milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 sent multiple letters to Experian requesting proper validation of accounts listed on my credit report. Experian has blatantly ignored these requests. The accounts on my report keeps coming back as verified but I as the consumer have not provided with one shred of validation or verification documents which I specifically request in said mail correspondence. Under the FCRA I as the consumer am legally entitled to view the documents used in this investigation. My correspondence to Experian were sent via certified mail and proof of delivery is hereby attached below. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said accounts be removed from my credit reports and a updated copy of my credit reports with the items deleted be mailed to my mailing address. Thank you for your advanced cooperation.

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 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have bank accounts and other improper usage on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Medical debt) with The CBE Group, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from the CBE group today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I  am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX XXXX XXXX is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00} for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! XXXX also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where XXXX has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for XXXX account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, XXXX XXXX and The CBE Group! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to XXXX who then sold the accounts to The CBE group! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was offered a rehabilitation program by lender who advised if I completed this program my loans would be removed from default and they would update credit reporting agencies to reflect no late payments on my credit. I successfully completed the loan rehablitation program and was told after I paid on time for 12 months that they were not going to remove the default from my credit nor update the late payment status although the agreement shows that they will. They then advised me that I must pay the balance in full to have my credit update which was n't what was written in the orginal agreement.

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 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I cancelled a contract that dish network forged my signature on. They say I owe them money, but I do n't. Anfi started calling me last month. I sent them an e-mail on XX/XX/XXXX telling them to stop. They did for awhile, but now they started to call again. I am going to sue dish in court very soon and this will be settled there.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CT).
Issue: Money was not available when promised

Complaint: I sent two wire transfers of {$500.00} and {$2500.00} to Coinbase ( coinbase.com ) on XXXX and XXXX, respectively. These transfers were supposed to clear in 1 day. However, despite a week passing and three emails to their support, the money is unavailable. My contacts have been unanswered thus far. 

Coinbase account : XXXXXXXXXXXX Wire transfers info : Item # : XXXX Amount : {$2500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day Item # : XXXX Amount : {$500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 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: Information belongs to someone else

Complaint: My wife signed me up as an authorized user on her {$24000.00} XXXX XXXX XXXX XXXX. I no longer wish to be an authorized user on my wife 's credit card. XXXX and XXXX deleted the trade line. For whatever reason, Equifax refused to delete the trade line. I guess they are too busy with their glitch problem to do their job. I want the trade line deleted by Equifax asap! I am not responsible for this credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: Incorrect report of a credit card charge off. It was removed and placed back on my credit report the same day under a different company name. The XXXX was paid in full!!! This was not a charge off!! It was never XXXX XXXX. I want it off my credit report TransUnion practices unfair credit reporting practices and the credit they report is incorrect in addition to only reporting negative reports they are irresponsible more so than they make me look!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not give permissible authorization for this company to check my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the  bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - XXXX ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.

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 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.

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 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have been in the process of going back and forth with XXXX regarding a discrepancy on my bill. This issue has been mishandled from the beginning and I have been receiving the run around from XXXX for the past two and half years. 

SUMMARRY OF EVENTS I use my XXXX account to make a payment installment on my daughters tuition ( {$2200.00} ). 
One week prior to my due date I visit a XXXX location and pay my balance in full ( as per usual ) Come next months bill, I see {$220.00} was paid on my bill, {$1900.00} less than the amount I paid in full. 
Called XXXX right away and was told it was an error in their system which will be addressed in the next bill. 
In the next few months, I was constantly being told the same thing when my bill arrived. 
Started a case with XXXX and was given a case number. 
Called many times inquiring about the case and was told it was being reviewed or it has been escalated. 
Recently, I was finally told that XXXX is unable to rectify this issue and I would need to file a claim in court. 

Before this occurrence, I have paid my bill in full and on time with XXXX on a monthly basis. Since then, I would keep track of all my purchases and pay that amount only. I have cancelled the card and would like to finally rectify this issue.

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 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX 2015 I began disputing an inquiry from a company called XXXX XXXX on my experian credit report. I sent 2 letters to XXXX advising them that there was no need to pull my credit as such this inquiry they report to Experian was unauthorized. I also sent 2 letters to Experian regarding this and they have done absolutely nothing about this. I demand they remove this unauthorized inquiry off my credit report immediately. I am enclosing copies of letters I sent to both experian and XXXX with certified receipts as proof they received me correspondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Closing/Cancelling account

Complaint: On XXXX, XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Chase stating that they were closing my account because continuing the relationship would pose a reputational risk to their company. The letter did not give any more information. They stated for more information, I should contact them. I contacted their office on XXXX XXXX as soon as I received the letter and the woman on the phone was not able to give me any information. She stated she could not see why my account was closed. She then wrote an email to corporate to ask them to contact me. She stated they will contact me in 24-48 hours. I am still waiting for the call. I do not understand this decision, since I have between really good and excellent credit. I pay them on time and have not had an issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 3rd party collection agency FCBS calling multiple times and hanging up, then refusing to tell me why they are calling. Finally they disclose an attempt to collect a debt which was paid in XXXX 2015. I have advised them to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with ERC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt was sold several times in attempt to collect. This violates my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/26/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I opened an account with PNC bank under a {$400.00} checking bonus offer. All of the requirements were met in XXXX, and the required time has passed but the bonus was not honored. I contacted the bank and it seems as if they have, and possibly never had, any intention of honoring the {$400.00} bonus used to entice me to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with ASTORIA BANK (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to obtain a short sale approval from Astoria Bank - they ( Astoria ) demanded that they have short sale approval from all junior liens BEFORE they would even consider a short sale. I pressured the junior lien holder XXXX XXXX XXXX XXXX for their approval - which was granted on XX/XX/XXXX17. I am not being told that this file will take at least another 30 days for Astoria to review and consider for a short sale. It has been almost 2 months since XXXX XXXX approved the short sale - and Astoria is telling me it will be at least another 30 days before they will have a response. Can this be escalated???

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm 3 mos behind on my mortgage payments with Pacific Union Financial. I have a documented XXXX and so I do miss work occasionally because of the illness. My mortgage company was informed that my delinquency was due to illness. However, I have been told that I need to make a triple payment this month in order to prevent foreclosure, because I 'm in pre-foreclosure. My issue is that I called offering at least one whole payment, and was denied. They told me it is being rejected because I am being required to make a triple payment. Is there any way to disallow these practices? Especially for hardworking people who fall on hard times for one reason or another?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OK).
Issue: Problems when you are unable to pay

Complaint: While trying to make a past due auto loan payment at Ally Bank via phone. A supervisor took over the call and argued about taking a payment. I had been working with a person named XXXX. XXXX had been making contact with me in regards to my payments. Around XXXX this morning XXXX called to follow up about payment. I let her know that I was in the process of doing so. She informed me to make a payment and she will make sure that it was posted. After hanging up, I went to the online banking site and began making my payment. I needed to make two transactions of {$230.00} to make a payment of {$460.00}. When I made the first {$230.00} transaction and began to make the second the on-line system would n't allow another transaction to occur in the same day. In the error message line it suggested that I call for further help. So I did just that, I called back XXXX 's direct line. But she did not answer, another person named XXXX answered and explained XXXX had just went to break. After explaining the actions that I had took and that I wanted to make two transactions. XXXX explained that I would have to make a payment via third party with an included fee. So, I stated that I would make the other {$230.00} payment tomorrow. XXXX said that would not be acceptable and then placed me on hold. After about a minute of being on hold another person informed me that she was a supervisor named XXXX XXXX and then the call became different. She was rude and abusive and even eluded to be a legal expert. Even after explaining that all I wanted to do was make a payment. The supervisor constantly spoke over me and chastised me about my difficult financial times and not being able to make a timely payment. She continued even after I stated that my financial hardship was due to the downturn in the XXXX and XXXX XXXX of which I am a business owner. She also brought up a legal notice and during the conversation she stated it was " black and white ''. I asked if she was a legal person, she acted as if she was a legal representation and that I had no recourse or options. I also informed this Supervisor that I am a business owner and I too record my calls. After 22 minutes of this rude and abusive behavior payment was made and the Supervisor had no remorse for her behavior she even at one point told me she " did n't have time for it at XXXX. '' I was confused by what she meant by that, she did n't have time to resolve my issue and take my payment? This call was derogatory, abusive, and degrading when the only thing I wanted to accomplish was making a payment to clear up my finical issue. I have this call recorded and available for review, if needed.

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 10/30/2017 about Debt collection (Credit card debt) with Stephen L. Bruce, P.C. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was involved in a XXXX accident in XX/XX/XXXX in which I suffered a XXXX. I had been reported to a collection agency in XXXX. ( XXXX XXXX XXXX XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) date of first first delinquency and also when I missed my first payment. 2 ) Statute of limitations may not  validate the debt.3 ) Copy of the original signed agreement and balance on the account from XXXX to present. 4 ) What is the account number of alleged debt. 5 ) When was the last payment made on this debt. 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX XXXX XXXX are trying to collect a debt that s not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with the stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have express to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XX/XX/XXXX ) being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from XXXX XXXX, XXXX XXXX and have also survived a XXXX attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen.

Company response to consumer: Closed with explanation