milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Premium Assets has called our # numerous times over the past few months. We usually are not home to get a call and most times they do not leave a message. Several times they left a message and it may be for an estranged relative. Two weeks ago i was home and answered the call and told the woman, who would not give her name, that they needed to stop calling our #. She said they would remove our #. Today at XXXX a woman called again. I told her again to quit calling our #. She asked why we never answer the calls. I told her it was none of her business and that the person they are calling can not be reached at this #. She became snippy and finally said she would remove our # from their list. I told her i requested that before ... she said again it would be removed. at XXXX she called again. and before she could continue harassing me I told her that I had just talked to her and since she did not take me seriously I was filing a complaint with the ftc. She disconnected the call. I am not happy being hounded for a debt that is not ours. Please review this claim and if possible please advise this company that if they continue to harass us I will be filing more complaints. On several messages they have left they have advised that we are going to be served with legal papers if we did not respond by XXXX that day. Well many of those days have gone by and no one has shown up at our door with papers. I am tired of them continuing to contact us. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with Rubin & Rothman, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I found out that  XXXX  has a judgement against me when I was trying to get a mortage ... .I knew nothing of this-it was a complete shock.On  XXXX / XXXX /  XXXX   a judgement was filed in court..I have tried calling and writing  XXXX , and no one answers me -- -- I do n't even know where this debt is from-I became  XXXX  10 years age so I always rent and have only got a car, so there is no big items I bought. There is also some lawyers on the judgement named  Rubin and Rothman  who I also tried contacting and again no answer. The amounts from the  XXXX  also varies. R and R has {$1200.00} per the  court  house -- -- - XXXX   is  a little over {$1000.00} ... ..How can I deal with these people -- Thank-you  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 12/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: What you are doing TransUnion is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and TransUnion, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency XXXX not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, TransUnion you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you TransUnion for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you TransUnion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (I do not know) with Direct Recovery Services, LLC (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Voice message attached. It violates FDCPA. The caller did n't identify the company she represents. purpose of the call and that the purpose of the call was for debt collection purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax had deleted XXXX XXXX XXXX XXXX account off my report now they reinserted it again on my report as of XXXX XXXX 2017. This account in the amount of XXXX was verified to be deleted. Now it 's back on again. I have been dealing with all 3 credit reporting agencies for months now. Once it has been verified to be deleted as it was it should not have been put back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX sold my file to AD Astra Recovery Services. This was paid and has been disputed with AD Astra several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with Telerecovery Corporation (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon looking into licenses to practice in my state and whether everything was current i noticed that telerecovery has a list of businesses listed. But the one that is a debt and collections agency, which is the one that is attempting to collect a debt, has an expired license and it has been expired since XX/XX/2011.Therefore they are not able to collect from me without a valid license.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a public record that reported a TAX LIEN on my credit file by Equifax. I provided them with a letter that said I had never a tax lien from the state of Wisconsin workforce development, workers compensation division. Equifax refuses to remove error from my credit report, stating the information they received supersedes any information I provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A bill for payment was sent to my employer 's former address. I had never worked at that address with the current employer and was unaware of bill. 

The bill was sent to collections and reportedly negatively on my credit report. Issue unresolved re : credit report after I provided correct address and insurance information. 

I want the delinquent status removed from credit report. 

I can not get anyone on the telephone at CMRE to resolve this.

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 11/15/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX ( and XX/XX/XXXX ) I received automated voice calls from Pro collect a collection company representing a former landlord. The automated messages were left on my cell. I called and spoke to an representative who then transferred me to another " supervisor '', XXXX XXXX. I told XXXX XXXX that I had received a call from this number, and she only confirmed my name. I only ID my name, and then she goes into it being a debt for the landlord, and provided the mini Miranda. Never verified last four of SSN and/or DOB. Provided the balance of the account. She asked had I received correspondence about the account, and I told her no. I confirmed my current address at that time, and never confirmed that this was the best number for me. I did explain twice that the number was a cell line, and she states that basically that meant nothing. She goes into providing me a phone number for her directly, the account number, and describes the methods of paying. She asked which one I would choose, and I explained that I would call back in. XXXX XXXX advised me that she would report my account as a " refusal to pay '' because she did n't give that ( meaning calling back ) was an option. At that point I identified that I being a former collector, and well aware of the laws, know that she could not do that. She was argumentative and at this point I terminated the call.

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 01-10-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I sent a domestic wire transfer to Coinbase Inc on XX/XX/XXXX 2018 for {$2500.00} from my verified and linked checking account. The funds have since been deducted from my checking account and show up as a past transfer. 

I have already completed numerous transactions using said account ( and linked debit card ) including a previous wire deposit not long ago ( which only took 1 business day ). 

Despite being more than 1 week later, the funds have not been made available in my corresponding Coinbase account. 

After opening a support ticket, I simply got a canned/generated response asking for the details of my transfer ( which were already included in the support ticket submitted ). This is simply a delay tactic in my eyes. 

This is an unacceptable procure of handing customer funds, especially given that the wire transfer was successfully sent 1 week ago and paying more for to have the funds available in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A company called Transworld Systems INC repeatedly calls my phone asking for my  XXXX   XXXX   XXXX  daughter for debt collection for  XXXX   XXXX  of {$5.00}. I have called the company directly to get this matter resolved and they continue to run me in circles. I have talked to 3 different people asking for them to provide reason and exclude my daughter out of this and they keep telling me it 's a mistake on their part for not switching over the information. I received paper work after 4 months of having them calling me repeatedly and I continuesly asking for the paper work. The paper work recieved says that they can not run an investigation for the amount owed and they still have my  XXXX   XXXX   XXXX  selected for collection. I did not receive any paper work before hand of the amount due. The initial phone call that I received about the amount due was the collection agency needing payment from my daughter around  XXXX  of  XXXX . This collection is from  XXXX  and I had no record prior for the amount due. My  XXXX   XXXX   XXXX  daughter has not recieved any paper work prior to the initial phone call either. They told me by law they did not have to send any information of the amount due before they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax said I had delinquency on my report. They also had a wrong score. Everything they told me was wrong, and I was denied a credit card because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Other transaction problem

Complaint: I tried to transfer my fund from my  XXXX   XXXX   XXXX  (  XXXX   ), to  m y Wells Fargo   Checking Ac count and it was rejected. The proble m, Wells Fargo  took the from my  XXXX  account but, did not put the money in my account. The money in also not in my  XXXX  account. This happened on Thursday,  XXXX   XXXX    XXXX  . Today is Tuesday,  XXXX   XXXX    XXXX  . I was told at first that my funds would be back in my  XXXX  account in 10 days, then it wa s 72  hours, now they are sayings 30 days. I ca n't wait 30 days s! Wells Fargo h as my funds but will not give my funds nor return them. I need my funds now! My rent and utilities need to be paid! I am under and eviction warning, I will loses my storage, I ca n't buy my meds. Please help! the amount in question is {$3400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i have been getting calls from Midland Credit Management. i have blocked many many numbers from them. They keep calling from different numbers and leave no messages. they call almost every day. it is really starting to become bothersome. this has been going on for way too long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Good evening, As a single mother with a household of XXXX ( myself and XXXX kids ) and a household income of about XXXX I have always found a way to hold up my end of the bargain with any financial agreements. Since setting up payment arrangements with the servicer of my student loan I have consistently made on time payments as per my agreement, unfortunately I was recently apart of a company wide lay off causing me to fall behind on my payments. It 's no surprise the servicer still expects payments! On top of this, per reading my recent annual credit report I realized the servicer has XXXX derogatory marks on all XXXX of my credit reports with each credit bureau. This hardship is emotionally draining as well as stressful, this has stained my credit causing lenders to deny me due to an error on their part reporting incorrectly. I desperately need a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Struggling to pay mortgage

Complaint: We already have a pending CFPB complaint that SPS has not responded to. In addition to that complaint, we are having issues with SPS now fabricating problems with our paperwork so that they can further delay our file. XXXX spoke with XXXX says need XXXX, need XXXX - did XXXX and submitted XXXX. XXXX with XXXX on XXXX - she confirmed XXXX and the " additional expenses ''. I sent in XXXX XXXX. Sent 1st lien approval on XXXX - resent to XXXX on XXXX while on the phone with him. No mention of needing XXXX. Sent in updated HUD XXXX due to SPS delays. XXXX with XXXX on XXXX - says still showing opened for a MOD review?! She was escalating the file on XXXX says we will have a reply in 48 hours. Called today - rep acts like there is no ESC, like file has never been sent to Investor and that no docs have been submitted. 

Today the escalations representative XXXX is telling me that they are still missing documents and that there is a pending counter offer. This has already been addressed - so now she says that although we used the SPS form we should have known to insert a signature and date on the pages of the XXXX that do not ask for it. I 'm not sure how we would know to do that or why they would n't put the signature block and date in there if that is what is required. 

I am now on the phone with a supervisor XXXX who says that was the wrong form ( although it was on their web site ) and that he will fax and e-mail me the form needed. That the previous rep was incorrect that we do not need to fabricate a section for a signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Apparently, Equifax, A Major Credit Reporting Company, allowed my personal data to be breached by hackers as early as XX/XX/XXXX of this year, is only reporting it now, in XX/XX/XXXX, will only provide free credit monitoring for a one year period, and I am not even allowed to sign up for this until next week. Possibly way too late for criminals to use my personal data. Then, as a provision of the short term free credit monitoring, I am required to waive my right to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I opted out of " debit card coverage '' from Chase when I opened my account. As of today, it is still listed as " off '' in my dashboard. This meant that I did not authorize Chase to overdraft my account for any reason. As listed in the description of the debit card coverage program, I should not be charged insufficient funds fees. This week, I was charged for XXXX insufficient funds fees. I tried to get the removed, providing them an explanation as to what happened with my card and asking for a little leniency since it 's around the holidays and money is tight for everyone. They said they would not remove them ( as this had happened once before in XX/XX/XXXX, and they removed the charges then ). I then remembered that my account was n't supposed to be overdrafted ever, and realized they were refusing to take fees off that they are n't supposed to charge me in the first place. I 've put in a request to have them removed again, reminding them that my debit card coverage is set to off, and have not heard back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working trying to keep my home for the last 6 to 8 yrs. It all started when my husband became ill, I had XXXX children in college. I went into bankruptcy and came out and asked for a modification, they took about {$10000.00} and the bank Wells Fargo decided I did not fit into their program because I made about {$85000.00} a year which was too much money. I had lawyers I have made payments every month and they took my money even through I was told after I made a company do research they stated my deeds, XXXX Mortgage had not turned over the paper work correctly to Wells Fargo and they have no deeds to the property. The lawyers did nothing and in fact one of the lawyers went to jail for Fraud Wells Fargo had hired to do their mortgages for XXXX XXXX. I been to court several times, the judge throws the case out asking the mortgage company to negotiate and they never do. Here I am again 2015 with the same issue with Wells Fargo stating I need to sell the home because I make too much money to fit in their program. I need help, I do not believe Obama put these rules into place for the middle class to suffer. All I want is they need to put the arrears in the back, bring the house value down to what it is worth and restart my payment.. The only reason it has been in arrears the last few years they refused to accept my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This unknown caller calls several times a day, and harasses me on the phone, and ask very personal questions. I need these calls to stop. The company is XXXX XXXX XXXX account # XXXX for a credit card for Walmart. There contact phone # is 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