milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XX/XX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the XXXX states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Consumer Loan (Installment loan) with NELNET, INC. (OK).
Issue: Managing the loan or lease

Complaint: My wife XXXX and I took out a personal loan with XXXX Bank to be serviced by Firstmark Services. We received an email ( attached ) that explains our loan was accepted on XXXX XXXX 2017 at XXXX. We called Firstmark to discuss the payments only to find out the first payment is due on XXXX XXXX. Only 27 days after finding out our loan was approved. We spoke with a representative who told me they can not change the date due as it 's set between 30-45 days after the loan is approved. Unaware XXXX only has 28 days that put their current methodology 5 days short of their own practice. It also put us in a bind having to make a payment not around paychecks. We were then incorrectly told to speak to XXXX to change the date. We called them and were told they could n't change it and that Firstmark needed to. So I asked what the grace period was. I was promptly told " your loan has no grace period ''. I asked to speak to a supervisor knowing what she told me was illegal and wrong. They were gone for the night. I then called Firstmark back repeating the information that XXXX ca n't change the payment date but Firstmark would need to. They said a supervisor would call in 24-48 hours. I called back the next day and was told by XXXX supervisors the payment date ca n't be changed period. So the previous 30-45 day statement turns out is n't true either. At last the company tells me the systems have crashed at both XXXX and Firstmark.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: the told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to rea d it.She to ld me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX/XXXX/2016 I deposited my Federal Income tax check into my checking account via ATM at approximately XXXX XXXX. The amount of the check was {$5200.00}. The bank put a hold on {$5100.00}. They told me that money would be available XXXX/XXXX/2016.

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 03/23/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call on my cell phone. It was a hang up when I answered. I called back and discovered I was called by a collections company. I do not owe anyone any money. The representative who answered identified himself as XXXX XXXX. He had a foreign accent. I told him I was called and hung up on. I gave no info about my location, etc. He said the company was trying to reach XXXX and gave a partial address that I did not catch. No city was indicated. I told him I did not know the person, did not appreciate the call on a cell phone and the hang up. I asked to speak to a supervisor and have my number removed from the list as I was not a proper contact. He said a supervisor could not help me. Wanted to know if I knew how to contact XXXX after I said I did n't know a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for a credit card with XXXX XXXX without his consent. That application resulted in an inquiry being made into his credit. An official dispute of that application was submitted to XXXX XX/XX/XXXX and received by XXXX XX/XX/XXXX ( certified mail, return receipt ). As of this date XX/XX/XXXX, XXXX has not replied with the outcome of the results of a re-investigation as they are obligated to do under the FCRA.

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 04-10-2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was called on my personal number on XXXX/XXXX/2016. I asked the representative for no further calls. I explained that I would pay when I could pay. 
The representative said it does not work that way and they could continue to call as long as I owe. I explained that no, they are not. I told the representative again, do not call. 
On XXXX/XXXX/2016 this company called my place of employment and threatened to sue me. 
The company name is Franklin collection Service

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. XXXX will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

Transunion is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through them.

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 04/15/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has somehow included the credit reports of my brother. He has a mortgage, XXXX auto loans, credit cards, that are affecting my credit. Basically anything associated with my brother and his wife should not be on my report. His whole credit report has somehow merged with mine and almost prevented me from getting a mortgage on our dream home. XXXX and XXXX are not reporting these. There are discrepancies everywhere on the report that are so blatantly obvious. XXXX look at the credit report from someone at Experian should be able to correct these issues. But now I am going to have to spend countless hours disputing every account. The dispute was made recently last XXXX when we took out a mortgage. Now I am going to submit it again because nothing has changed and I am obviously frustrated and angry that something like this could happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THIS IS NOT A DUPLICATE!!!! THIS IS NOT A DUPLICATE!!!! It is a failure of the company to accurately follow the law and report correctly!!!     I even spoke with them over the phone on  XXXX   XXXX  and they assured me it would corrected immediately. My most recent credit report still shows late payments and inaccurate information.     I again am requesting Experian follow the law and fix my  XXXX   XXXX  Account.     They did fix parts of the entry but they again did not follow federal law. The  XXXX  the balance and closed the account but the status is inaccurate. Federal law states that it should say the following.     The account status should read : Included in Chapter  XXXX .     The information about charged off should not be on the account!

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 03-09-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I was called from IQ Data International. They asked me coud they collect n a debt on an recorded line and ask me if I could pay my debt of {$250.00}. I agreed on an automated line that if I paid the debt they would remove the debt from my credit report. I have a letter attached in writing where they agreed to remove it. I looked at my credit report today and they reported the debt as a charge off and did not remove it from my credit report. I called IQ International on XX/XX/XXXX because they are reporting my debt as a charge off when that was not what my agreement was. The rep on the phone said yes they agreed to it but it can take months to remove. My FCRA rights were violated and I want this account removed from XXXX, XXXX and XXXX immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (I do not know) with Professional Recovery Management (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently received my updated credit report and there is a Collection agency named Fox collection center on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with WLCC (WA).
Issue: Getting the loan

Complaint: On XXXX XXXX, I applied for and was approved for installment loan of {$1000.00}. Spoke with someone on the phone who confirmed the approval status and sent me a signed and loan agreement as well as a confirmation number in an email. Told me my loan would be funded the next day. 

Late in the day of XXXX XXXX, I received notification of a small " problem '' and I would have to sign a new loan agreement with a substantial increase in monthly payments. When I inquired why the changes, I was told that the other loan agreement had " expired ''. The agents of this company was very rude, condescending and refused to give last names, indicating to me, nefarious intent ... they REFUSED to honor the original signed agreement with the lower payment schedule ( enclosed )

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I had a Coinbase account where I purchased bit coin and where I also stored United state dollars. For some unknown reason, I received an email from Coinbase on XX/XX/XXXX stating that I violated their terms and my account would have to be closed without any detailed explanation. I am now trying to transfer out my remaining funds from Coinbase but am unable to link a bank account to complete the transfer. I have sent 2 separate emails to coin base with no response. All I wish to do is withdraw my money out of Coinbase but they are not helping, or telling me how to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized checking and savings account with XXXX. The checking account do n't belong to me. I have never opened a checking or savings account with 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 02/19/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Carrington Mortgage, who bought my home loan from XXXX XXXX XXXX in XXXX of 2015, stating that they were going to start foreclosure proceedings since I missed my XXXX 2015 house payment. I received the letter in XXXX. I called and was told to send all of my bank statements proving that I did indeed pay. I faxed all of my statements as requested and the XXXX payment was noted as well as the past 4 months payments. I was sent a letter requesting front and back of check to prove who indeed cashed it. The statement clearly states that the check was converted to an ACH payment and the front and back of check is not available! I called XXXX XXXX, my local bank, and the branch manager, XXXX XXXX, requested the front and back of check from XXXX XXXX who handles the account for Carrington. XXXX XXXX has not responded and I have received a second letter stating that they are starting foreclosure proceedings ... what can I do???

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: On XXXX XXXX, XXXX I received a call form a lady pretending to be with the office of pretrial of investigation. The lady said her name was XXXX XXXX, she received case from attorney XXXX XXXX, who was attempting to collect a debt for a loan from XXXX XXXX. XXXX XXXX said, they had me on surveillance camera, they were coming to arrest me, she used the words felony, fraud, promissory, it would cost my family more to bail me out of jail. She then told me the best way to send the money was thru money gram. I went on the morning of XXXX XXXX, XXXX to the Walmart on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; wired {$1000.00} to XXXX XXXX, to some XXXX XXXX, whom assumed to be some attorney working on behalf of some loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. This is a complaint and a request for a cease and desist demand directed to TransUnion and XXXX XXXX XXXX XXXX for unlawful credit reporting and re-aging. XXXX XXXX hold no legal or equitable interest in my property, and the account is time barred. 

2. Whereas, the CRA is reporting obsolete information as to account # XXXX which was previous account # XXXX, and are continuing to unlawfully use the re-aged account for more than 18 month beyond the date the account was scheduled to be removed from my credit file. 

3. XXXX  and XXXX, In response to a previous DISPUTE, correctly deleting the time barred account. However, TransUnion chose not to REMOVE THE obsolete ACCOUNT from my credit file.

4. Failure to comply with federal regulations by TransUnion credit reporting agencies must be investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). TransUnion representatives are fully aware that they are operating in violation of the law to benefit a purported creditor.

5. Please be advised that according to TransUnion 's historical records and XXXX previous trade-line, account # XXXX has been intentionally misstated as XX/XX/XXXX, which is two full years pass the previously reported date of removal. 

6. As proof see ( EXHIBIT-4, TransUnion credit report number XXXX dated XX/XX/XXXX ). It clearly and specifically shows in their own historical reports that the " ESTIMATED MONTH AND YEAR THAT THIS ITEM WILL BE REMOVED : XX/XX/XXXX ''. 

7. TransUnion has a duty imposed by 15 USC 41, et seq. to follow it own historical records that legally require the deletion of the above reference account # XXXX automatically. See EXHIBIT-8, results of XXXX  dispute investigation, and the CRA 's removal of the obsolete account record. 

8. I have reason to believe that the present CRA is operating on behalf of the debt collector to the determent of the consumer in this case. Therefore, I ask this agency to force compliance with the FCRA, and to compel XXXX XXXX XXXX XXXX to immediately cease and desist as to any and all forms of collection, and that the CFPB takes action against the CRA and the debt collector for pursuing disputed, unverified and time barred debt.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Hi, While trying to retrieve my free annual credit report from the three credit reporting agencies I 've consistently had insurmountable problems with Equifax. Every time I attempt to retrieve my report they state there is some error and refer me to using the regular postal mail. This time it was even more frustrating. I managed to enter Equifax 's dispute page for the first time and as I was correcting obviously inaccurate information as I hit the " submit dispute '' button the system kicked me out and then would not let me re-enter the page. Then once again it referred me to postal mail to correspond. As I had already passed the automated verification I know it was'nt a matter of me submitting incorrect verification information. 

This consistent hinderance to simple access is very annoying and it really feels like there is a flaw in their automated systems. 

Please let me know if there is anything I can do to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello I have submitted a dispute with Equifax to have some unauthorized inquiries on my credit report removed. The dates the disputes were submitted was XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I always wait my 30 days out to get results and I am getting the same results. There has not been an investigation and no paperwork has been sent to me from these creditors that have pulled my credit. Equifax is not even doing the work to contact these creditors because I submitted a dispute on XX/XX/XXXX and on XX/XX/XXXX the results were back in so there was no 30 day period for them to doing their job. I am at whitts end with this situation with no results and a fraud alert has been on my credit report several of times due to these unauthorized inquiries, but they have not removed them.

Company response to consumer: Closed with explanation