milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Just now finding out about this bill, My wife who is XXXX XXXX and always had XXXX problems since youth, evidently got a credit card in my and her name and made charges, during a XXXX XXXX. Since then she has hid the bills and kept the phone, with the ringer cut off, never wanting me to use it ... constantly deleting messages. She stayed so upset, she tried not to let me know because part of her problem was she suffered from XXXX XXXX, because she constantly worried me and had hurt me before during her episodes. Her XXXX XXXX in the mornings were often over XXXX XXXX, and she clutched the phone deleting numbers and messages. Last Tuesday evening She literally left went to the nearest city and got on a bus to XXXX Arizona ... I have not heard from her in 7 days and feel she is in possible danger. She is one of the sweetest people I have ever known, even with all her problems. She was a person who could not tell the truth because she felt so excessively. I did not question her because it has in the past trigger episodes, she has been under Doctors care for year, including XXXX care. This evening I get home and see the phone completely fill with their calls and messages ... .and I see why she left, her state was so bad her life had become endangered. If she had n't left she would have died from XXXX. I am ashamed to think there are humans on this planet so hungry over a dollar. This bill was unknown by by me and now it will be paid, I have never really needed credit and have never charged anything on a card that could'nt be paid off in full by the end of the month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX account XXXX ..., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX XXXX account XXXX ...., FRUAD ACCOUNT. 
XXXX XXXX XXXX XXXX account XXXX ...., account was used to commit FRAUD. 

THE INQUIRIES BELOW ARE NOT MINES AND SHOULD BE REMOVED. ATTACHED PROOF OF CAR DEALERS SUBMITTING WITHOUT MY APPROVAL TO SERVAL BANKS. 
he following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : 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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am a victim of the recent Equifax credit breach. 
I have therefore already frozen my credit through all three credit reporting agencies. 
- Today ( XX/XX/XXXX ) I tried to get my free online credit reports from XXXX for 'all three ' reporting agencies. I did receive free online reports from XXXX and XXXX but ... NOT Equifax. 

XX/XX/XXXX Equifax did NOT provide my free online credit report and sent me to a page that says " Online Delivery Unavailable '', even though I had already answered a series of identifying questions correctly to Equifax online. 

I am entitled to a free annual credit report from Equifax via XXXX. 
Equifax needs to cooperate and give me my free annual credit report, it 's the LAW! 

Especially after the recent Equifax Data Breach, for obvious reasons I have absolutely no desire to Expose even MORE Personal Identification via means other than what I have already provided via XXXX. 
XXXX now has Equifax checked off as having given my my annual credit report ( EQUIFAX HAS NOT PROVIDED MY FREE CREDIT REPORT ). 

I need my credit report from Equifax, I am doing my part as a consumer to protect my information and trying to get my free report, Equifax is NOT doing their part!

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Other debt) with The CBE Group, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original debt is from the y ear  XX/XX/XXXX , yet my credit report states the debt is from  XX/XX/XXXX . This debt has been illegally re-aged. Additionally, it appears that there other inaccuracies on this debt as well. T he company is THE  CBE GROUP INC

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 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed account # XXXX with AFNI on XX/XX/2016 and sent my dispute certified mail requesting validation of this debt. AFNI failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XX/XX/2016 and I have not heard back from AFNI, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, i will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I Refinanced my auto loan from 11 % to 3.99 % with XXXX after realizing that my credit was not as bad as I was told by the car dealership where I purchased the vehicle on XXXX/XXXX/2016. On XXXX/XXXX/16, I overnighted the payoff to Capital One Auto and it was received on XXXX/XXXX/2016. I am in the process of buying a home my credit score dropped almost XXXX points due to Capital One not updating the credit reporting agencies. I also have requested that they notify the Credit Bureau that the loan was paid in full so they can update my credit report to show only XXXX loan. and have requested Capital one to fix the issue and they are putting the earnest on me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed with Equifax and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with XXXX but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX? ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I applied and provided {$3000.00} to obtain a secured credit card in XXXX 2017 from Union Bank of California. The card was stolen from the mail. The closed their investigation on XXXX XXXX, 2017 in my favor. I called today to get the status of my card and they advised that I was was delinquent on my account and that I could not receive my card until the bank investigates further which may take another four days. If I had not of called the bank on XXXX/XXXX/2017 I would never of received my card.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (OK).
Issue: Taking out the loan or lease

Complaint: My loan is not correct. Exeter Finance will not even attempt to assist. I have a contract from XXXX that has a loan financed amount and payment amount. Exeter says my payment is over {$300.00} more per month and says I owe way more that I financed. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I undertook a loan online from Spotloan in XX/XX/XXXX. Unfortunately, due to unforseen circumstances I fell behind in payments in XX/XX/XXXX, at this point I realised that I had paid a huge amount to Spotloan in payment of the loan ... ..to date, a total of {$990.00} on a {$500.00} loan. Looking i to this, I have realised that I was hooked into a an interest payment in excess of 400 %. On further research I found this company is not liscenced in California and their interest rates violate the California Usury laws. In addition, they have been robo-calling my cell phone several times a day, which in otself is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt is not mine and I would like it to be removed. It is impacting my life in a negative way. The name on the account is not my name and it is spelled incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently became aware of an entry on my XXXX report. I moved from California in 2010 and advised the post office of my change of address. The agency purports that I owe money for services I do not recall having. I asked for the original creditors name and phone number and was refused. Additionally, the phone numbers they claim to have reached me on are all not mine. When I disputed this with the creditor and asked that they show proof, they re-aged this account on my credit report. They failed to report this as a disputed account FCRA Section 623 as well as re-aging my account. 
I am asking Experian to validate this purported debt and remove from my report.

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 03/15/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Sears is reporting that I have a {$5300.00} collection account owed to their company. I have never had a Sears account in my name. I have contacted Sears and even submitted an FTC fraud affidavit almost two months ago, but I have not heard back from them. Meanwhile, this erroneous account still reports on my credit report.

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 11-09-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (IL).
Issue: Trouble during payment process

Complaint: Specialized Loan Servicing is clearly manipulating what goes to principle and what goes to interest. This is show in their monthly statements. Anybody running a amortization schedule for XXXX fixed rate loan at XXXX term of 180 months amortized over 360 months can not have a payment of XXXX that the entire amount goes to interest. That is mathematically impossible. Yet, my payments does exact that as shown in statement for XXXX XXXX. I am around the XXXX to tenth year of loan. What is prevent this company from saying one cent goes to principle and rest goes to interest. This practice must stop before more consumers are harm by possible illegal practice, which force people into balloon payment when their settle statement might say else wise. This has been going for months

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX XXXX, XXXX, I tried to get my FREE credit report from Experian and was given the following message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX I sent the Request Form by US Mail on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX have yet to receive my report. Attempts to contact Experian have been fruitless since they apparently provide no telephone access except to purchase a report, not to obtain the status of a requested report. The form I sent in states my request should be processed within 15 days and then mailed to me. It has not ...

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Radius Global Solutions LLC (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

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
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There was a previous reporting on my credit report from tropical financial credit union which was resolved and should have been deleted. When I disputed the item it was then placed back on my credit and I lost almost XXXX points on my credit. Please get this item removed from my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: this is our offer from ocwen loan co. for a trial modification. our interest rate goes from 5 % to a bit over 2 %. our payments were XXXX a month, 4 yrs. ago when we first started begging for help.now they will go to XXXX a month with our principle balance going from XXXX to XXXX and at then end of term our balloon payment will be XXXX so i ask you do we lose our home now or do we lose our home when we are old and cant even work probably. if i sign this so called agreement with ocwen does it forfeit my rights to sue them? and if i enter into this agreement with them so we dont lose our home does it make all the wrong things they have done, like just this yr. signing off on our paperwork at the XXXX co recorders office, be ok? if we sign the agreement to keep our home are we losing our rights to sue this co?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. I N  XX/XX/XXXX  M Y IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN  XXXX   XXXX  NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED.   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX , EQUIFAX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR  TAX YEARS  XX/XX/XXXX - XX/XX/XXXX . HERE ARE MY CONCERNS.     1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I  HAVE 19 YEARS OF STATE ISSUED ID FROM ALAB AMA 3. I HAVE COLL ECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM   XX/XX/XXXX - XX/XX/XXXX .  HOW IS THIS POSSIBLE IF I WAS IN  XXXX   XXXX  NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL  XXXX  CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Federal student loan debt) with ConServe (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Accepted a student loan for the spring of   XXXX   on   XXXX   XXXX   XXXX  . All but {$90.00} went towards paying tuition at  XXXX   XXXX   XXXX   XXXX . On   XXXX   XXXX   I withdrew from classes, and moved back to  XXXX , TX. I was told by the college that the money would go back to the loan servicer. Received a letter in   XXXX   XXXX   stating that since I had withdrawn from classes, I needed to pay the student loan that was disbursed, in the amount of {$1800.00}. I never received the full amount, so I called  XXXX  and asked them what the letter was about. I was told to ignore it, as it had been sent in error, and they could see that my loans were in good standing, as I have consistently made payments each month. In   XXXX   XXXX  , I received another letter stating that this account was going to go to collections, and that I needed to pay it in full immediately. I called again, and was told I needed to fill out a loan discharge packet. I sent this in   XXXX   XXXX   and was told that they had received the information, and they were going to discharge the loan. However, it was still on there in  XXXX , and subsequent calls to the   XXXX   XXXX   XXXX   did not produce the same response. They acted as if I had never sent in a discharge form or packet of information. They marked me as late on making payments in   XXXX   XXXX   despite me making a timely payment. So I sent another  XXXX . I then called the collections company to see if they had received the information, and they said no, so I sent them a copy as well. I was told I would hear back from them in a couple weeks. A couple weeks went by, and no calls. All negative items are still on my credit reports. Called the Department of Education on  XX/XX/XXXX , and they said they are still reviewing the information, and I should hear back in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received at least 2 phone calls a day for the last 2 months from different numbers saying I owe a debt to XXXX ( that I am not sure I owe ), when I or my husband ask who is calling I get no response, I asked them to send me a letter verifying who they are and have not received any letters. They very rarely leave voice messages but threaten my credit and legal action when they call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing disputes

Complaint: Regarding Wells Fargo, XXXX XXXX credit card number XXXX that is apparently 8 days late. According to Wells Fargo I missed the last payment of {$46.00} due on XXXX/XXXX/XXXX. Payment history is XXXX/XXXX/XXXX - {$50.00}. XXXX - {$100.00}. XXXX/XXXX/XXXX - {$100.00}. XXXX/XXXX/XXXX - {$92.00}. The XXXX XXXX payment according to my records was the last payment due to Wells Fargo. 

On Sunday, XXXX/XXXX/XXXX while eating dinner with my family I received a call from Wells Fargo representative XXXX ( ID # XXXX ) attempting to collect the debt of {$46.00}. To my astonishment I quick signed into my online banking portal to assess why this past payment was not made. After explaining to XXXX that according to my records all payments were made ands the debt was satisfied he declined to waive {$240.00} in penalty interest. I requested to speak with a supervisor, XXXX ( ID # XXXX ) who also failed to make any exceptions to the penalty interest. 

After learning the last payment of {$46.00} was accidentally not sent, I immediately triggered a payment to be sent on XXXX/XXXX/XXXX however this was not satisfactory to XXXX or XXXX. This is the fleecing of America. 

Respectfully requesting regulatory support to identify a genuine honest mistake for the relief of {$240.00} in penalty interest. 

This is simply not fair. Anyone with common sense will see that this was a genuine mistake.

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 02-05-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I opened an account in XXXX on XX/XX/XXXX. I transferred XXXX to Coinbase, and I bought a virtual currency ( about XXXX Ethereum ) on XX/XX/XXXX. 

That same day I tried to transfer that virtual currency to another platform ( XXXX ) and my account was locked.XXXXI opened a support ticket, and I got an automated reply on XX/XX/XXXX. After that I got another reply on XX/XX/XXXX, saying that there were going to investigate it. It's been more than 3 weeks since that but still no answer. 

Following their instructions, I didn't open another ticket. I just replied the support email a couple of times to see if they were doing something but still no response.

Company response to consumer: Closed with explanation