milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent several letters with exact information and mailed certified mail so I know they were received by transunion. After I sent the dispute including incorrect information I received one response with an automated " verified ''. I have sent XXXX additional requests for reinvestigation ( certified mail ) and have received no more information or responses. I believe my rights are being violated and completely ignored. This is a source of great distress. Transunion needs to delete XXXX XXXX XXXX XXXX XXXX XXXX I disputed the incorrect items and waited the regulated time 3 times over and then some. Transunion needs to delete these items permanently right away.

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 08-07-2016 about Consumer Loan (Vehicle lease) with WINN LAW GROUP, APC (CA).
Issue: Problems when you are unable to pay

Complaint: When my ex-wife failed to make payments on a leased car so I had the car picked up when we separated. XXXX XXXX turned us over to collection and in 2008, a judgement was was entered by XXXX XXXX XXXX , XXXX. The original damage was {$9200.00}. This amount was for the full price of the car. The car was sold at action for {$8600.00}, leaving a total of {$650.00}. 
I foolishly walk away from this mostly due to ignorance. In the meantime, I went through a divorce and XXXX and did n't have the funds to hire an attorney and did n't know how to handle this myself. Subsequently, my wages were garnished for a total of {$4200.00}, paying a 3rd party ( XXXX XXXX ) {$690.00}. XXXX XXXX XXXX now has {$3500.00}. 
On XX/XX/2016, I went to court to vacate the judgement on the grounds that the default judgement was acquired by fraud. I was never served. My son, age XXXX, was served at his address. I have never lived there and I was XXXX years old at the time. My credit reports confirm age and addresses and I assume a credit company had them in their possession. Also, the AKA XXXX XXXX XXXX is only on my birth certificate. I have been XXXX XXXX XXXX on school records, military records, medical, IRS, SS etc. It was a misspelling at the time of birth. ( The attorney failed to mention this at the hearing last week. ) The judge ruled against me due to the 8 year time lapse. I have offered XXXX {$2000.00} max for a settlement, but have not heard back from them. That would be a total of {$5500.00} that XXXX would have in profits. I want to know how much I really need to pay this collection company. I feel I 'm beginning to pay for the car for the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the fraud.

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 08-07-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: They have tried to report to the credit bureau several times, damaging my credit when that account is not legitimate to collect. 

This is hurting my credit and score I am trying to raise my score for the purchase of a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.

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 04/20/2016 about Debt collection (Medical) with Merchants and Professional Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company is reporting to XXXX and XXXX but has failed to produce accurate and complete information regarding debt. For example the bills of XXXX different patients were combined on XXXX statement but there are no signed patient responsibility forms for XXXX of the XXXX patients. Also there is no indication which patient 's bills were credited with payments and insurance reimbursements and therefore it is impossible to determine whether I am responsible for any of the bills presented. Attempts to get more info from company by phone is met with hostility and a demand for payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Never got a account with The creditor and stablish credit with or card or i was bill for it However, i was found out that a 3rd party collection company reported me late with a balance of {$97.00} Jeopardizing my ability to obtain credit somewhere else This a real violation of my consumer rights and fair credit act I called XXXX on XX/XX/XXXX @ XXXX and spoke with credit representative XXXX XXXX Who confirmed that I never had any credit or nay relationship with the creditor And even had different address shown on their data base confirming that person was NOT me Rep recommended to have a direct dispute with the 3rd party agency since the account was wrongfully Charged off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( EXPERIAN, XXXX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup 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 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have made numerous attempts after paying off the debt over two years ago to the original creditor to get ProCollect to stop their debt collection practices. When I have called, a XXXX XXXX gets on the phone and he is very rude. He argues, but never actually gets around to the point. He insists that not only did I have to pay the original creditor, but also I should have to pay him. I have been trying to get this resolved for weeks. I get nowhere and it 's affecting my ability to purchase a home, damaging my credit, costing me money in terms of interest rate and causing the transaction to be more complex.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I had {$97.00} charged on my card from a hotel that I did n't even make reservations for and I called the hotel they told me to leave a voice mail for the maneger and then I got told to call and place a report to the cops and I 'm too scared to do that

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: US Bank closed my us bank altitude reserve card on XXXX XXXX, 2017 without notifying me. I did not found out till a couple days later when I tried to use this card for online purchase. I received an mail on XXXX XXXX, 2017, saying my card has been cancelled because I purchased gift card using altitude reserve card, and my points have also been forfeited.
US Bank is ridiculous to do this. I called them but they were not willing to help. This is really the worse experience ever, and US bank is indeed the worst bank ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and  they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed this misleading information Equifax removed it back in XXXX or XXXX of 2015. Then they reinserted XXXX different public records on the same day in XXXX 2015. I sent them copies of my identity theft report and they removed XXXX items. This is frivolous credit reporting by Equifax. How could they dis- regard the identity theft report I sent them twice. This is very stressful, and costing me a lot of money in extra high intrest rates. Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive sometimes multiple calls a day from this number XXXX either as Name Unavailable or Receiveables. They do n't leave a message. Ringing my phone is very frustrating as I have an XXXX parent who may be trying to call me so I need to check the phone each time it rings. Please stop this nuisance!! And please insist that companies that accept credit applications CONFIRM the phone number before thay issue the credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: {$2000.00} was cashed as a check against my account XXXX XXXX. I bank with chase bank. I called them the same day my the amount showed in my account. I live in XXXX Georgia, and the check was cashed in New York. I informed the bank, and they told me they will credit my account in 3 business days while they investigate the issue. Usually, they are supposed to just call the money back. I showed them proof and i sent them a copy of the check in my account. I didnt issue it. 3 business days passed and i have called and they given me different deadlines. It has been a month now and i have not received my money. I called today XXXX XXXX and they told me i need to wait 30 to 90 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I signed up for a promotion for a Citigold account that would offer me XXXX XXXX miles. I completed all the requirements and waited for over 90 days ( as stated by Citi ) and I still have not received my bonus miles. I had confirmed with their customer support through secure message that I am qualify for the bonus before I completed all the requirements. I even have a letter stating I am qualified to receive the bonus miles. However Citi is refusing to credit my XXXX account with the promotion miles that they had promised initially. I am now filing a formal complaint against Citi. This is a bad practice by Citibank.

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 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: have not recieved valid verification of this debt and it has been XXXX days since I first disputed this debt. .I have this debt that i do not owe negatively affecting my credit score and I need it removed from all XXXX CB XXXX. It 's imperative that verification of the identity of a consumer and the amount of the debt be obtained directly from the creditor. Mere itemization ( bill ) of what the debt collector already has does not accomplish this purpose

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The principal balance on my mortgage was more than what it should have been by XXXX dollars. I had to take XXXX customer service agents through all of the payments - and still they would not agree to change the principal balance. Now the process has been forwarded to the executive office, where i am hoping that this issue will be addressed. 
If this happened to me - then it could be happening to millions of folks. Mortgage accounting is deliberately made complicated so that people wont be able to understand. This needs to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with First National Collection Bureau, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a letter from the  XXXX   XXXX   XXXX   XXXX  on or about   XXXX   XXXX   XXXX   They claimed to be collecting on behalf of  XXXX   XXXX  for the amount of {$900.00} ( to  XXXX  Bank with acct number but no other information and I have no memory of such an account ), of which they are willing to accept a total of {$270.00}. I have  XXXX  recollection of any such debt, so I sent them a debt validation letter on   XXXX   XXXX   XXXX   ( as is my right under the Fair Debt Collection Practices Act ). I sent it Certified Mail with Return Receipt through the  XXXX .  XXXX  picked up the letter and signed for it on   XXXX   XXXX   XXXX    . ( I have proof of both mailing and receipt. ) In the letter I sent, I requested that they send me ANY information they have about this supposed debt, proving that I owe it, and that they can legally collect the alleged debt. I gave them 30 days to do so but received nothing from them.     Yesterday,   XXXX   XXXX   XXXX    , I received a call from  XXXX , once again requesting payment of this alleged debt. They have sent me no proof that I owe such a debt and refuse to give me any further information beyond, " this is a valid debt. '' If it 's valid, they need to provide me with reasonable proof of such and, as of yet, they have not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with Coinbase, Inc. (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Coinbase charged my debit card with unauthorized transactions. Ive seen the same transactions previously posted on my account but they are charging me again. 
Couldnt get ahold of anyone through email or phone. 

XXXX XXXX XXXX XXXX. 
Over draft Fees : {$20.00} Coinbase Trav Fun coinbase : XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$340.00}, XX/XX/XXXX {$200.00} Coinbase Fee : {$10.00}, {$5.00}, {$1.00}, {$3.00}, {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a credit card with Citi Bank which I decided to close ( because frankly they XXXX ). Six months later after account closure and no activity a charge appeared on the closed credit card. Long story short, since it was a " subscription based '' merchant, Citi allowed the charges even though the account was closed and the billing address did n't match to merchants charges ( mind blown ). 
I expected Citi to credit my account and apologize for allowing the charge to go through. INSTEAD after spending hours speaking with multiple representatives and Managers and being forced to fill out and submit a " claim dispute form '' I still have a {$150.00} balance on my " closed '' credit card. 
Any advice on how to handle would be appreciated.

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 01-11-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loan through XXXX XXXX XXXX and they use XXXX XXXX XXXX, XXXX. They have no other repayment options besides just making the monthly payment. They only have XXXX small forbearance period and it is just not enough. I am not going to be able to pay the full amount my lending institution is asking for. Once my deferment for school ends in XX/XX/XXXX, they will be asking me to pay almost {$600.00} monthly. I am only working for a non-profit that does not pay much at all. I attended XXXX XXXX College in XXXX, XXXX XXXX

Company response to consumer: Closed with explanation