milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2015 about Debt collection (Auto) with NELSON AND KENNARD (ID).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I send them a certified letter that they received on XXXX/XXXX/16 and i have not received a response. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Skopos Financial, LLC (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further whic h may re sult in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its just a record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have two accounts showing in collections with a zero balance that are affecting my credit score. These are not valid accounts. I have tried to file a dispute to have them removed and I have tried speaking to a customer service rep as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I file dispute regarding this company in XXXX XXXX and at that time Midwest Recovery was claiming I had XXXX accounts with them on or about XXXX XXXX, XXXX both were deleted from my credits reports ; now they have place another fraudulent account on my credit report. How can this company keep placing fraudulent accounts on my report? Ca n't they be STOP! I do n't know who this company is and who they so call represent. This is not my bill or my debt. PLEASE HELP ME AND STOP WITH THIS CRAZINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Huntington 's ATM was down in  XXXX   XXXX  Ohio. Due to this I had to use another bank 's atm. I was charged a huge atm fee of  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received an email by US bank on XX/XX/XXXX that if I open a checking account and set up direct deposit by XX/XX/XXXX, I 'll get {$200.00} bonus. I completed all the required conditions. However I still have n't received the {$200.00} bonus. I tried to contact US bank multiple times in the last 4 months but still no reply.

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 monetary relief
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had inaccurate information display on my student loans credit trade lines. After the Department of Education completed their investigations, they sent a correction out to all the credit reporting agencies to correct the inaccurate information and to show no late payments on my student loans trade lines. They also sent me a copy of their findings and sent me documentation stating they had made the correction to my credit report. All the other credit agencies made the proper changes to my report, accept Trans Union, which deleted all of my student loans with XXXX, They have tried to replace the loans back onto my credit file but to no avail. I have spoken to Trans Union and have asked them to put these items back onto the credit report, but was told there was nothing to be done about it, and that these could n't be placed back onto my credit. They took these items off without my permission or knowledge. They created this problem, and should be made to fix it. I would like for this to happen as soon as possible. my credit has taken a toll because of their mistakes. I want my loans put back on my credit file, and shown properly with no late payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent letter after letter to this company starting in XXXX XXXX when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?

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 10/13/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: our home loan was sold from other finance company in Florida to Caliber Home Loans. Attempted to contact on Website, phone, email and through our online account unable to obtain or speak to anyone. No loan activity nor payment for our mortgage has been taken out for XX/XX/2016. Upon checking reviews this company has a history of not returning calls, not receiving payments and filing foreclosures on the proprieties, we are in fear that this is going to occur with our property. Complaints have recently been flied on this company for the same reasons as related above

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Back in 2013, me and my wife moved from XXXX to XXXX XXXX XXXX, because that was her dream. After a few months, we was in the swimming pool when about XXXX XXXX was skipping rocks across the pool. It was me, my wife, my daughter, her boyfriend and my grand-baby. So naturally, my daughters boyfriend told them to stop because of the baby. The next day me and my wife had to put air in our tires. A couple of days later, we mentioned the situation to the manager ; about two or three days later, my window got busted. I had just to XXXX it up because we spent everything we had to move there, XXXX XXXX XXXX. About 2 weeks later, new neighbors moved in downstairs. They would bang on their ceiling all the time. I night, about XXXX, I was in bed when my wife came running into the bedroom saying that someone was beating on the door. I got up and answered the door ; there stood a woman asking me to keep it down because they was trying to sleep and we was making too much noise ( I was in bed ) and my wife was in the living room watching t.v. That next day I told my wife to find another place because it was getting ridiculous there. On the last day that we moved out, the manager came up to me and asked what was going on. I told him that earlier that month my window was busted out of my car, and he told me " well if you would have told me, we would have you park under one of our cameras ''. I told him we live week to week and even though we would have caught the juvenile delinquents, that would not help me if they slashed my tires. The law would make the parents pay for the damages ; but what was I supposed to tell my boss. Oh, as soon as my car gets fixed, I 'll be in. Like I said, we was on a very tight budget and could n't wait till XXXX, or maybe even both of our cars to be fixed. The manager even said he knew who done it because he has had trouble out of them before. Then I told him about our new neighbors and how they was banging on the ceiling all the time, and once even got me out of bed to tell me to be quiet. He said you should have came to me for that too ; but I thought it would be easier just to move and not make any more enemies. So now Hunter Warfield calls me all the time. I only have a cell phone and I even told them to quit calling me because I ca n't get phone calls at work, but they call anyways. The last time we talked, they said that they was going ahead and start legal action, even though they know this story also. So, if you could help, I would appreciate it. I know that I broke the lease, but I had no other choose. So, XXXX XXXX XXXX, but it 's Hunter Warfield that calls # XXXX Thank You, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Hello, I have been using Coinbase for the past 2 months. I was able to buy, sell and move digital currency without issues. Suddenly they start to ask for additional information and now they are withholding around USD XXXX of my money on the USD wallet. I can not transfer to my bank account, can not buy cryptocurrency, essentialy I have no access to the money. Ive created a case with them # XXXX on XX/XX/XXXX and no response. The customer support is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX/Comenity Bank I have a statement that shows New balance - {$15.00} due by XX/XX/XXXX. I paid that balance stated on XX/XX/XXXX and XX/XX/XXXX, my account was now paid in full. I then closed my account. Today I received a bill for {$2.00}, it is what they 're calling a trailing fee, that was charged to my account on XX/XX/XXXX. I called them, makes no sense, they wo n't take the fee off. This is soooo wrong!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Home Loan Center, Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Lending Tree provided my S S # to at least  XXXX  auto refinance businesses without my consent.   XXXX  This resulted in at least  XXXX  new hard inquiries I did not authorize  : 1.   XXXX   2.     XXXX   XXXX   Again, I DID NOT authorize this.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My SSN, DOB, full address and driver 's license have been stolen from Equifax 's database. This is outrageous, as they are the ones that are supposed to protect this data. I am now at risk of identity theft and fraud, because they did not properly protect my personal and very sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with AVANTE (SC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call from XXXX on XXXX/XXXX/17 at XXXX at my place of employment. I have never listed this number as a number that was okay to call to reach me. I told the woman who called that she would have to contact me at a different time on a different number as this was my work number and I could not receive calls here. She began demanding another number and a specific time. I told her whatever she had on file as my supervisor was taking notice that I was not on a business call. She then began yelling at me about how was she supposed to call me if I would n't give her all of the information that she wanted and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed and sold on XX/XX/2015 with the sale price paid off in XX/XX/2015 yet the mortgage company ( Caliber Home Loans ) still shows a {$59000.00} balance on my credit report. I filed a dispute with the credit report agency and Caliber affirmed the balance still owing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Payment to acct not credited

Complaint: Hello. I missed a payment with a company called SpeedyCash. I called them, apologized, and promised that I would pay them on my next payday. I asked them to stop calling me. In spite of my contacting them in good faith and my promise to pay, they have continued to call me even though I officially asked them to stop. I have written them a Cease and Desist request as well. -- -

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DataMax Corporation (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've reached out to this company several of times in regards to this inaccurate information that they are reporting to my credit. I have no acknowledgement of this debt owed, I 've asked several of times to send pod ( proof of debt ) and they 've failed to do so. My next option is to contact an attorney and file a lawsuit for the inaccurate information that they are reporting. They are in violation of FDCPA by not providing proof that this debt actually belongs to me, in which that it does n't. This is hurting my credit tremendously and is bringing an emotional strain on me being that I am in the process of buying a new home. I am emotionally and physically stressed over this. I am giving them 30 days to get this matter situated otherwise I will pursue legally.

Company response to consumer: Closed with explanation