milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Received a letter from this company  XXXX   XXXX  claiming I owed mon ey on a 4 year old hospital  visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (AL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have two long-standing credit cards that were taken over by XXXX XXXX  a couple of years ago ( JC Penney and WalMart ). I moved recently and as I worked my way through all my credit cards, I found that the only contact number for these two cards was my old home phone number, which has been cut off because I moved. As stated, I have had these two cards for years. XXXX XXXX insists on sending a text message to my phone before it will allow me to change my profile, but they won't accept my cell phone or my new home phone, neither of which I had years ago when these accounts were opened. I talked to customer service about the Walmart card and they told me to make copies of my driver 's license and a utility bill for the new house and send it by mail, which I did ( copies attached ). I have also given pertinent security information over the phone ( last 4 of SSN and mother 's maiden name ). I called to follow-up about a week later and they apparently had no idea what i was talking about. Then about the same time, I got the attached letter from them asking for this same information! This is ridiculous! They say they are trying to prevent fraud, but they are inviting fraud by not allowing me to change the address and email! Today I got to my JC Penney card and the exact same thing happened and they are going to try to make me jump through hoops to fix that one too. My JC Penney card has a XXXX  balance, and I am going to pay off my WalMart card this week. I doubt a fraudster would pay off my credit card for me. And incidentally, when I do, they will start lowering my credit limit because I am not using the cards, which should be against the law. Please see if you can persuade these people to allow me to change my profile for these credit cards. I would close them both but both have a high credit limit and it will hurt my credit to close them. This whole thing is ridiculous! I have attached all the pertinent correspondence. 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 05/19/2015 about Consumer Loan (Installment loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, XXXX my car was repossessed for defaulting on my contract I signed on XXXX XXXX, XXXX. After my car was repossessed I received a 'notice of right to redeem ' from Honda Financial dated for XXXX XXXX, XXXX, I also received a separate 'notice of our plan to sell property- private ' notice date of XXXX XXXX, however, the notice did not provide a date, time or place for when the vehicle would be sold. The notice indicated " that it would be sold sometime after XXXX XXXX. As per New York state laws, I have the right to be notified of the time and place of a public sale and/or of the time after which a private sale you goods will be made. I was not afforded that right to participate in the sale of my vehicle. The last notice I received from them was dated XXXX XXXX, XXXX " XXXX XXXX XXXX XXXX XXXX '' which summarizes the sale of the car and fees and amount owed. My rights to redeem car under state law was violated, I do not believe that lender sold the car in a commercially reasonable manner. I had also filed a complaint with the Better Business Bureau on XXXX XXXX, XXXX regarding my personal property that was in the vehicle at the time it was repossessed that was withheld from me. I received a response notice and was told by the XXXX XXXX that the recovery agent had a right to charge me a fee for retrieving my personal property after such the property was sold with my vehicle. I had electronics and other valuable items totaling over {$7000.00} in the vehicle that has not been accounted for. As per the New York Attorney General office, they did not have a right to refuse me my personal items and charge me a fee to retrieve them, as there was no security interest with them. I am therefore charging the Finance company for the stolen items. The recovery agent did not have a detailed or itemized list of every item in my car and could not account for the items that were in my car.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I'm writing this complaint because I've been trying to get an unauthorized inquiry removed from my Equifax report with no success. I called Equifax XX/XX/XXXX and the representative told me these were 'factual records and could not be removed. My second attempt I sent a letter to the creditor and to the bureau via certified mail that were both received on XX/XX/XXXX. I did receive a letter from XXXX XXXX XXXX dating XX/XX/XXXX showing a background screening report but nothing stating I authorized the inquiry and to contact the bureau. Received a letter from the bureau on XX/XX/XXXX stating inquiries are a factual record.. and to contact the creditor. In both letters I requested each entity to send me documentation of my authorization for this inquiry or REMOVE them and here it is XX/XX/XXXX and I have yet to receive sufficient evidence that I did indeed authorize this inquiry, only the creditor passing the buck to the bureau and the bureau passing the buck to the creditor which I have both contacted. As of date this inquiry hasn't been removed from my credit report which is a violation of the Fair Credit Reporting Act. The unauthorized inquiry is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX 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 07-11-2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. 
Attached is my verification of mortgage, an account ledger from XXXX and my monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have made several attempts to reach out to this company Commonwealth Financial to have the negative remarks they report and update on my credit each month removed. I have never authorize or open an account with this company. This company is intentionally ruining my credit. They claim they have mailed me out bills but I have n't received anything from this company. They constantly hit my credit with an amount of XXXX and XXXX dollars. It reports on credit as a new loan. If this company can not produce a signed contract from me, the consumer, they must remove the debt from my credit report per the FCRA. These amounts are updated each month as if I took out a debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am complaining about transunion credit reporting. They are still showing an account as open and in collections on my credit report when it was included in my bankruptcy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this twice and no other credit reporting company us showing it. I have provided my bankruptcy dischard papers and they still will not remove it.

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 04/18/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NM).
Issue: Loan servicing, payments, escrow account

Complaint: My experience with roundpoint Mortgage has been absolutely terrible. Every time I have reached out to them I never have talked with someone that knows how to answer my simple questions. When I am lucky enough to even talk with a customer service representative, I am given different answers from every person I talk to. It is very apparent that these people have no idea what they are doing, or at least have no intent to actually help you. One particular experience I had with them was when I was trying to remove mortgage insurance from my loan. I filled out the request application and never heard from anyone at roundpoint ( I was told it would be 7-10 days ). After 20 days, I called roundpoint to followup with my application and they claimed they had not received anything. After a number of different calls and customer service representatives, they decided that they had received it and it was being process. At this point I was told it would be another 7-10 days to hear from them about getting the appraisal to finish the request. Again, after not hearing from anyone for 15 days at roundpoint, I called to followup. Everyone I talked to gave me different answers again. I was being told everything from the application had been denied, to they have n't even received the application. We finally got the appraisal scheduled. The evening of the appraisal I called the appraisal to follow up with how it went and the appraiser informed me that roundpoint had cancelled the appraisal. This was big news to me, so I called roundpoint to find out why this had happened. And of course, the customer service representative had absolutely no clue why the appraisal was cancelled and did n't know the appraisal was even scheduled. At this point I was informed that my loan was being sold to a different mortgage company and this was taking place in three days. A longer story cut short, I have paid for an appraisal that is no longer valid. All while I was being deceived to think they were helping me remove mortgage insurance from my loan. So roundpoint got a few extra months of mortgage insurance, over {$600.00} ( this process took a few months, instead of a few weeks like I was told ) and now sells my loan to someone else. It 's not too hard to see what roundpoint was trying to do here. And definitely shows where their priorities are. If there is a way you can avoid having roundpoint Mortgage from obtaining your mortgage note, I would do that!

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with Midwest Recovery Systems (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: PLEASE MAKE SURE YOU READ ALL OF THIS YOU WILL BE HELD LIABLE FOR KNOWING THAT YOU WERE GIVEN A CHANCE TO STOP VIOLATING THE LAW. 

This company is a fraud. They have put something on my credit without giving me chance for verification. Per Federal Law, XXXX XXXX XXXX, XXXX XXXX XXXX, and Commonwealth Financial can not prove I owe this. If this is not removed from my credit report immediately I will contact my attorney and sue each of you for damages. You might want to read the law. It is the job of the collection agency to prove ownership and you have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverside Mortgage Group, LLC (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Rented an apartment.  Father  was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!

Company response to consumer: Untimely response
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX 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 09/29/2017 about Debt collection (Payday loan debt) with Bayside Capital Services, LLC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Last year ( XXXX 2016 ) I have borrowed online payday loan ( which is not licensed in my state ) the amount of {$1600.00} and I have paid {$970.00} and I have principle balance {$620.00}. 
I have contacted to XXXX washington that this payday loan ( XXXX XXXX XXXX ) not licensed in state of washington and I do n't have to pay excessive interest ( 480 % ). So I contacted to XXXX XXXX XXXX  that I willing to pay the principle only. But I never reply from XXXX XXXX XXXX. 

But today, I got a phone call from 'BAYSIDE CAPITAL SERVICES ' collection agency. 
They told me that they bought my account from XXXX XXXX XXXX. ** They told me that I owe {$2600.00} as of today and they threatening me they will sue me and they are going to garnish my salary. 
I asked willing to pay the principle {$620.00} but they refuge and they will serve the summons early next week.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with Statebridge Company (MI).
Issue: Loan servicing, payments, escrow account

Complaint: After speaking with  XXXX   XXXX  for the purpose of obtaining a physical payoff payment address, I sent Statebridge Company  ( m ortgage servicer ) a check of {$16000.00} meant to pay off the balance of my loan (  XXXX  ) with them. This is the payoff amount I received from the company after ordering the payoff. Despite the fact the check was cashed in  XXXX , the funds have not been applied to the loan, however, I 'm receiving collections calls. After trying to rectify the issue, I was told I needed to pay an additional {$180.00} to cover the interest and fees ( incurred while they had the funds ) in order to pay off the loan. I paid the as instructed, however I 'm still receiving collection calls for a mortgage that should be paid-in-full. I want the embezzlement to cease. I would like for Statebridge to apply the funds, close the loan and stop the collection calls. I have made several attempts to resolve this matter with them with no success. I have sent e-mails, and certified snail mail, along with several phone calls, speaking to several people, all of which have proven futile

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I am having significant issues with the seven year fraud alert the credit agencies are to use once you have been a victim of identity theft and filed charges. After the alret was placed on my SSN - The same person used it again ( after the alert was placed on the account ) to apply for a job. The credit agency - EXPERIAN - shared my personal information with XXXX ( background check ) - who then sent a copy of my information to XXXX XXXX XXXX ( job applied for ) and the applicant. The alert did nothing to prevent this from happening or protecting my confidential information. When I called and spoke to XXXX XXXX and Experian its like kindergarten - no one did it. Experian not only provided this company with information but the theft used his own name and they sent the information to XXXX with AKA ( my name ) - like we are the same person! After I had gone through all the phone calls, getting the security alret on my ssn, police reports, court appearance etc.. and they still did nothing to protect my information. They actually helped him do it by stating AKA ( my name - and im a female! ) As a victim of identity you should not be treated like an criminal or an idiot and thats exactly what Experian ( especially ) has done. I called Experian and spoke to several people - passed from person to person and no one had an answer - they also lack good customer service.

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 08/22/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: American express business accountwas used by an employee without my knowledge has been 8 years and is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: statement is attached with this complaint. 
bank charged multiple overdraft charges, they cleared the larger checks first and pushed the account in to overdraft, they did not pay the lower amounts first. i should have been charged overdraft fees only once, rather than multiple times. i believe this is creating you to pay too much extra money. they have unjustifiably charged me about ten times the fee. also they charge extended overdraft fee. 
this has been happening for several years, i have talked to the bank on multiple times, they continue same practices. this is very negative and detrimental to consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I attempted to contact a creditor who listed a hard inquiry on my Experian credit report number XXXX dated XXXX XXXX, 2016. The letter was sent via certified mail but was returned to me as " RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD ''. I attempted to contact Experian via certified mail and provided a copy of my state issued driver 's license and United States Passport to support the investigation for possible fraud or identity theft. Experian has placed an extended fraud alert on my credit report and has caused security freezes affecting use of my credit and bank cards. This company has not provided me proof that any investigation was conducted and has failed to provide me with a copy of my credit report upon disputing the item with them by phone. I have sent numerous letters and have been unable to resolve this issue. I would greatly appreciate your assistance with this matter.

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 07/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NM).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have a coinbase account that I have been trying to log into for the past 2 months. Coinbase 's website does not work properly, and just a glance at their reddit page will show you the problems many are facing. I am trying to change my phone number from my old account to my new phone number, however their website does not let me complete the verification process. I have tried on many different computers, and on different platforms all with no result. I have sent multiple emails and even attempted calling them. The only feedback I got was someone on a reddit page claiming to work for the company, they asked me to submit an image of my issue, and then nothing else happened. They basically have zero customer service. I 'm worried about money I might have in that account that I can not access.

Company response to consumer: Closed with explanation