milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit reporting company Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 was not advised nor did I allow the bankruptcy information to be added to my Transunion credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX XXXX information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us.
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Your company failed to respond satisfactory within 30 days. 

Your company has repeatedly verified without yielding proof of verification. 

Your company has failed to reply to letter asking for proof of owner verification. 

Your company has failed to sign for the receipt of second letter asking for proof of owner verification. 

Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623

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 01/21/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account XXXX from the XXXX XXXX. XXXX XXXX is reporting inaccurately on my consumer credit file. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Please take the necessary measures and properly investigate the inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (NV).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX around XXXXi went to us bank drive up atm..I went to withdrawal XXXX in process it said unable to process transaction and then atm went down.I even took picture of atm.I called my bank while still St atm filed dispute and even went into bank to tell them atm went down but XXXX still was deductedfrom balance.teller told me file dispute nothing they could do.well us bank went give me my XXXX they said I got money but if they pulled camera they would see different.this is not right

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 01/28/2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I moved out of XXXX XXXX XXXX complex at the end of XX/XX/XXXX. Very soon after I received a letter that I owed money to the complex for damages to the furniture I did not ( nor any of my roommates ) make ( I do not recall an amount being stated in the letter ). I emailed the apartment complex manager on XX/XX/XXXX saying I would not pay for the damages I did not make, and sent her attachments of my inventory list from before moving into the complex that shows I had noticed couch damages prior to move-in, and had noted it on my inventory list. I received a reply two months later that said the damages were due to pet dander and stains, which me nor my roommates made. I replied to the email XX/XX/XXXX noting, again, that me and my roommates had not damaged the couch, that the condition we left it in was the condition we found it in. I also stated I would get an attorney if they continued to bill me a payment I was not responsible for. Since XX/XX/XXXX, I have not had any correspondence with the apartment complex manager until yesterday XX/XX/XXXX, when my mother ( who cosigned my lease with me for this complex ) received a call that the amount owed to the apartment complex had been sent to a collection agency.

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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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 XX/XX/2018 I sent a dispute letter to Experian regarding an account on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$17000.00} in XX/XX/2018. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/2018 I received a letter back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

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 04-12-2016 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am a victim of identity theft. Several years ago my office was broken into and my wallet was stolen, as was my passport. I filed a police report with the XXXX Police Department which I have attached to this dispute. I recently attempted to establish a XXXX account but was told my XXXX account was frozen. I did an online chat and was told that because I had violated their terms of service I was banned from the XXXX service. I have never used XXXX before so I could not have violated any terms of service. I suspect someone has used the XXXX service in my name and there may be a debt or issue lingering due to this identity theft. I told XXXX about this and told them I have filed a police report but they did not want to see the police report nor would they disclose to me if an account had been opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I paid XXXX dollars to an international merchant on XXXX XXXX 2016. I had enough money on the card to pay the merchant. I made the payment and the merchant received it, plus I used XXXX with the card. I do n't have any extra money in the XXXX account either. All the money is on the prepaid debit card. Two days later I receive a text message from netspend ( card company ) saying I had insufficient funds to pay the merchant. I asked the merchant several times if he received payment. He confirms that he did and sent my merchandise. I called the card company 4/5 times in the past weeks and they have no history of the transaction nor do they have a reason as why this might 've happened. Today on XXXX XXXX 2016 I reloaded the card with {$40.00} to buy something else. I get a text message instantly saying that I have paid the merchant that already sent my merchandise. So the money I just loaded onto the card was automatically taken out. Once again I contacted the merchant and he confirmed once again that he only received XXXX payment. I spoke to XXXX agents from netspend and they said they will put the XXXX dollars back no later than 6 hours. This was at XXXX time and it is now XXXX time. I made sure there was enough money for this transaction and I feel that I 'm getting scammed. Please resolve this issue as you see fit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I have disputed the issue regarding XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with Experian in XXXX. XXXX XXXX has been contacted several times regarding the fraudulent reporting of a debt that they deceptively contrived due to misrepresentation of a sales person that we tried to contract with. We were told we could discontinue service at any time and the agent we were working with was actually using the credentials of her husband. The fraudulent agents are no longer emp [ loyed by XXXX XXXX XXXX XXXX due to their illegal, fraudulent methods of " slamming '' people into contracts. I 've asked for the erroneous " hard hits '' to be removed from my credit report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and yesterday XXXX/XXXX/XXXX only to be told by XXXX XXXX supervisor XXXX XXXX that they were going to pursue litigation. The fact that these swindlers have exaggerated the amount due and that they continuously harass me by hitting my credit report should be unlawful. They have written to me and I have responded within 30 days with certified mail of them receiving my documents and STILL continue to ignore the fact that they are chasing an illegal, fraudulent, exaggerated amount of debt. I ask that these people get reprimanded for their abusive harassment of my credit and my time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with Ditech Mortgage made the XX/XX/XXXX payment of {$2000.00} which was received on XX/XX/2016. For some reason they put them in " suspense ''. To date they have not released the funds. Fear that this will hurt my credit and cause me a late penalty. The account was current prior to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and  XXXX  because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Healthcare Receivables Group, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a collection statement for an XXXX visit, dated XX/XX/XXXX. The first {$50.00} payment was made online on XX/XX/XXXX, and every month after that. Once the first payment was made, I never received an updated statement from the collection agency ; only confirmation that my payment was accepted. Each monthly payment since XXXX of XX/XX/XXXXhas cleared my bank account. When I looked at my credit score this week, I noticed that it had dropped significantly, and that Healthcare Receivable Group had charged off the {$1500.00} that was still due on my bill as of XX/XX/XXXX. The most recent payment was made on XX/XX/XXXX of {$50.00} ( online ) and cleared my bank account as of XX/XX/XXXX. I have yet to receive any notification or correspondence from this company, informing me of the balance, the charge off or of any type of judgement. I believe the balance left on this account is {$1400.00}. I can not look at this account online ; I am only able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was told the account would have checks provided when I opened it and they were never sent. I called to get later and they said it would be {$17.00} for checks.

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 12/27/2017 about Debt collection (I do not know) with LTD Financial Services, LP (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was checking my credit report and saw that on XX/XX/XXXX a debt in the amount of {$790.00} was posted to my XXXX credit report. The original debt collector is listed as XXXX XXXX XXXX XXXX  for XX/XX/XXXX. I have attached a document that shows the XXXX recording of the error on pages 7,9,11,12, and 13. I have never done business with a company by that name. I have no idea where this charge came from. It is not my charge. I never received written notification about the debt.I would like this erroneous debt removed from my credit report. I am reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX, Business Phone : XXXX, and LTD FINANCIAL SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX for fraudulent charges and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: I have an account on Coinbase.com owned by Coinbase Inc. 
I transferred XXXX BTC into my coinbase BTC wallet on the date XX/XX/2017 checking the transaction on the block chain confirms the transaction has been done successfully using Address : XXXX XXXX XXXX   XXXX but the BTC has not appeared on my account yet. 

I have filed a complaint ticket through coinbase support system Case # XXXX They have failed to resolve the issue as of today. 
On the phone they only let me know that this account has indeed been hacked. 
They have not given me any time frame as to when and how this issue will be resolve. 

Coinbase has put me on sever financial strain and stress over the past 2.5 months Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: XX/XX/2018 I called XXXX   refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with Experian they refused to investigate the inquiries that were placed on my credit

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 12/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter Watrfield claims to be collecting on behalf of XXXX some rental company which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX XXXX for Capital One Bank Card with a balance of {$400.00}. I have semt numerous notifications to these companies that this is identity theft yet they continue to show on my credit reports despite me being the victim of the crime.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Medical debt) with Medical Business Bureau (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Company/Creditor : XXXX XXXX XXXX XXXX : Medical business bureau Collection Opened Date : XXXX/XXXX/17 Amount : {$81.00} Issue : I 've noticed on my credit score through XXXX that I have 1 account in collections. When looking at the account it appears to be from XXXX XXXX XXXX for {$81.00} and is currently in collections with the Medical Business Bureau. I never received a bill from XXXX XXXX XXXX and do not know what this bill is for. I also have not received any communication from the Medical Business Bureau about this debt and am only aware of the collection by monitoring my credit score through XXXX and by recently having my XXXX  information pulled in order to refinance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: I have been experiencing issues with my chase freedom credit card # XXXX autopay. For the month of XXXX there was no debit from my account then for XXXX the entire balance was debited from my account instead of the minimum payment. This made my bank account negative, I immediately went to my bank, the error was notated to my account, and I was encouraged to contact Chase which I did. Chase customer service arranged a XXXX way call with my bank, at which time they initiated a transaction to return all funds to my account with the exception of the minimum payment. I had no further contact from Chase, while completing a mortgage application on XXXX/XXXX/2016 I became aware my Chase account is reporting late and over the limit greater than {$1000.00}. I am devastated and this alone prevented me from making an offer. I since made a payment bringing the card under the limit but attempts to resolve this with Chase have been futile, meanwhile my credit score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BC SERVICES, INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a company by the name of BC SERVICES INC are reporting a Balance {$1800.00} I have NO CONTRACT with this debt that is being reported I have asked that this account be verified and proof sent to my address and I have not received anything

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