milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX .   XXXX   AND TRANUNION IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS..
  XXXX   XXXX   NOT SHOWING UP TO DATE STATUS AND BALANCE   XXXX   XXXX   CREDIT CARD. NOT CORRECT BALANCE   XXXX   XXXX    CREDIT CARD. NOT SHOWING CORRECT BALANCE  XXXX  CREDIT CARD,  XXXX ..NOT SHOWING CORRECT BALANCE   XXXX   XXXX   XXXX   XXXX   XXXX   PAIDED IN FULL   XXXX   XXXX   XXXX   ... PAIDED IN FULL   XXXX    CREDIT CARD.. INCORRECT BALANCE  XXXX  CREDIT CARD.. INCORRECT BALANCE..
  XXXX   XXXX   CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL  XXXX  REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION

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 06/22/2016 about Student loan (Non-federal student loan) with ECMC Group, Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loans were part of a chapter XXXX bankruptcy that was discharged in 2014. Initially, the amount outstanding claimed was {$1700.00}. Soon after, Educational Credit Management Corp. added approximately {$8000.00} to the balance for " fees ''. It is my knowledge and belief that this is illegal, as I understand that the CFPB has enforced proper sanctions in similar situations. My loans are 30 years past due. I never was able to obtain employment as a result of my education. I am unemployed now. When I attended school my program that I was enrolled in was terminated by the school so that I could not receive a degree in that program. I will be applying for dismissal/forgiveness of my loans through proper channels. I ask that the board act on this complaint to resolve the immediate issue of improper debt collection practices asap. I also request suspension of debt collection activity as well. In addition I request that my tax refund offset of {$1300.00} be sent to me from this debt collector which it has recently collected from the IRS.

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 Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Good evening, I recently opened an account with a company called Coinbase.i gave all of my information via the internet i.e. Proof of I'd, bank details, address etc. All was ok. 
To verify my bank account they asked for a small amount to be deposited which I did, after three weeks of trying to get in touch by email and phone I have given up. The last email I replied to I sent a copy of my bank statement showing the money had left my bank account, my bank also confirm it has gone into The coinbase bank account. I had an email from a gent called XXXX who said it would be sorted out, but still not. My bank is still showing unverified on my coinbase account so am unable to transfer any of my money from them.I am a XXXX citizen and am regulated by the XXXX. Who regulate finance and banking within XXXX and in my line of work this would never happen. Please can you assist as I'm running out of patience. 

Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: First contacted XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: For the last year and a half I have been trying to life a security freeze on my credit file. Repeated interactions with Equifax have been unsuccessful, but they have made it plain that if I PAY them to take the freeze off, they will find a way to do it. Most recently, XXXX XXXX, 2017, I called to find out what hoops they wanted me to jump through on THIS attempt. They had me confirm a lot of information, including a credit card account -- the company name and credit limit -- and the name of the company handling my car loan. I did. Then they tell me they can lift the freeze and will send notification to my address -- an old address, which they say I have to send documentation to them through fax or snail mail. This despite the fact that the address for the companies they required me to confirm I have accounts with all have my current address. <P/>Last year I tried to get the freeze lifted, and they repeatedly rejected all the paperwork I sent them, insisting each time they needed something different. AND all of that was at an address different from the one they say they have for me. There was more than enough information in those packages to update the address, yet they did not do it. <P/>I placed freezes on all credit account YEARS ago, and both other major bureaus lifted the freezes LONG ago. <P/>I can not understand why this company is insisting on ONLY accepting from individuals that information that is send by snail mail even when the information fed to them by creditors is not send by snail mail, and why if they are going to collect credit information, they can not request current address information as well!!!! <P/>This is an example of a large credit bureau routinely XXXX  the consumer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My husband and I co-signed XXXX loans through WF when our daughter started college in 2010. We were VERY hesitant about c0-signing, but since the financial aid she was receiving was not enough to cover the cost, we felt like our hands were tied. We were assured it was relatively easy for the student to remove us once she graduated and began repayment. Here we are 6 years later, she dropped out of university, went to a XXXX college, incurring more student loans and left that without a degree. She works for minimum wage, married to a guy who refuses to work, and she has decided that she does n't " ca n't '' pay the loans. Which means WE are now paying the WF student loans we co-signed and she has no intentions of repayment. Her husband has said " let your parents pay it. '' I am a XXXX and have my own student loans that I will be re-paying until AFTER I retire. AND now I 'm stuck with her loans. I am frustrated because I feel like this system is enabling my daughter to be financially irresponsible. If she does n't pay, we have to pay or our credit is affected. We pay her loan and her credit looks great. I am aware there are thousands of other parents who are stuck paying their adult children 's education loans, further enabling this generation to be drop-outs and irresponsible. Are there any solutions? Why wo n't WF go after HER for payment, instead of forcing us to pay? Are there any programs available for parents in our situation? We know that when we co-signed we were legally agreeing to pay in the event our daughter could not, however our hands were tied. Federal financial aid said we were responsible for paying part of our daughter 's college education ( which is ridiculous - I 'm a XXXX in AZ! ), and in an effort to be supportive of her furthering her education, we felt guilted into co-signing her loan. Afterall, did n't we want our child to be a part of the American dream and help her succeed as a responsible citizen? Now I see this whole situation as a means of entitlement for this XXXX generation, and the government and financial institutions are encouraging their lack of responsibility. Why ca n't Wells Fargo go after my daughter, garnish her wages, hold her accountable? Why does the government expect parents who are making ends meet expected to pay thousands of dollars per semester for their children to go to college - especially when they are trying to repay their own student loans? There has to be a solution for this. Is there a grass-roots movement out there working to change this? Parents should not be responsible for paying their ADULT children 's educational loans. Why ca n't WF force my child to pay her debts?

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was a victim of XXXX 's inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Exeter XX/XX/XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XX/XX/XXXX I made a payment to pay my XXXX XXXX account. The payment was not received. I did not have to make a payment over the phone amid this because I filed a complaint over the phone with XXXX XXXX. Upon calling the investigation of the XXXX XXXX took two months. During this time I waited and did not make any payments because I was told that the payments we 're going to be refunded and plus I made the payments. I just waited for those reasons to make the payments. The result was that XXXX XXXX lied, and what happened when I called the bank about this was the dispute took two months. After filling the complaint there was nothing left to pay because I made the payment. XXXX XXXX charged me for two months nonpayment and then charged me a late fee as a result. The next billing cycle I called to get a PO box for the payment and was given a PO box number. I set up my bill payment to go to that PO with XXXX XXXX and that was it. I began getting calls a month into the next billing cycle about nonpayment and the calls did not end for two weeks. The calls ended in XXXX upon a XXXX dollar payment through XXXX XXXX bill pay. Once the update about the payment not going through was recieved, XXXX XXXX, said they never received a payment for my XXXX XXXX account. I asked why were n't the payments received. They told me that they did n't receive the payments because of the bank. This was the second time in four months they used the same tactic to get the money before the business month ended. I end up paying XXXX dollars the XX/XX/XXXX and the payment was set to arrive the XX/XX/XXXX. Initially, I the payments were n't received and XXXX XXXX charged me another XXXX dollar late fee. Totaling XXXX dollars again for failure to pay. Over a year 3 years this company has done this to get the money before the end of a payment cycle. My credit has been devasted due to late charges from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Payday loan debt) with Clear Debt Solutions, LLC (NV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX   XXXX   XXXX   XXXX   fr  om  a company called  CDR called my  cell number and my work number to inform me of a debt. Calls were made to my extension at work and several other classroom extensions and the office. He informed all these people that he was a collection company, gave everyone my file number, and told them this was attached to my social security number. I contacted  XXXX   XXXX  and told him to NOT contact my work or work colleagues. I also made payment arrangements for 3 payments.   End of  XXXX  to beginning of  XXXX   XXXX   XXXX   XXXX   from CDR called m y cell number, my work number, and several work extensions leaving messages that referred my file number, and again that my file was attached to my social security number.   He even called the personal cell number of my principal. He has never disclosed how he got this cell number, nor would he say that he would stop contacting my work or colleagues until I agreed to set up further payment arrangements.

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 08/25/2015 about Debt collection (Medical) with Capio Partners, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX of 2014 I pulled a copy of my credit report and noticed a collection for {$1000.00} reporting with a company called XXXX XXXX XXXX. Because I had no clue as to where this account came from or who they were, I requested documentation to validate the account was mine. XXXX XXXX was unable to do so and they sent me a letter deleting the account from all XXXX credit bureaus. Nowhere in this letter does it say they sold the account to a different collection agency nor did I ever receive any communication whatsoever from Capio Partners giving me 30 days to dispute the validity of the debt per the law. I called them on XXXX XXXX and spoke to XXXX of Capio Partners representatives and asked if they had ever sent anything to me in the mail and they stated they had not. They also never sent anything following that phone call since it was the first point of contact they are given 5 days to send a letter regarding the collection account giving me 30 days to dispute the validity. Instead I sent them a letter requesting validation and besides the fact that they never notified me of them obtaining this debt, they have an itemized statements of my supposed medical records but do n't have a HIPPA release with my signature nor a promise to pay with my signature. This is extremely fishy to me and the fact that they did n't follow the laws from the beginning means this debt is illegally reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have a copy of my XXXX letter along with a check payment to the bank front and backcopy to the President dated, XX/XX/XXXX. The Bank provides a total of XXXX documentsstating how far behind I am. The bank did not even deposit my check until XX/XX/XXXX. 
The bank is falsely reporting that my T-form is ineligible that I provided several formsof the T-Form. I also provided the T-form to the President of BAC, which is very clear to read, completed on a computer for eligibility in XXXX. The bank is providing severalfalse reports of what I actually owe, and what I actually applied for. 
The Bank also claims that I did not pay my repayment plan. I have the name of the employee who was on the phone with me with customer service to reverse the payment ; the employee indicated that she was just waiting for my T-Form, the very same T-FormI faxed, and sent to the President of BAC. Customer Service could not reverse the payment, unless there was approval of the loan department. I was on a XXXX way callwith the Bank, and Customer Service. 
Finally, I have been getting numerous harassing calls from BAC, which my phonecompany can prove how many times this bank has called me in the course of six months. 
I have recently had threats, of short sales and foreclosure information upon my property, which I have lived in and paid on time since XX/XX/XXXX. I have received a total of XXXX ormore documents form the bank most of which have been asking me for the same information over and over again, threats of foreclosure, wrong balance information due, etc. I am releasing all documents, names and phone records to the CFPB shortly. 
If the bank can not reach an agreeable ( mutual ) payment plan by the end of XXXX, I am filing a lawsuit against the bank, releasing documents phone records. names. 
letters, fax confirmations and XXXX tracking information to prove my case of harassment, and the bank providing false information to CFPB. Thus, has been very misleading, anduntruthful during this process, and should be fined, or sued. Clearly, the President of BACHome Loans has no interest and is fostering his or her employees to lie, harass, and continue to ask me for the same information. The bank has also put my credit in a bad status, which has increased my auto insurance, and caused other issues with my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received attorney advertisements regarding a lawsuit filed against me on   X/XX/2017     by Jefferson Capital Systems , LLC for {$250.00}. This is the first notification I received regarding the debt. I contacted  Jefferson Capital t o find out who they obtained the debt from and found out that this debt is from a closed bank account from  XXXX  with   XXXX    XXXX   XXXX . I have n't had any contact or made any payments to  XXXX   XXXX  since closing the account. The statue of limitations to collect a debt in the state of Texas is 4 years after the last payment was received. I 've contacted an attorney that will charge me {$350.00} an hour to fight this frivolous lawsuit. If I lose, I will have to pay  Jefferson Capital 's a ttorney 's fees as well. I plan on fighting this in every way I possibly can.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with ZIONS BANCORPORATION (CO).
Issue: Rewards

Complaint: In XX/XX/2016, XXXX had an offer for a new business credit card, the XXXX. The bank solicited me to apply for this card to replace an existing card I had with them. Part of the promotion was I would receive a {$250.00} cash back bonus if I spent {$2500.00} within the first 90 days of the issuance of the card. I did that. No bonus has been paid despite numerous attempts at contacting bank personnel. 

Today, I did receive and email denying that I was entitled to this payment based on a clause in the offer. The denial is in error. I NEVER receive any prior bonus on any Vectra account and believe that the bank personnel intentionally misled me when I applied for this card. I was never told this only applied to new accounts as the bank representative encouraged me to replace my existing card with them, i.e. she knew I had an existing credit card. She insisted I would receive the cash back if I followed the offer specifications. Clearly this was fraudulent behavior on the part of the bank staff.

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
Consumer complaint received 10/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I took out a payday loan from ACE when I was XXXX years old. I am XXXX years old now. They have sold and resold this debt and I have paid it off many times because they threatened to arrest me. Now 9 years later I keep receiving phone calls and harrassing letters threatening me again but this time with a civil lawsuit and reporting badly against my credit to the credit bureaus. I found ypur information when I starting researcging if this was happening to other people and found out that not only is it but there has already been an agreed upon settlement in XXXX. It is XXXX and they are still up tp the same tricks. I spoke with a lawyer about it years ago after I was done repaying and repaying and he said that a company will keep reselling a debt even after paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other service issues

Complaint: Paypal has been limiting, freezing, and holding random accounts so the money that 's in the account can not be used/accessed so they can use the money they freeze, to operate their business!

Company response to consumer: Closed with explanation