milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: I closed my Coinbase account a few weeks ago and asked to have a check cut and mailed to my residential address, which they have on file. That did not happen so I opened a second support case, asking again, please cut a check and mail to my address. Not only did I not get a response to either customer support case, the second case was apparently erased from their records. The amount of money involved is relatively small. However, I had also asked them to delete all information about me in their DB as they appear to be a very amateurish operation. - scary for a " financial institution ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (I do not know) with Alorica Inc. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly " I have your Social Security Number now you need to verify it for me. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Payoff process

Complaint: Credit cards often charge interest after the balance is paid off in the time allowed. I write them and they credit the interest to XXXX out the account. However, this is the third time in about 5 years this has happened to me. My concern is the untold millions of dollars or more that credit card companies collect by this practice. I strongly urge you to investigate, recover the money and return it to the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Went to Exquifax website and put in my " last name '' " SSN '' and " birthdate '' and it report that they did not have a match for data submitted ... .So unable to enter the site and get free credit report of find out I 'm one of the 143 million people compromised! Help!
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian would not let me authenticate my credit account so I can review it for inaccuracies. The woman I spoke to on the phone said I would have to pay XXXX dollars a month in order to view what is reporting on their data, and dispute it, which is illegal.

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 06/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: What is this complaint about? I just received an email on  XXXX   XXXX ,   XXXX   that I have a payment due. I did not receive correspondence fro m Navient indicating  that I had to make a payment.     : What type of problem are you having? I am still unemployed and I am uneligible for unemployment so I sent Navient an image of my unemployment account to proove that I dont have income coming.     : What happened? My  " Navient Accou nt states that I am late on and missing  XXXX  loan payments What company is this complaint about? The complaint is a bout Navient Wh o are the people involved?  XXXX   XXXX  an d Navient I w ould like all deragatory information removed from my account. Why doe s Navient have the nerve to mess up my credit report by sending me a late notice about my account and second I am not working.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams using XXXX Indiana serial Numbers of my great great grandma and grandfather fraud as business permits and ids scams and parks and school 's and building signage as court business permits and lawyer 's scams and doctor 's scams and others internet scams

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when XXXX took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but XXXX has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that XXXX has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: WELLS FARGO ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: Went to Wells Fargo to open an account with a representative, explained to her I came to the bank to open an account to receive direct deposits from my job. I excplictely told her I only want a checking account. About 3 weeks later I get notices in the mail and I see I have a savings, and a line of credit open. I call in to Wells Fargo and explain the whole ordeal and was very frustrated. I got my account removed. 

I went into another branch because I did n't feel comfortable anymore in that store. The agent told me I was not able to open anymore line of credit for a long time. 

I should not be punished for closing an account, when I had no idea it was open in the first place

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 09/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: My score drops about XXXX points ( from XXXX to XXXX ... ) for a month, there are some things that do n't make since ... 
My Credit Card Utilization - XXXX from XXXX XXXX, {$10000.00} Limit / {$8500.00} Used - it is 24 months interest free, but it is count as real credit card ... 
XXXX from XXXX - that XXXX is for 60 months interest free, but still counts as real credit card ... 
Credit Inquiries - I get a new mortgage this spring from XXXX XXXX, for some reason they have XXXX Credit Inquiries for the same thing .... 
in the same time, another bank run another Credit Inquiry fro the same thing and I only has been asking for quota ... 
I really do not remember asking XXXX and XXXX XXXX for anything and why they issued Credit Inquiries ... 
So, without even a late payment on anything, my score drops XXXX points, I do not think this is fair ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: credit discrimination i recently disputed XXXX debts that should have been taken off of my account, they credit bureau ( trans union ) is failing to remove the bad debts. There was XXXX creditor removed but I only received XXXX points added to an already XXXX. My credit score should not be this low because all of my debts have fallen off or have been removed. transunion is discriminating against those who either complain about their credit reports or XXXX. My credit score with equifax went up XXXX points with XXXX debtor removed. 
not sure if transunion knows the XXXX background of those they follow but this should be looked into.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on XX/XX/XXXX National Credit systems responded to my proof of validation letter by sending be a packet and my signature has been forged. I sent a letter back stating that it is my signature is not the signature on the paperwork that they sent me. I also sent proof of my signature via drivers license and other signed documents. NCS ignored my letter. I called them several times to ask who signed my name on the paper and the represent ivies that they transfer to me will start to yell. I Sent another letter asking for validation of the signature and validation of the contract, They sent back they same exact packet that they sent before dated XX/XX/XXXX. This is not my signature and also not a valid contract. A Contract must show valid signatures of the parties to the Contract instrument, in order to verify its validity in law. Contract must be a deliberate and conscious agreement made between competent parties. there is only one signature on this " so called '' contract. Also, the lease expired on XX/XX/XXXX I then went on a month to month lease with the company and worked for rent. This paper that NCS sent me states that the reason that I moved out was because I no longer worked for rent. NCS must prove that I owe XXXX to them or any company that they are representing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan modification,collection,foreclosure

Complaint: See the following attachments regarding the short sale in XXXX for property we owned in XXXX, NY : 1. Letter XXXX from Wells Fargo - Short Sale Approval. 
2. XXXX Statement XXXX Wells Fargo - XXXX loan balances shown. 
3. XXXX Form XXXX {$140000.00} for Mortgage Loan - XXXX. 
4. XXXX Form XXXX {$79000.00} for Home Equity Line of Credit - XXXX. 
The total is {$220000.00} for both XXXX Forms XXXX See page XXXX of PMA Statement for Loan balances totaling {$500000.00} + {$91000.00} = {$590000.00}. The Short Sale Approved was {$390000.00} shown in the Wells Fargo Letter dated XXXX XXXX, XXXX. The loan balances less the sales price equals {$190000.00}, which we were anticipating the total for the XXXX Forms XXXX, not the total {$220000.00}. 
After many transfers to different departments, I spoke to several persons on XXXX XXXX, XXXX requesting proof of how the XXXX Forms XXXX were calculated. I was told that a " Work Order '' would be sent to the department which issued the Forms XXXX so we would receive the information in 10-12 business days. 
As of XXXX XXXX, XXXX no information has been received from Wells Fargo.

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 08-03-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: They filed a response to my complaint in Case number : XXXX stating " We have also updated our records to reflect that you do not wish to receive automated calls to the cell phone number you identified. '' However, I recently filed yet another complaint that they were calling my cell phone 8 times a day. They claim it is their right. I explained if a person answers you CAN NOT keep calling them. The most recent Case number : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: This company has had numerous of attempts to fix my identity theft problems for months and now all of a sudden this breach has made it even more harder on me and my family with the identity theft. I have over 20 identity theft accounts on my credit report and over 40 something inquiries that I did n't authorize and 4 public records that are not mine I have never filed for Bankruptcy and this company still had n't done anything to fix all these issues. If this information is not updated and removed within 30 days I will fill a class action lawsuit for emotional distress and not investigating properly. I ca n't even get a job because all of the errors on my credit report. This company got breach because they are a sorry excuse for a credit reporting agency and they all should be fired. They hang up on people all the time and never really investigate anything.i have sent all my police reports and fraud affidavits to this company over and over and I would like freeze placed on my permanently and sent a code to unlock it when I want too

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 11-03-2015 about Credit card () with SUNTRUST BANKS, INC. (FL).
Issue: Advertising and marketing

Complaint: i paid XXXX for services i did not receive.i was repeatedly promised i would get a website that would be very profitable.i know this business never planned to provide the products or services promised me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Who may concern.. 
Hi..I have more than XXXX CREDIT INQUIRES ON MY CREDIT REPORT! I 'm going crazy! I 'm a single mother of XXXX boys ... I have XXXX XXXX! And this CREDIT INQUIRES ON MY CREDIT REPORT, ARE KILLING ME! I ca n't even rent a Apartment for me and my kids!!!!! I need your help! Please help me?? 
Thank you for your time and support

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with DataMax Corporation (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a rental property in XXXX that was empty for a short period of time in XXXX 2015. The utilities were supposed to never be transferred in my name ( due to an incoming tenant ) but apparently were because XXXX XXXX billed utilities to my account. XXXX XXXX has both my phone number, email, and address but I received no calls, no emails, no letters at my address in XXXX and the tenants have stated they received no letters for bills or collection notices in my name. 

On XXXX XXXX, a derogatory remark hit my credit. I called within the hour to XXXX, who directed me to the debt collection agency. I still have not verified the debt is valid ; however, given that despite having my phone number, email, XXXX and XXXX address -- - and no notification being received on my behalf, I would pay a legitimate debt owed within the hour of notification, but I need the derogatory remark removed since I was never informed of this debt. 

The debt collection agency claims they mailed letters to my XXXX address ( however, both my tenants have affirmed they never received any mail in my name ), and I even pointed out they had my email and phone number and could have contacted me. They did not care, claimed that regardless what I said or what I did, they put a letter in the mail and they would not be removing it from my credit report. 

I have never even paid late on a single bill that I have been notified of, let alone had something like this happened. If XXXX XXXX or the collection agency had conducted any level of due diligence into proper notification ( utilizing email, phone #, multiple addresses ), and notified me that I owed them money and why this would have been paid and settled within hours. 

This should not be on my credit nor remain on my credit report as a derogatory remark given the circumstances ; however, the collection agency has notified me that regardless what evidence, what information I provide, or what I can prove they will not remove it from my credit. 
The company 's phone number is ( XXXX ) XXXX, the lady that I 've mostly spoken with is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Well over 2 months ago, I contacted the credit bureaus to correct an error on my credit report. XXXX XXXX responded a long time ago, removing the error. Unfortunately, I have not heard anything back from Equifax or XXXX yet ; despite several attempts to follow up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2018 about Debt collection (I do not know) with MRS BPO, LLC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/2018 I received a notification from XXXX  and XXXX that MRS BPO LLC ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) has flagged my account as a Collections account for the amount of {$230.00}. Prior to this they did not contact in any way, shape, form or fashion to give me a chance to dispute this account. I have no idea of what this account is for. This has caused me credit score to drop drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent this company a letter asking for their license stating that they are licensed in my state to collect. I asked for them to send me a calculation to prove the amount that they state is the correct amount of {$110.00}. I asked for them to send me a copy of their assignment to the debt they claim I owe.

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 CarFinance Capital LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my XXXX report Car Finance is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact XXXX to dispute online but they are having system problems as well as a data breach issue. My score has dropped 50 point because of this incorrect, inaccurate reporting. Please help thank you!

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