milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a reported open balance after the account has been paid and closed.

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

Complaint: News recently broke out that Equifax discovered a breach in XXXX XXXX, XXXX. [ 0 ] On the evening ofXX/XX/XXXX, I interacted with Equifax 's 'Potential Impact ' web page and learned that I may have been impacted by said breach. [ 1 ] I then obtained a 90-day initial fraud alert and am currently requesting a credit report. 

[ 0 ] Equifax Reveals Hack : XXXX XXXX XXXX. 
[ 1 ] Equifax 'Potential Impact ' Web Page : https : //www.equifaxsecurity2017.com/XXXX/.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Service of Central Washington, Inc. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My wages started being garnished XXXX XXXX, I called in XXXX XXXX and made a payment agreement with XXXX XXXX for {$300.00} every 2 weeks to get my garnishments to stop. I have multiple times asked for a written agreement of what my payment is to be and when it is due and was told they could n't do that, all they could give me is what I have paid. I called in today and was told I missed a payment on XX/XX/XXXX and that my account was going in for garnishment and that I owed another payment on XX/XX/XXXX and XXXX XXXX was not there to speak to. I asked if I could just make a {$300.00} payment today and call back tomorrow to talk to XXXX XXXX. I was told no I had to make a {$600.00} payment to ( XXXX XXXX ) or I would be garnished again. I made the {$600.00} payment and then asked her again why I would in another week that my agreement was every 2 weeks not ever week. The lady told me you do n't owe next week you owe on XX/XX/XXXX ( which my payment is due XX/XX/XXXX ), I told her that 's not what you just said and she told me to call tomorrow to speak with XXXX XXXX that she could n't give me any more information. I asked than to speak to the owners and was told no. I than asked to speak to the manager there and was told that was XXXX XXXX and I needed to call back tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: They never sent me any signed copy of original agreement between creditor or collection agency or send me any proof that they have a right to collect in my state. Also there and hard inquiries that do n't belong to me i have ask for them to be remove for over two weeks

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 04-02-2016 about Mortgage (Conventional fixed mortgage) with Podium Mortgage Capital LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I am being improperly charged PMI after multiple requests for cancellation by Pinnacle Capital Mortage Corp ( XXXX ). My loan-to-value ratio is now at XXXX % and I am still being charged PMI despite multiple written and oral requests for cancellation. I have held my loan for more than 2 years and have had no missed or late payments. My lender has engaged in systematic obfuscation, including providing multiple mailing addresses to send written requests for cancellation, failing to acknowledge receipt of written requests, and misquoting Homeowner 's Protection Act laws to dissuade me from pursuing PMI cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with DISCOVER BANK (NV).
Issue: Other

Complaint: RE : CFPB Case number XXXX Be advised this case has been settled and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to get my free online credit report from Equifax and after answering their online questions their programs indicated they could not verify who I was. I opened a complaint about this with CFPB and followed up by mailing in a manual request to Equifax for my free credit report. 

Equifax did not accept my request and instead sent me a letter asking me to make a copy of 2 ids and mailing it back to them before they would send me my report. I sent them a copy of 2 ids and mailed it back to them. 

I am filing this complaint because I want our Federal Government to know that this company is not providing me with my free credit report. This company continues to try to get me to pay them to protect my credit report information. I continue to ignore their requests. 

I do not think that our country should allow credit bureau companies like this to exist and I think they should be operated by the Federal Government and the information stored on computers should be protected by the best information technology people the NSA can hire to protect US from internal fraud in companies like this and from external fraud as well. 

Our Federal Government shut down the accounting firm XXXX XXXX after the XXXX scandal. Our Federal Government should shut down Equifax too.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was a student at XXXX college. I had a loan through the school via XXXX XXXX. The school was shut down and now a private collector, University accounting Services is attempting to collect on the loan. All other loans through were forgiven by the US Department of Education. I have been paying on this loan so as not to damage my credit however the company, University Accounting Services, have been mishandling my records and gving my information to other companies who have been calling me attempting to collect on the loan. Secondly the college and company owning my loan have filed for bankruptcy in the state of Maine. I was notified of this. My complaint is that University Accounting Services is mishandling my financial information and charging me for a loan that should be forgiven. Secondly University Accounting Services Representatives claimed they never sent my loan to anyone else for collection and that the company calling me and sending me letters, XXXX XXXX, are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Trouble during payment process

Complaint: The company intentionally and systemically creates barriers to payment processing causing delayed payments and negative credit reporting. The payment processing website used by this mortgage servicer was constantly offline on  XXXX   XXXX ,  2017 , which was the last day to make a payment before my account reported  as a 30-day l ate. The hold times with the customer service department were extensive and I was not able to get an agent on the phone to pay over the phone. On the following day  XXXX   XXXX ,  2017  I was able to log into my account but the payment portal stated that payments can only be dated until the prior day  XXXX   XXXX ,  2017 . When I finally reached a call center agent, they advised me that it was a known glitch on the  XXXX  and  XXXX  of every month their system stops accepting payments online. The only way to process a payment was with that agent but they would charge an additional {$20.00} convinience fee. This is not a convinience when all other methods of expedited payment are turned off because of their glitch. I believe this organization intentionally and systemically causes customers to accrue additional finance charges, and turns off payment options when customers are pressed to make a payment in ord er to drive them into a payment option with a {$20.00} charge to make more money off their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AK).
Issue: Billing disputes

Complaint: I have been making payments faithfully to my Capital One XXXX credit card via phone and via mail each month. The payments are held or not applied to the account and they even tried to get into a closed bank account that I have not used in several months since moving XXXX. The money is withdrawn from my account XXXX and then they claim I did not make the payment. They are clearly taking my money, and then charging me " late '' fees for payments I 've made ON TIME. I talk to their " customer service '' people who then " reimburse '' the late fee and tell me my account is in good standing. And then? I get a bill with ANOTHER late fee on it and telling me I 'm past due WHEN I AM CLEARLY NOT past due. It 's fraud and it 's harassing and I can not stand it any longer. I 've spent endless hours on this and my time is worth {$40.00} an hour. I want them to cease and desist and leave me alone. I 'm not going to pay them a penny more for the XXXX months XXXX they 've put me through and putting me on hold for endless hours and wasting my time. My time is valuable and I 've got better things to do than fight these rotten companies with terrible business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (NV).
Issue: Taking out the loan or lease

Complaint: The companies were using a finance company to sell a fraudulent product and I believe since the companies went out of business shortly after, the finance company knew of there scam and the fraud method used. Also numerous complaints on the internet and I 'm sure with the finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (VA).
Issue: Application, originator, mortgage broker

Complaint: I am a small business owner. AIMLOAN requested the source for XXXX deposits made into my personal account. I provided them the source along with a letter from the financial institution verifying the source, which was a corporate checking account. They said a letter from the financial institution was not sufficient that they wanted the corporate bank records. They were advised that was not going to happen. They are not requiring that I find another bank account with enough funds in it to make the down payment on the mortgage. The only account I have is a XXXX, so they are now requiring I take a loan against the XXXX to make the down payment. This and other actions feels like retaliation for a previous complaint against the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive 3-4 calls daily and when I answer they hang up. This started in XXXX XXXX,2017. They have changed numbers several times and I 've blocked numerous numbers that belong to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On or about XXXX/XXXX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded in a meaningful way or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. Experian has violated the FCRA XXXX regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 
The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX DIVERSIFIED ADJST. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES CAP XXXX NA XXXX/XXXX/XXXX CAP XXXX NA XXXX/XXXX/XXXX COMENITY BANK/VCTRSSEC XXXX/XXXX/XXXX CONSUMER PORTFOLIO SVC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX NOWCOM/WESTLAKE FINANC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX FILINGS US BKPT CT IL XXXX XXXX/XXXX/XXXX BKPT CHPT XXXX DIS. 

COLLECTIONS RADIOLOGICAL PHYS. XXXX XXXX XXXX/XXXX/XXXX {$110.00} RADIOLOGICAL PHYS. LTD XXXX XXXX/XXXX/XXXX {$130.00}

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 non-monetary relief
Consumer complaint received 08/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Hello, I sold my Bitcoins on Coinbase.com to my Coinbase XXXX. Then i started a withdrawal to my private Bank account. I did this several times before. Everytime it worked. But that time it did not work. i started the withdrawal on XXXX. It says the money is on my bank account on XXXX. Still now the withdrawal is pending. But the money is not on my bank account and the money is not on my coinbase account. i wrote several emails. i waited days now. but they dont do anything. 

I already called different managers of my bank in XXXX, but the money did not arrive till now. In my Coinbase account the status of the withdrawal is " pending ''. So Coinbase stole my money and dont answer my Emails. 

Please help me to get MY money back. 

Thank you very much. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Medical debt) with Kings Credit Services (CA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: In XX/XX/XXXX I received a lawsuit from Kings credit services for the amount of {$880.00} for a medical bill from the provider in XXXX of XXXX. My insurance was provided at time of visit and other bills ( hospital and radiology ) were paid. 
Kings credit services never informed me that this bill was never submitted to my insurance. They stated it needed to be paid by me and I never provided my insurance to the hospital. My insurance investigated this and was informed by the hospital I had a zero balance. In XX/XX/XXXX a judgement of default was placed against me for the amount of {$1100.00} from Kings Credit Services, they added interest. I was informed on XX/XX/XXXX from the Collection agency that they cant wait for XXXX to pay the bill even though the provider never billed my insurance because they placed a judgement against me and they are threatening to garnish my wages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I asked Barclay card representative to fix issues with this card included interest charges for checks I never had any checks and never withdrew any cash from this card. bank failed to respond or to preform any actions to fix an issue, instead they charging me {$37.00} overdraft fee every month which is outrageous.

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 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I have been disputing a credit card that is reporting on my credit reports. Bank of America is the bank. XXXX has finally removed this account off my credit report However XXXX and XXXX are still reporting it. I keep disputing it and I keep getting the results of the investigation are that the account has been verified as mine. I just put this dispute in with XXXX again 3 days ago and they got the results of the investigation within 3 days? Unheard of. I was always told I have to allow 30  days for the investigation I also explained in my dispute that XXXX has responded to delete the account and XXXX and XXXX should be receiving the same response. I spoke with corporate office supervisor and explained that I did not make these purchases. I received a call back from corporate office a week and a half later and was told because it 's fraudulent charges they will send me paperwork to fill out and return which I did. Finally XXXX removed it but XXXX and XXXX are not doing a thing about this and my credit score is being ruined

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 filed a dispute with Equifax regarding 2 accounts with XXXX XXXX XXXX in the amount of {$970.00} and {$59.00}. On XX/XX/XXXX Equifax advised me that their dispute was complete and the account was verified. On XX/XX/XXXX I contacted the creditor in an attempt to find out additional information about this account. We attempted to located the account using my ss #, dl, address ( old and current ), phone number, account number listed on Equifax report, and name. After searching for the account well over 30 minutes without finding any accounts, I disconnected the call and called back to speak with another representative who was also unable to locate an account using the information provided. I then requested to speak with a supervisor because again Equifax claimed the account was verified and I just wanted to get it resolved. After speaking with a supervisor, who was also unable to locate an account, she requested that I fax over the documentation provided from Equifax. I immediately faxed over the documentation and followed up on XX/XX/XXXX. I was then notified that no account was able to be found. I then asked to fax some letter over to equifax advising that the account does not belong to me and of course they were unable to do that. 

I contacted Equifax again on XX/XX/XXXX and XX/XX/XXXX and requested proof or any documentation provided to confirm that this account in fact did belong to me. I explained to them that after multiple phone calls with the creditor I was unable to verify or locate an account. After speaking with the representative and supervisor I was told that they were unable to provide any documentation that states they are required to validate debt. How am i to resolve an account that does n't exist with the creditor? How is it that Equifax allegedly verified account but the creditor is unable to locate the account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owed a bill to the hospital for my son. I contacted their billing office and set up a payment plan. I paid the first payment in that amount. Every payment after that was more than the set amount. After 3 month I received XXXX messages identifying the caller as the hospital, telling me to call about my account. There were " concerns ''. When I called the number, I was told my account was in arrears. I asked how that could be since I had set up a payment plan and I had paid over the amount since it had been set up. The person I spoke with said they had no record of that payment plan, but no matter ... they could set one up now. They set it up for {$42.00} a month. I continued to pay {$100.00} a month until the final payment of {$77.00}. I then received another bill for {$100.00}. I knew I was paid in full. I received another bill. Worried that I was mistaken and trusting ( stupidly ) I would be reimbursed if I overpaid I paid another {$100.00}. Two days after it cleared I was turned over to collections. I 've called and argued. They say they never received checks in XXXX, XXXX or XXXX and they want cancelled checks. I printed them, but with my bank account on the check, wanted to walk into a physical office rather than fax, so I went to call the number again and noticed that when my bills changed XXXX from XXXX to XXXX ... after the phone calls ... XXXX the phone numbers were different. I called the local one on the old bill and got the very polite XXXX billing office. She said my account was paid in full and I was an excellent payer! No, I was n't turned over to collections! Why would I think that? I consistently paid more than we agreed? This woman was as nice as the other XXXX were rude. 
She also informed me that she had no knowledge of this other number and NO ONE did their billing but her office!!! 
I have been scammed. She gave me her name and number at XXXX XXXX XXXX Hospital. 
I called the other number back and confronted them. I accused the person who answered ... it is never the same person ... of scamming me and he claimed they represented different hospitals and I informed him XXXX XXXX just told me no one represents them. He said that 's not true and he would call her. He did scramble on the phone for awhile when I asked for a physical address of his business. 
It is XXXX XXXX, CA XXXX ( or so he says ) The number I 've called is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation