milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I contacted Transunion on XXXX XXXX, 2017 @ XXXX informing them of the fraudulent inquiries on my credit report due to a computer glitch that was Transunion problem caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required 5 day notice prior to them being re added. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for 42 minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Transunion. I asked that the CFPB help me stop Transunion from victimizing me.

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 02/14/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been plagued with repeated calls from a debt collection company called Harris and Harris for close to a year. They call both of my land lines, often more than once a day, usually both line and a few times every week. Sometimes they ask for my son, who does not live here and is not connected to my address or phone numbers other than by last name. I have returned their calls and spoken with someone telling them that he does not live here and they need to find him on their own. If I see him I will give him the information but to stop calling me. 
To date, nothing has worked, I was called twice yesterday and so far once today. 
The phone numbers are XXXX XXXX and XXXX XXXX. 
Can you help please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Navient  XXXX .  XXXX   XXXX   XXXX , PA  XXXX  I am responding to your errant letter referenced above and enclosed for your review. For the record, the alleged consumer-reporting agency indicating the above loan is not [ mine ] or may be the result of identity theft is in complete error.     The referenced account is listed on my consumer reporting agency credit report and deleterious [ wrong ] information continues to be reported by Navient. Although the account is closed you have repeatedly reported that I was  90-120  days late on my payments.     This is incorrect. Further, I have repeated asked that Navient provide me the backup documentation supporting this claim, to no avail.  Navient  has refused to provide me any supporting documentation in furtherance of their claim. As you are aware, FCRA requires you to produce the information.     I am asking again to either square your allegation or cure [ remove  ]  the false information being reported to each of the  three  credit bureaus. Please reference below : CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. Navient, Formerly Part of  XXXX   XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception  XXXX   XXXX ,  XXXX .     What I am specifically referring to are the  XXXX   ( 90 )  and  XXXX   XXXX   (   120 )  payment history being reported wherein  Navient  falsely alleges I was late.  Navient  also reports that for the months  XXXX   XXXX   XXXX   XXXX  my account was paid on time. Given the history of the on-time payments, it was not possible for me to be 90/120 late in  XXXX   XXXX  respectively.     I am requesting that you permanently remove this erroneous reporting to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: this XXXX CARD Account Number XXXX Account Type Credit Card was paid in full

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX  did not give me results online as indicated it would.   Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year.   The contact form just accepts a comment, does n't take your phone number or email address for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Credit determination

Complaint: I. Did not request or authorize chase card to make any inquiries on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Credit card) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Letter from First National Collection Bureau, XXXX XXXX XXXX, XXXX NV XXXX, Dept # XXXX, Ref # : XXXX. Letter claims to want to collect a debt on behalf of XXXX XXXX XXXX XXXX, of {$64000.00} for {$19000.00}. They provide no proof of debt. In fact, their form letter say " Because of the age of your debt, we will not sue you for it and XXXX XXXX XXXX XXXX will not report it to any credit reporting agency. Then why harass me with their letters. The form letters are not tied to anything, just harassment for what? I want the letters and harassment o stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information 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 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've been contacted recently by a Debt Collector with the most smelly attitude on earth weeks ago, the. She recently contacted me again threatening me that I have til the XXXX to pay my overdraft of {$120.00} from XXXX bank. But when I received the letter last week Monday, XXXX XXXX the letter informed that I have 30 days. But having her contact me knowing that I am in school at the age of XXXX trying to pursue my career especially off of a different number with a local area code is really rude of her to do so with the same attitude. I tried to inform her to do not call me anymore but she hung up the phone. Which is really unprofessional -- she needs to go back to school and pay her own debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (I do not know) with Blitt and Gaines, P.C. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mo. XXXX, and their attorney, XXXX XXXX, of Blitt and Gaines, P. C., Attorney at Law, XXXX XXXX XXXX, XXXX, IL., XXXX, are trying to collect on an alleged debt that has reached the status of State of Limitation and are trying to collect on a debt that XXXX XXXX XXXX, failed to validate upon request in XX/XX/XXXX. They are also trying to collect on an alleged debt from someone ( that being me ) who is retired and have been retired since XX/XX/XXXX, an entire year before XXXX XXXX XXXX made their first attempt to collect. Also, XXXX XXXX of Blitt and Gaines has committed fraud by advancing a writing ( a fake judgement ) that they know is false with its intention to be detrimental to me by use of interstate communications.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SD).
Issue: Loan servicing, payments, escrow account

Complaint: I asked for a Payoff Quote on or about XX/XX/XXXX. Bank of America said they would send one to me, and also provided information in my account center regarding that I could obtain payoff information within the user interface. It indicated that I could obtain Payoff information on our Website by logging on, selecting Account Information from the Navigation Bar and selecting Payoff Information. This in no way was provided as an option on the website. I called in to customer service to obtain payoff information and was provided it over the phone, and they seemed to think that a payoff quote was sent to me via regular mail, but confirmed that payoff information and the navigation bar is not available. Bank of America should stop providing this documentation within the account center, as it is totally inaccurate, and confusing and very inconvenient for the customer that receives that incorrect information and looks on the website for a payoff quote. Account Center Letter indicates : Dear XXXX, Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your mortgage account. 

A payoff demand statement good through XX/XX/2016 was requested to be mailed to you on XX/XX/2016. Please be advised you may view your Payoff Statement on our Website. For Payoff information on our Website please log on, select Account Information from the Navigation Bar and select Payoff Information. Some loans may require special handling and are not available online at this time. To obtain this information please call XXXX, XXXX PST. A fee for this service may apply to some accounts. 

For further questions or if we have not fully resolved your concerns, you may contact our Customer Service Department at XXXX, XXXX, local time. 

Thank you for communicating with us electronically ; we appreciate the opportunity to be of assistance. 

Original Message : Please provide a payoff quote good through XX/XX/2016, with an itemized breakdown. Please provide a quote that considers that I 've made my XXXX payment ( so that amount is not included in the payoff because I 've already paid it ). 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 02/19/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MA).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX XXXX and Big Picture Loans solicited me and others in XXXX, MA for payday loans under {$6000.00} with an annual percentage rate much higher than the amount allowed in Massachusetts, without being licensed with the Massachusetts Division of Banks. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, sent me a flier by United States Postal service saying me and 451 people who specifically resided in XXXX, MA were pre-approved to receive up to {$400.00}. I took out the loan ( loan # XXXX ) and paid the loan off in the amount of {$1700.00}. During my loan with XXXX XXXX, they assigned the loan to Big Picture Loans XX/XX/XXXX. 
XX/XX/XXXX, after I paid my previous loan off, Big Picture Loans sent me a solicitation for another loan by United States Postal Service saying me and 34 other people who specifically reside in XXXX, MA were pre-approved for up to {$600.00}. I took out the loan on XX/XX/XXXX, which was approved for {$900.00} ( loan # XXXX ). This loan had an APR of 497.6312. After paying {$640.00} on the loan, I asked Big Picture Loan if they can NOT debit my account the following pay and allow me to skip a payment time because I was having financial difficulties. They told me they could wait until the next pay time BUT I would have to make 2 payments. I had to agree because I had no choice. They were not willing to extend the loan by 1 payment. After having problems with them remotely creating checks on my account without my permission, causing me {$60.00} in overdraft fees, I wrote them a l complaint letter. They offered me a settlement which I approved but they stopped taking funds out of my account. I revoked their permission to access my checking account by sending them a letter. 
I feel these loans were illegal because I have recently come to find out these companies are not licensed to do small loans in Massachusetts, and by these companies being aware of this but still soliciting advertisements via United States Postal Service, they were being deceitful and are liable for refunding all money that I have paid on these 2 loans in the amount of {$1300.00} plus the {$60.00} insufficient fees I was charged on my banking account totaling {$1400.00}. 
If the company would rather have the Massachusetts Division of Banks make a ruling on whether they owe me just the finance fees I paid or the full amount paid for the 2 loans which is {$2300.00}. I would be willing to file a complaint with them and let them make an accurate decision. I would also like a letter stating both these accounts are closed. 
I would like to have this money refunded to me within 15 days via express mail. Any correspondence is to be done by email or certified mail where it can be documented. These companies have cause me long term financial harm. I have enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Problem adding money

Complaint: I made 2 deposits into my accoount. The first was {$5000.00} and 2nd was {$25000.00}. The deposits were pending but never credited to my account. Coinbase does not respond to any emails or customer support on social media. They have effectively stolen {$30000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax is refusing to allow me to place a freeze. It is insisting on a written request. The information it is wanting me to submit in writing is no different than what was already provided on the online form. It provides no explanation. My wife and I are both working on the accounts. One went through no problem ( same addresses, etc. ). The customer help phone number simple says that department is not available. How much more damage would be done while waiting for the written response? Who will compensate me for all my lost time working on this issue? When did I ever opt-in to be an Equifax customer? I am damaged by this. I expect California to file suit against Equifax to recover the damage. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I made a deposit of {$15000.00} on XXXX/XXXX/2016. Wells Fargo has placed a hold releasing {$200.00} XXXX/XXXX/2016, {$4800.00} XXXX/XXXX/2016 and {$10000.00} XXXX/XXXX/2016. Since the deposit is presented during the mid-night processing of XXXX/XXXX/2016 and the funds are received by Wells at that time Wells is using my money without my authorization or paying interest during the hold time.

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 03-09-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Managing the loan or lease

Complaint: Hi, I want to seek help regardig my auto loan with Santander Consumer USA. We had the loan with them since XX/XX/XXXX. Up to now, my balance is still the same. We kept asking why did not go down for almost 4 years and my loan is supposed to end up this XX/XX/XXXX. It is a hard earned money and a waste of money finding out my balance isnt going lesser even i am paying.i might had late payments sometimes, but i do my best to paymy monthly and it is so ridiculous it isnt going to my principal for 4 years. Please help! 

Thank you and looking forward to hear from you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent letters to Portfolio Recovery seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have received several phone calls from a fraudulent group claiming tobe Macy 's and stating that I have personal financial business they needto discuss with me on behalf of Macy 's. I have since contacted Macy'sdirectly and I owe them no monies and there is no update on myaccount that they were privy to that I needed to be notified about. 
This fraudulent caller has continued to harass me even though I havenot answered since the initial phone call from phone number ( XXXX ) XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Checking Account at Bank of America-XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, an unincorporated voluntary association. On or about XXXX XXXX, XXXX a Bank of America Officer closed the account and credited the funds to another association, based on their claim that " the owner/signers of the account resigned, left town and ca n't be located ''. They had no account number, check book, debit card or any account documents. The Bank made no attempt to contact the signers/owners. The closure and money disbursement was UNAUTHORIZED. The Bank sent no notice or closing statement. To this day we have not received a statement. We went to the Bank in person only to be told that another account now had the funds and told us of the " left town '' claim. We filed a complaint on XX/XX/XXXX, copying XXXX XXXX, Retail Banking President, and Audit in North Carolina. Their response on XXXX XXXX was that we contact the other party and resolve our dispute!! or they would file an interpleader action in court and charge us for legal fees. Our dispute is with the Bank for failing to secure our account, following no customary procedures for account closure, conversion, and negligence. On XXXX XXXX we wrote yet another letter to XXXX XXXX and the XXXX XXXX XXXX asking where their disclosure agreement gives them authority to close our account based on the deceptive claims of outsiders and without authorization or consent of the account owners ; they have yet to respond. When an unauthorized charge is reported on a credit card, funds are replaced almost immediately. I have never heard of a Bank asking the account holder to go " work it out '' with the scammer.

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