milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I was paying off my credit card with XXXX Bank. I called XXXX for my account number because I was paying it off with my online XXXX with XXXX XXXX and XXXX. I sent them XXXX to pay my card off on XXXX/XXXX/XXXX and it went to XXXX on XXXX/XXXX/XXXX. I started getting phone calls about being past due. Now they 're telling me that the account number that THEY gave me was for a paid off loan and they have no idea where my XXXX  went. XXXX XXXX has given XXXX the Credit Trace number, the File Trace number and the date that they received my XXXX} and XXXX keeps telling me that they lost the XXXX} and that I have to file a dispute with XXXX XXXX. I do n't have a dispute with XXXX XXXX, I have a dispute with XXXX Bank. An employee of XXXX is now telling me that I owe hundreds of dollars in late fees and that it 's not their fault that they gave me the wrong account number when I called back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX hired Financial Asset Management Systems to Collect on a private student loan. Financial Asset Management Systems has repeatedly used deceitful collection practices to try and collect on the debt. I called Financial Asset Management Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. XXXX has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Payday loan debt) with MARINER FINANCE, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am past due on two payments ( total of {$210.00} ) with the compan y Mariner Finance i n  XXXX ,  XXXX  and let them know about a week ago (  XXXX   XXXX  ) that I 'd call to schedule my payments when I get my commission check. I recently changed my phone number (  XXXX   XXXX  ) because I live in  XXXX  now and none of my customers like to answer my  XXXX  cell number I had, plus I kept getting telemarketing calls. The day after I changed it, my older sister ( who was a reference of mine on my application for the loan ) texted me and sai d Mariner Finance  in  XXXX  called her and tried asking for my information. Then my sister-in-law called me and told me the same thing. In fact, my sister-in-law told me that the lady  XXXX  lied to her and said she needed my new phone number because she wanted to contact me for an interview. She blatantly lied to my sister-in-law to get my phone number. Then  XXXX  called me and left a voicemail, telling me she would take me to court if I did n't give her a call back tonight. I called her back and set up my payment for this week. I then continued to say how upset I was that they reached out to my references who did n't know and did n't need to know I had finance issues.  XXXX  then hurried off the phone in an unprofessional manner.

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 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, I purchased {$500.00} worth of bitcoin on Coinbase 's app with my XXXX credit card, but the the coin did not come through. On XXXX XXXX they sent me an email saying : " On XXXX XXXX, XXXX, you ordered XXXX BTC via your payment method for {$500.00} USD. 
Unfortunately your transaction has been canceled by our banking partner. If your payment method was charged, you will receive a full refund as quickly as possible. If you have any questions, please contact our customer support team. 

We apologize for any inconvenience! '' I have emailed them a couple times since then and they have been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX unjustly report at me late I sent evidence from freedom mortgage to the credit bureau showing that I had made my payment on time they refused to take it out of my credit report stating that XXXX does n't want to remove it so they 're unwilling to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2018 about Debt collection (Other debt) with U.S. BANCORP (KS).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a call from a XXXX XXXX claiming he was a lawyer with XXXX XXXX XXXX and that I was due to be receiving a judgement against me for a total of {$3700.00} either at my home or place of employment and to call him back at XXXX XXXX XXXX.

When I called him back he refused to provide me additional details and insisted that I was going to be served this judgement, would not provide documentation as requested, told me that I was being charged with fraud, and hung up.

Later that same evening my mother received the same phone call from this person with the same claims.

This morning I received a call from a XXXX XXXX at XXXX   stating " My name is XXXX XXXX. At this time I have been retained to come in contact with you to serve you legal notice either at your home or place of employment. If you need to reschedule delivery please call XXXX. '' On XX/XX/XXXX I called the local police and was advised that this was a scam and to contact consumer finance and not give out any information.

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 03-06-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted them to update and delete inquiries that should be coming off my credit report this month and they illegally pushed the date of removal to the next month. There is also a reported closed account that has been paid in full that has not been removed despite providing proof that it should be deleted. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX National Credit Card Cos. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX National Credit Card Cos . 
XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted several disputes including Ftc.gov Fraud Affidavit to Equifax. I recently sent them a Fraud Affidavit along with a police report with regards to the XXXX XXXX XXXX - Acct # XXXX. I received a response from Equifax stating that they verified account and the item belongs to me. This account do not belong to me. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Medical debt) with ARC Management Group, LLC (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXXI sent a letter to ARC management Group LLC in Georgia to verify a debt that was being reported on my credit report. This item was sent certified mail. The mail was returned to me and the address it was sent to is the one they report on my credit report. By laws the information is being reported is inaccurate sense the certified mail was returned. I have n't received any verification of this debt. I also disputed the item on my credit report through XXXX with the returned mail. This is violation of FCRA and FDCPA and the information ( address ) the company supplied is false. This item should be deleted from my credit file. The address used was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX. As you can see the certified mail was returned. Equifax continues to verify the debt but when I tried to get validation the mail was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Great Lakes has not informed us appropriately about how income-driven payment options would allocate monthly payments for my wifes student loans. My wife has been enrolled in income-based and/or income-driven plans for student loans. We made {$1000.00} monthly payment for first year and than increased payment to {$1800.00} monthly in second year. Almost all of our payments were allocated to the interest, esp graduate plus loan payments. Therefore, our total loan payments increased by at least $ 18-20K since she graduated from the XXXX school. I have personally called them many times to pay the loan amounts in a greater portion to reduce the principal amount. During those calls, they never discussed about how we can pay on monthly basis to reduce the principal amount. It seems that greatlakes failed to discuss the minimum amount needed beyond the {$1800.00} we have been paying to reduce the principal amount. Therefore, providing very poor customer service, not looking into the best interest of the borrowers, pushing the borrowers into more debt amount. This is very unethical way of doing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Mortgage (FHA mortgage) with FIRST GUARANTY MORTGAGE CORP (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir and/or Madame : As a XXXX, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help. It still shows problems with accounting and presents more questions. 
I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX XXXX Inc. - accounting, letter of transfer XXXX - accounting XXXXg

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 12-08-2015 about Debt collection (Medical) with Collection Service Center, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't owe this debt, I do n't know who this company is, and I would like them to prove that I was under contract with them. If they bought the debt from some other company, then that would be a violation of HIPAA. Regardless, I do n't owe this company anything, and they must be removed from the 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 04/27/2017 about Vehicle loan or lease (Loan) with DriveTime (SC).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Drive Time is an National Buy here pay here car  lot who predatory practices are criminal. THEY sale customers a vehicle wort h  XXXX -   XXXX     XXXX  dollars mark it up on the lot to aroun d  XXXX -   XXXX   XXXX  then act like there getting you a loan when it 's a buy here pay there is no loan and the loan is at o ver 20-  30 % interest leaving you a bill of ov er 21k fo r a used vehicle worth  XXXX . I 'm sure there paperwork is in order when it comes to legal issues I just think the government needs to step in and do something about it its like me charging  XXXX  $ for a gallon of milk just because the time was rite its an immoral unfair business practice they need to be shut down or fined. There customer base is single parents and low income so they 're paying car payments every time they get paid meaning some months they pay over 600+ per month this product is not helping anyone but the owners of the company a  XXXX  sold for  XXXX  that 's  XXXX  profit will some one look into them thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (IA).
Issue: Managing the loan or lease

Complaint: I took out a venicle loan in XXXX with Car Finance.XXXX I received monthly statements from them until approximately XXXX, XXXX, at my previous address in XXXX. In XXXX, XXXX, I moved to XXXX and have sent my payment every month since then along with a letter advising of my address change ( see attached letter ). I have also contacted them by phone to advise of the address change several times. To date, I have never received a statement at my new home address. All I am asking for is a monthly invoice to be sent to me, and it seems impossible to get this from Car Finance.XXXX I have delapyed sending my payment in at times as I was hoping to get an actual invoice from them, so I think that any late fees I may have incurred since XXXX XXXX should be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: Issue : Citibank deducts face value difference XXXX XXXX vs XXXX dollars ) from account principal, not pending deposited amount, on deposited cheques in XXXX currency. I filed a CFPB complaint one month ago, and was contacted by a Citibank representative who apologized in writing and assured me this would not happen again. However, it happened with the next XXXX cheque I deposited, resulting in a bounced cheque due to funds withdrawn from the account to cover the CAD to XXXX exchange rate. A citibank representative then refused to refund the bounced cheque fee, despite being informed of the outcome of the previous complaint ( refunded fees XXXX, and verifying it in Citibank 's records. 

Narrative : I regularly deposit paychecks in XXXX XXXX XXXX XXXX XXXX into my Citibank bank account. Citibank first deposits the checks as if they had been made out in XXXX. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive 2-3 weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on three occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: JP Morgan/Chase has decided to eliminate an Overdraft product which allowed consumers to attach their ( Chase ) credit card to a checking account - see attached document. This product protected the customer from inadvertent overdrafts and also allowed immediate access to uncollected funds by utilizing the credit line to cover any insufficiency in funds availability. I have had this product since XXXX ( Chase predecessor Bank : XXXX XXXX XXXX ). 5 weeks ago Chase communicated to me that this product would be eliminated in XXXX of XXXX and advised that Overdraft Protection/ Funds Availability coverage would now only be provided if I fund and associate a Chase personal Savings account for that purpose. 
I am a Chase retiree and a Account holder since XXXX. My checking account has had Overdraft/ Uncollected protection through my associated credit card for 35 years. It should be noted, I have several Chase credit cards and spend $ XXXX on the Chase card that also provides my OD protection. I have reached out to Chase customer service and their response has been to advise me they will start charging me {$34.00} for insufficient funds unless I " gift '' them a personal Savings Account. I say " gift '' because Chase is n't really paying interest on personal Savings Accounts ( 0.01 - 0.03 % ) - see attached copy of those communications. 
I believe this is a predatory policy change affecting all Chase customers. However, more critically I see this change impacting senior citizens who - like myself, have been long time Chase account holders. I estimate conservatively that this change could impact XXXX to XXXX XXXX US senior households with a Chase Banking relationship ; this estimate is based on the following facts : 1. ) JPM Chase has relationships with 50 % of US households ; 2. ) The XXXX Census reported XXXX XXXX US citizens XXXX and over. 
As a senior citizen myself, I know my fellow seniors are resistant to change, have money, are good credit risks and in many cases not in the practice of monitoring Bank originated communications. 
In closing, I want Chase to grandfather this protection for existing senior citizens. Maintaining this service has no cost to Chase as the infrastructure is in place. I need your help to get this done!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: I am very dissatisfied with the results of my complaint. It was against Washington Mutual whose loans were assumed by Chase. I received an unsigned document that was written by someone who had not taken the time to understand the scam we were drawn into. I have responded and am sending the CFPB a copy and requesting a follow-up inquiry to assure someone at Chase takes the time to review and understand what happened to us.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE SUBMITTED THE PAPEERWORK AND DOCUMENTS AND THE CREDIT BUREAUS HAVE TOLD ME TO CONTACT THE CREDITORS TO DEAL WITH THEM REPORTING INACCURATE INFORMATION, AND INFORMATION THAT DOESNT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I work very had to make sure I stay on top of my bills and commitments and I was astounded when I learned Equifax placed an unknown BK to my credit. 
I contacted them immediately and the error was removed. However, i received an alert8 months later that the improperly placed BK has been RE-INSTERTED to my credit!!! 
I am requesting that the unknown entry be removed immediately It says on my credit that the BK was filed in XX/XX/XXXX when we are in XX/XX/XXXX!! 

US DIST CT Date Filed XX/XX/XXXX Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with EMG ACQUISITION GROUP, LLC (LA).
Issue: Received a loan you didn't apply for

Complaint: Money was put in to my account without permission they also was not suppose to put money in with the permission of the owner they claim that its was a loan and it was their money and they remove it because it belongs to them. And they claim that someone in the middle of the night on XX/XX/XXXX tried to obtain another loan on XX/XX/XXXX and it was rejected.They claim someone of this computer frudalancy took out a loan without the permission or consent of the owner Since we both know the account number and bank account number which can be my social security number instead of the bank account number and that 's not so! We have survallence videos of the room at night .If anyone operated the computer at night, we will know! That happens at night in this room. The video camera 's in this room stay on 24 hours a day 7 days a week 365 day a year.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX had my child support payments deposited into accounts that he was not intited to, according to USAA XXXX XXXX put my name As a profile as we were married in which we have never been married. When I talked to a XXXX from the fraud department she stated there was multiple accounts that had me as a profile as spouse but I did not have access to the bank accounts. According to her statement since we resided together during that time they were going to treat as we were married and he was intitled to my child support payments and other deposits that are unknown to me at this time. When I asked for a copy of the bank statements I was told she is not able to give me those bank statements due to my name is not on the accounts. When I asked XXXX how can someone deposit money into a account that does not have my name on the account that I do not have access to. I was told if I wanted a copy of the statements I would need a court order. She also stated he also had me as a spouse under there auto insurance policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation