milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$300000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX {$6000.00} {$81.00} {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX {$60000.00} XXXX {$130.00} XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : 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 {$300000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE DATES : LAST LATE DATE XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received XXXX letters from OCWEN in XXXX XXXX XXXX Florida requesting that I submit a completed Tax Identification Form XXXX. The requested information was sent along with copies of SS card, loan document statements and a cover letter ( return receipt requested & returned to me ). A follow up conversation revealed their request was satisfied ; they had indeed received the information. Now, two days later I received a phone call from " collection agency '' stating they will be deducting money from my account if form not received. I advised that I will be paying off the loan before their XXXX XXXX, 2016 deadline. 
This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Vehicle loan) with Home Loan Center, Inc. (IL).
Issue: Shopping for a loan or lease

Complaint: I applied through lending tree to get a sense of what kind of auto loan I could be approved for. On the website it clearly stated that the website would not use your ssn but would instead use a soft inquiry to assess if you could be approved. I now have XXXX hard inquiries into my credit and was being hounded by various lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: A while back I had received a phone call at my work saying that there was papers to be served to me and a possible warrant. They Claim they are calling from HSBC Legal department handling the debt account. They to call and leave threatening messages.
I can send you a copy of the voicemail also the gentleman I just spoke to his name was XXXX phone numbers to XXXX XXXX XXXX. He said he is the office that has the document to serve me however will not give me any information and redirects me to the legal office at a XXXX number which unfortunately he hung up before I could get. But I could pull from a previous voicemail XXXX. Case number XXXX. When calling that number they placed me on hold for several several minutes telling me that they had sent the paperwork over to the XXXX XXXX County courts and that they had to personally search for the hard copies to find out what was going on with my case when she came back on the line she told me it was for an HSBC account we 're over {$1000.00} was due and that did not include attorney or court fees. When I asked her how come I receive phone calls way back a couple months ago and I 'm still at the same address and still at the same workplace and have yet to be served she wanted to confirm the address that they already confirmed previously. When I told her that the address was in fact correct and nobody has ever come she could not give me an answer as to why other than she was going to try to expedite it. Now here 's the thing the address they have is in XXXX  County not XXXX XXXX County so why would be served in XXXX XXXX County I do not know. The woman I spoke to claim to be in litigation and when she answered the phone call she answered with before providing me and him any information that this phone call will be monitored and recorded now I do n't know if that 's normal for law firms or not.
When they called my work they asked my boss their policy for serving their employees at work. Which thank XXXX I work for awesome bosses who did n't fire me because of this.
If they are a creditor HSBC and they 're using Scare Tactics or harassment like that it is illegal and violating FDCPA. IF they are not HSBC then it is a company to which HSBC sold the information to and they should still be held liable for passing my information on to such a harassing company that uses illegal means to obtain money.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Deposits and withdrawals

Complaint: This is to inform you that over XXXX customers who have come to XXXX XXXX XXXX in XXXX in the past year or so and ate or had a drink are being charged XXXX from their accounts on a single day. The fraud in this restaurant is massive. I personally was charged over {$2000.00} in XXXX XXXX and on XXXX XXXX, I was charged again another {$1200.00}. This happening to lots of people. The management is saying XXXX XXXX, XXXX. a credit company is doing this. My bank is saying XXXX XXXX XXXX is doing it. I have filed a police report with XXXX Police Department. We need your intervention. 
Please help stop this menace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: To Whom It May concern, I had attended XXXX XXXX XXXX, XXXX XXXX MN between XX/XX/XXXX XX/XX/XXXX At the end of every quarter, the financial aid office had me sign documents, that ultimately would be high interest rate ( XXXX12 % ) private loans, without really explaining what the loans were or providing any additional options for financial aid. I did earn a XXXX degree, however, I have been on countless interviews over the last 5 years, and no one in the field recognizes my degree nor do any of my credits transfer. As a result I have XXXX in student loan debt, XXXX of which are private loans that are unable to be lowered or postponed. I must also include that I am an adult XXXX ( XXXX ) - I had attended the school because I was interested in XXXX- I struggled with being in class, but made the school very aware of my XXXX. They promised to assist me with finding a job after graduation, but I have not heard anything from them since the 5 years after. Also XXXX has really affected me from being able to interview well enough for a job that would be pay enough to even pay off these loans. I work at a XXXX, making {$15.00} an hour. My student loan payments are more than half of my take home pay- XXXX XXXX ( navient ) refuses to help me at all with my private loans. If I had known the interest rate or had a better understanding of the financial burden that XXXX XXXX has placed on me, I would have attended a different school. Thank you for your time and any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credit Protection Association is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Credit Protection Association ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),

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 03/25/2015 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Managing the loan or lease

Complaint: I purchased a new vehicle which included a payoff of my old car. The car dealership mailed out the payoff to my finance company on XXXX. The finance company received the check, applied it to my account and then reversed the credit and returned the check to the car dealership. ( The finance company has yet to provide a reason why ) The dealership mailed another check on XXXX/XXXX/15 the check was received and has since cleared the bank. I have called the finance company several times. I have given them the tracking number and check number of the check. Nothing has been done, I am still receiving calls about the account being past due and I have been told that if this were not resolved that the payment will be reported to the credit bureau as a late payment. I called and left a message for a supervisor to call me back and it has been over a week and no call. I was dealing with another representative as I have been calling about this issue for over almost a month. The rep was handling it, but I have not heard back from her either and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: My husband and I had an auto loan with Toyota Financial Services since 2010. It has since been paid in full as of this year. Our credit history with them has been nothing less of perfection up until the last few months of the loan. There were several attempts on our end to make payments electronically as we had been for years. We received letters from Toyota Financial ( 3 of them ) apologizing for not being able to process our payments, even though funds were available. Due to this technical issue, our account became delinquent and recorded at 90 days late. Toyota Financial was able to remove one, but pointed us to the direction of their credit repair department ( whom you can not speak with and can only submit letters to ) Out of desperation, we wrote to them and apologized for the issue, though not being our fault at all, and requested they remove the negative information as my husband is unable to obtain a qualifying job position due to his credit report ( only negative info is from Toyota ) We have been dealing with this for over 3 months now with no resolve. Now, my family is dealing with the financial burdens of my husband being unable to secure a job due to this issue. We have a XXXX month old daughter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NH).
Issue: Other transaction problem

Complaint: On XX/XX/2018, Coinbase withdrew {$140.00} from my checking account despite me not having done anything to justify this They claim this is a problem with XXXX however XXXX states that this problem is exclusive to Coinbase and no one else they serve is experiencing a similar problem

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
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 received a bill on   XXXX   XXXX   XXXX    , stating that I had a bill due on a card for {$170.00} for spending between the dates of  X/XX/17    -   XXXX     that I had n't received. I called  Citi  bank and they told that there was nothing that they can do to help me due to my phone number not being registered to me. They suggested that I go out and get a new phone number under an account in my name to verify who I am, so I did that. I called back and updated my information and they said their was nothing that they can do, that I must submit my Driver 's license, social security card, and my name with a bill on it in order to verify who I am to the fraud department. I did n't like it but I did it. I called back  XXXX  days later and spoke with several people and they told me that there was nothing that they can do other than verify me through a phone number. I 've went through and completed every step they asked me to and still I got no results from the company.

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am disputing Ad Astra Recovery Systems showing on my credit report for a collection as this is not a legitimate debt owed. Debt was paid in full to original creditor. In review of paperwork all scheduled repayments were made over the course of almost 18 months duration, all marked as " PAI, Paid ''. Only 1 payment in the course of the entire repayment schedule was marked as a " return '' BUT that was even marked as " PAI, Paid '', a few days later but still shows as " PAI, Paid. '' Not sure why was it even was an initial " return '' as the repayments were ACH's/Etf 's set up against my checking account and I do have, in excess of over {$500.00} in event should ever need it, " overdraft protection on my checking account. Original creditor 's policy is too attempt the ACH's/Etf 's until they go through. It was made and credited to account, even though a few days late, and the next scheduled repayment was just 2 days later and that one, and all others for rest of the entire duration went through as scheduled. After my last and final repayment, last payment was made 16 months ago, and due to that I 've not received any communication from original creditor either via phone or mail that debt was not paid in full per agreement, And No Further ACH 's by original creditor have been made or attempted to be made against my checking account which remains the same now as was then, and they would have had the legal right to do so to get repayment if owed, I am continuing to dispute this attempted collection claim as other people have against Ad Astra as a company 's attempt which tries to collect that which is not owed. My debt has been paid in full to original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed items on my Experian credit report, but was told that the request would not be honored because it did not look right. Experian sent me the notice with one side of the document left blank. I made another dispute attaching their document to it and requesting a free copy of my credit report. They advised me to go online to make the request. I informed them that by law they have to honor my dispute and send me a copy of my credit 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 01-10-2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am an educator that went back to school in XXXX to earn additional certification as a teacher. I have paid this loan when I had work. Unfortunately, many school districts have seen cuts of XXXX or more from XXXX. Since XXXX, the situation has become much worse. I have been turned over to a debt collector, Performant, that harassed me with multiple calls daily this fall. They have misrepresented how I could qualify for a loan rehabilitation program by having different reps tell me different things. 
When I asked for them to send me paperwork to do this, this did not arrive until the first week of XXXX even though this request was made just before XXXX. When I called before XXXX, which is what I was told to do if the materials did not arrive, not only did the different reps I talk to always tell me an entirely different story, but one even said in an extremely sarcastic and mean voice that I " need to check my mail ''. This was not helpful and everything else this rep told me was different than the previous reps said. I have been trying to call and speak to the collector identified on a letter ( Dated XXXX/XXXX/XXXX but that I did not get in the mail until the later part of last week ( week of XXXX XXXX ). I can not get a human being to talk to, even though I was told to call promptly when I recieved this information. When I asked to speak to " XXXX XXXX '' ( name on demand letter ) I was immediately transferred to a phone for a woman with the last name of XXXX. I offered to start sending in payments promptly so that I could qualify for a loan rehab program, but all I get is a run-around, paperwork is not promptly sent, it is not possible to get hold of a human being that can tell me accurate and consistent information ( I ca n't get hold of a human being now that I got the letter in my hand ), and I am being denied an opportunity to make payments to qualify for a program that would resolve this issue. This is harassment as I repeatedly find that Performant has no intention of helping me yet they have harassed me with multiple phone calls daily ( before XXXX ), are rude and sarcastic when I talk to them, do not tell me truthful and consistent information, and appear to have no intention of letting me get on top of this problem.

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 12-08-2016 about Money transfers (International money transfer) with KEYCORP (NY).
Issue: Other transaction issues

Complaint: I sent {$10000.00} to XXXX supposedly for the purchase of securities that were to generate me a monthly return. I was to send {$35000.00} total but I choose to do it in installment in the event this operation was a scam. The reason I was trusting was that I was making money initially with doing binary trading and would receive my withdrawals when I submitted them. I decided to close out my account and get my money back but the company is not responding to my phone or e-mail request. I had over {$17000.00} in my account in addition to this {$10000.00} wire transfer I did on XX/XX/2016 from my checking account at Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On  X/XX/2017    an ATM cash withdraw in the amount of {$300.00} was made from our checking account during the night while my husband and I were both sleeping during the hours of  XXXX  and  XXXX  at an unknown ATM machine which we have never used at and area where we are not familiar with. At about  XXXX  I noticed the unfamiliar transaction and asked my husband if he had made it and he said " no ''. We have never loaned anyone our debit cards or shared our pin numbers with anyone. So I called  Wells Fargo to file  a fraud complaint and on   XXXX     they denied our claim.  Wells Fargo ob tained copies of pictures taken of the thief who used the ATM and still they refuse to honor our fraud complaint or reimburse our stolen funds. We suspect that our debit card was somehow cloned by the thief.

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