan with rates over 200 %. Yes that is correct an auto loan with over 200 % rates. I was at a bad time in my life and going thru XXXX issues and they took advantage of that by skimming quickly thru the papers and having the money on the counter while I was signing to distract me from the papers. Well I made a couple payments and then couldnt make the {$1100.00} a month payments on a 72 month {$10000.00} loan. I have been disputing this as an illegal loan with XXXX and the other XXXX bureaus with out getting it removed. This is effecting me from being able to get mortgage licensing and costing me big time. I need this removed from the credit bureaus as this illegal loan should not be allowed to post to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Advertising and marketing

Complaint: Today, on XXXX XXXX, 2016, I shopped at the Target store located on XXXX in XXXX, California. While waiting in line to make my purchases, I heard the cashier ask the young man in front of me whether he wanted to apply for a Target Red Card ( credit card ). The young man said he was XXXX years old. He was unaccompanied by a parent or guardian. The cashier then asked a co-worker if that was old enough for a Red Card and was told yes. She then began processing his credit card application. I told the cashier that I myself was the parent of a XXXX year old, and that I would be upset if my daughter was getting a credit card without my knowledge. The cashier replied that she was required to obtain a certain number of new credit card applications per month, and that she got in trouble if she missed this quota. I told the cashier that I did n't think it was right to ( 1 ) provide credit cards to minors ; and ( 2 ) for Target to pressure its employees in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My account was not overdrawn and yet I have been charged a XXXX} overdraft fee. TD Bank is currently fighting a class action lawsuit for their fee behavior and I have say I 'm very disappointed with their poor behavior toward my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Associates, Inc. (MO) (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The bill that the XXXX is trying to collect is for services that I did not authorize. The animal shelter in XXXX MT took an injured cat to the XXXX. The XXXX chose to due major XXXX on their own accord and at their own expense on this cat they assumed to be a stray. Well after the XXXX was done it was discovered that it was my cat and they want me to pay this bill and have turned this into Credit Associates for collection. I did not authorize these services, especially XXXX for {$980.00} I was not even aware of the services until after the fact. The collection law firm that represents Credit Associates, XXXX, refused to take the account as it is not a valid collectible debt. However Credit Associates still reports this collection on my credit report. I have disputed this account previously however they refuse to remove the reporting.

Company response to consumer: Closed
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
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 originally spoke to a rep in  XXXX  about a charge off reported to my credit report. We negoatiated that if this was paid pfd, the charge off would be removed from my credit report. After making my final payment on  XXXX   XXXX  amd realizing by the end of  XXXX  that it was only updated as " paid in full '' and not removed as negotiated by the Comenity bank representative, I gave them a call in regards to the concern. I spoke with a rep, and even a supervis or. ( There  are plenty of notes on the account to support to the many times I 've called in ). After speaking to a supervisor, I 've advised him to just listen to the call where his representative negotatied the pay for delete. He refused. Instead he advised me to send a dispute letter, which would be more difficult. I 've sent a dispute letter, the situation still has not yet been resolved. This letter was sent on  XXXX   XXXX . I called in on  XXXX   XXXX  to check the status and spoke with a nice gentleman by the name of  XXXX , he stated that my dispue has n't even been touched and that they transferred my paid in full account to the " in house recovery pool '', he advised me to send another dispute to them. Instead, i advised him to just forward my dispute over since they are " in house '' .. He advised me to follow up withi n 5 business days. I just got off the phone today with a representative in the in house recovery pool and she advi sed me that the dispute team is separate from their team and she does n't know anything about the dispute, unable to give me an update, and unable to look into it. As of now I am getting the run arounds, no one seems to want to help or get this situation taken care of simply by just listening to the call amd removing the charge off as it was honored in the first place!! Getting the charge off was bad on my end but i still did as negotiated and paid it off, now Comenity bank needs to do what was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Failure to provide periodic statements as required by law. 

http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with American Accounts & Advisers Inc. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was in an auto accident that was a workman 's comp matter. There was some medical bills that were missed in the process, by the workman 's comp insurance provider ( XXXX XXXX ), as well as the original provider, didn't submit any outstanding personal medical bill to my insurance carrier ( XXXX XXXX ). The matter should have been resolved in XX/XX/2015. However, I recently, by chance received my first statement ( since I had moved from XXXX XXXX, MN to XXXX, MN ), an invoice stating that I was being sent to collections at American Accounts Advisors. I immediately notified my previous personal injury attorney. He then communicated with American Accounts, XXXX XXXX ( provider ), and XXXX XXXX. In the process of his engagement and attempts to resolve outstanding balances, American Account Advisors placed the account as a negative collection on my credit report- dropping my score more than 30 points. I immediately called American Accounts ( XXXX ), who confirmed my attorney was involved, but that XXXX believes I owe the balance ( since they haven't collected balance dues from insurance carriers ) so it will remain on my credit report ( doing irrevocable damage ). I can dispute on my credit report, but the agency will state as I documented in this writing above. Leaving me with yet another injury ( financial ) to my personal/ family well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint is against a company known as " XXXX XXXX XXXX XXXX XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XXXX/XXXX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XXXX/XXXX/XXXX, they have it reported as being opened on XXXX. Needless to say, this should be removed as I do not owe anything to this company.

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 05-04-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Diversified Consultants is misrepresenting themselves on my credit as the original owner of the debt. They are reporting me as late on payments every month, on a 6 year old debt, when the debt was with XXXX and not them. They have also re-aged the debt as XXXX XXXX when the late payment was actually in XXXX. I have contacted them and said they can not report me as late on my report but they still do every month. I was this removed from my report. Diversified account number XXXX XXXX account number XXXX I copied details below directly from XXXX : DIVERSIFIED CONSULTANT Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated - Credit Limit - Past Due Amount {$1300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1300.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 Experian Information Solutions Inc. (FL).
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: XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, XXXX, and Experian, asking for validation of debt, upon the XXXX day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX and XXXX, XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.

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