milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Debt collection (Medical debt) with Collection Professionals, Inc. (Macomb, IL) (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX threatened to sue me for this debt while I was attempting negotiate a settlement. XXXX had no interest in working on a settlement and I paid the entire balance, however, Collection Professionals refuse to remove this medical collection from my credit reports. Please manually delete this item from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed the reporting of XXXX XXXX XXXX reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, Equifax, XXXX and XXXX XXXX XXXX and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Late fee

Complaint: Approximately a year ago, around XX/XX/XXXX or XX/XX/XXXX, I called Citi Cards to set up an automatic payment plan to have them automatically take out payments from my bake account. They told me that I could not because my account was closed. I also requested they send me paper statements via mail so that I can monitor my account, since they do n't allow closed accounts to access their accounts online. I was told me payments would be {$60.00} a month, so that is the amount I set up to payments with my bank to send them. I would call from time to time to check on the status of my account, but would not ever be able to speak to the correct person and would be transferred from person to person. I would get hung up on and put on hold for hours at a time. I was told in XXXX XX/XX/XXXX, they only received a payment for {$20.00} dollars. Which I am unsure how it was only that much as I am pretty certain I never adjusted the amount with my bank. When this happened they started charging me late fees. I never knew anything was wrong with my account and that I was accumulating late fees as I have still never received a single statement nor did they call to inform there was a problem with my account. And as previously mentioned, every time I tried to contact a person to confirm their record of my balance matched my projected amount I was unable to make appropriate contact. They refuse to adjust my balance to the appropriate amount and continue to transfer me around and hang up on me. If I had the means to properly manage my account I would have been able to properly pay a single late fee and be able to keep my account at the proper balance. This whole process has caused me to accumulate almost an additional {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with Penn Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have never received one bill and have never rode in an ambulance this is not my bill and it should not effect my credit since this is the first time I am seeing this bill that is n't mine. This must be removed from my account or else I am going to take this to legal .i am filing a police report today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All Collection or Charge-Off accounts on credit report should reflect a closed status. By leaving the status as open, my balance has changed several times from the collection and/or charged off amount. My understanding is that " Open '' accounts influence your credit score much more harshly than " Closed '' accounts. If a company has " Charged Off '' or sent your account to " Collections '' should n't it be closed from reporting every month as a revolving or installment account?

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 07-03-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Ex-husband has n't filed his taxes since 2010. A tax lien was placed on all of my credit reports. I have been given a document stating that this tax lien is not mine and asked all XXXX credit bureaus to remove it. XXXX + XXXX have changed their report but equifax still has it listed as my lien. I have a tax lien release paper that says I am not responsible. Please have equifax remove this lien that does not belong to me. And a copy sent to me stating it has been removed so my credit score can go back to where it was please? Thank you XXXX XXXX

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. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian report number XXXX dated XXXX XXXX, 2017 1 ) This report indicates I have two social security number variations. Please remove the incorrect number. The correct number is XXXX. I can not see the full numbers on the report because they are masked, however, I have only one social security number. 

2 ) This report lists two telephone numbers that are not mine. Please remove the incorrect numbers which are XXXX XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Creedence Resource management LLC out of XXXX, Texas claims I owe a debt from XXXX, XXXX,2017. I  do not owe this and they put it this week on my credit report again. They did this once before and removed it. It was with XXXX XXXX out of XXXX XXXX mall in XXXX, California. A dishonest employee used my information to form a false account to steal from XXXX. I never had an account with them. I have XXXX, was homeless and had no bank account to get such an account. Please make them remove it from my credit report. Thanks, XXXX XXXX XXXX. It was only placed on XXXX XXXX credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a {$200.00} American Express giftcard for XX/XX/XXXX. I used it once and charged {$90.00}. I went to try to use it again and it now has a zero balance. When I looked at the statement online, it says it was used for the balance {$100.00} by XXXX. American Express gave me no answers. I called XXXX and they are the company that makes the machines where the cards are swiped. I have no recourse basically because there seems to be no way to trace where this card was even used!

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after 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 07-07-2015 about Mortgage (VA mortgage) with United Military Mortgage, LLC (TX).
Issue: Credit decision / Underwriting

Complaint: Lower Va Rates has stood up to proper business practice, since XXXX 2015 with a approval stated after weeks of processing per LVR, I have signed contract documents with the present of my wife and notary. Yet, no closing up to now, XXXX 2015, I have back paid mortgage payments : XXXX, XXXX, XXXX. Still no results nor contract made until I call in a rage on status but a lot XXXX/run around stall actions from LVR. I am XXXX, XXXX veteran, unemployed and my spouse is unemployed with medical conditions. I have applied LVR before without any delays, but today there bad business practice that shouldbe dealt with HARD!!!!!!! Bills/credit are behind due the instructions given LVR and yet no results as when the two months and amount of mortgage payment???? Budget!!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've been disputing this alleged debt from Midland Funding LLC, in the amount of {$460.00}, since XXXX thru XXXX. Midland Funding LLC. has violated the FCRA by not providing a contract with my signature on it, in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files, all but not limited-XXXX, XXXX, XXXX. The business is required to disclose to me all documents that they have recorded and retained in their files to this alleged debt. If Midland Funding LLC.does not have any documentation, they need to retract this from my credit file immediately. In addition, this business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (OR).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: In 2017 I purchased Bitcoin and Ethereum in a digital Wallet through my XXXX Debit card.

I sold some and am unable to get it from the wallet back into my bank account. MY MONEY IS HOSTAGE. I have sent multiple pictures of my drivers license, copies of my bank statement, utility bill and tax statement. They still can not find a way to return my money to my bank account. I have an " open case ''. They answer the phone which is appreciated, but I am getting nowhere. It would be nice to have them send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Synchrony BankXXXX XXXX I tried several attempts to resolve this account with Synchrony BankXXXX XXXX. They reported on my credit file in many errors as ND/No Data for 5 months then the account charge Off Then they closed it out. I wrote them disputing this account several times with no response to the matter. Then they told me on XXXX they sold it to a company named XXXX XXXX in which never in all this time mailed nor contacted me to this account. XXXX XXXX has not ever showed up as any collection on my account nor mailed me any letter which I 'm by law entitle to dispute any charges or the account. Cach llc is in bankrupt and various legal issues with various law suits. Synchrony BankXXXX XXXX is the originator of the loan in which they have violated my consumer rights. When calling them its nothing but the run around as to all the time I disputed the account and mail letter disputing the issues. Now they state the account was closed in XXXX. Of the 3 credit Bureaus Synchrony Bank/care Credit reported error information payment showing being made then on another credit report CO/Charge off but showing payment made on my other credit report show last payment made but nothing that Synchrony Bank reports match up and the credit Bureaus say they only go by what they report. There is nothing on this account accurate by Synchrony bank as to how they report correctly. 
My other issue would be to file suit on Synchrony and provide documents showing there errors amounts and letters mail to them time after time regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Indirect We Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have experience this 3 times inside of 2 years with 3 different carriers as my XXXX condition required 2 moves. 
This was a XXXX where I purchased the phones that claimed they would work in XXXX they did not- although there map of coverage and customer service claimed it was within the coverage areas. 
Purchased cell phone plan- cell phone provider was unable to meet the requirements of data services, coverage. Numerous calls to report missed calls, dropped calls, poor service or no service in areas that they claimed had service coverage. 
After months of calling customer service and complaining I cancelled my contract due to them not holding up there end of the contract- at that time I was told I could not do that and they would take immediate legal action. 
I figured since they said they were taking me to court I would n't have to do any of the filing and it was on them- surprise it went to collections.

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 03-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have contact my current lender bank of america back in XXXX to request a loan modification due to my reduced income. I was told that unless I 'M LATE OR BEHIND ON THE LOAN I WOULD NOT QUALIFY ... Their representative clearly ADVISED ME TO STOP PAYING MY MORTGAGE IF I WANT THE MODIFICATION OFFER SENT TO ME ... ..With no other options offered to me I followed their instructions and stopped paying my mortgage. After I got an offer to modify my loan, representative assured me that if approved that all mortgage lates WOULD BE DELETED from my report. HOWEVER, 3 YEARS LATER THEY STILL HAVE NOT DELETED THE LATES WHICH THEY FORCED ME TO INQUIRE. I have been trying to reason with bank of america since XX/XX/XXXX but all I 'm getting is computer generated mail and no results or any attempt on their end to resolve this issue. Because of these lates now i can not refinance my house or get a better loan .... AND NOW BANK OF AMERICA CALLED ME OFFERING TO DO A DEED IN LIEU OF FORECLOSURE.. WHEN I 'M CURRENT ON MY LOAN ... they are desperately trying to STEAL MY HOUSE by ruining my credit and ignoring my request ... please help!!

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 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: I initiated this wire transfer and they still have yet to email me an update or respond to me in any way. This is not acceptable. Almost a month for a wire transfer - that I paid for?! 

Account : XXXX Bank : XXXX XXXX XXXX Total Amount : {$27000.00} Withdrawal reference : XXXX Withdrawal initiated : XXXX XXXX, 2017 Expected arrival : XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX I attended XXXX University in XXXX PA for about 1 month. I had applied for my GI bill to pay for my attendance. I dropped out after about 1 month and returned to the military. I have my XXXX paperwork showing I went back into the service. On my credit report AES is reporting that I owe over {$5000.00} and XXXX XXXX XXXX XXXX XXXX is also reporting a very similar amount. I did not even finish a semester. I have tried contacting the creditors directly but I keep getting the run around. They have been taking my tax returns and not reporting them and considering I only attended school for, at most, XXXX months, I do not see why the full amount would be owed by me to the lender and the government. I really need someone to help me sort all of this out because, as stated, I am getting the run around and not able to get any documentation from any institution regarding anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with LEXISNEXIS (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed my XXXX report via certified mail in XX/XX/XXXX and Also XX/XX/XXXX CFPB case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 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: Information is missing that should be on the report

Complaint: Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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