milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Incidente date  XXXX / XXXX / 17  Card #  XXXX  Term -  XXXX  Sequence #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ - ATM address.   XXXX  I went on  XXXX  to take out  XXXX  dollars from my  XXXX  bank account  XXXX  at a Chase ATM. I requested assistance at banking center and calle d Chase and  no one has been able to help me. I need this resolved asap.   XXXX  Thank you please contact me asap  XXXX   XXXX  Or son  XXXX  -  XXXX  I gave son auth to talk about my situation  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a state tax lien from GA that 's been paid and only credit report since XX/XX/2009. It 's been seven years and it should come off. All the other credit bureaus removed it with no hesitation but equifax will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, my sister XXXX XXXX passed away. She died without a will and, other than about {$1300.00} in a checking and savings account at Bank of America, she had no assets. I paid for her funeral out of my own pocket. 

Following that, I submitted an Illinois Affidavit of Small Estate, an instrument designed and enacted by the State of Illinois to expedite payment of funeral expense in such cases. I filed this with the bank in XXXX and they ppromised to contact me no later than XXXX XXXX, 2016. They did not contact me. I contacted them about a month later and they sent me some additional paperwork. I had not heard back from them so today I called them. They stated that my affidavit of small estate was missing verbiage. They stated that they could not tell me what verbiage was missing and that I must contact an attorney. 

I am seeking the reimbursement of funeral expenses from XXXX BOA 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 03-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The loan balance never goes down. Whenever I phone them to talk about the balance they cant even provide me information on how the interest is calculated. 

When you log in to the account online there is no information on current balance, or interest applied to the current balance. My loan is 5200 $ ( aprox ) and when I calculate 6.8 % that is 350 $ roughly annually, this would be okay but I always pay more than 350 $ /12 - I think that the way they calculate their interest is slimy and not honest.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IA).
Issue: Other service problem

Complaint: Hi, My account is blocked due to identity verification which not allows me to sell or buy any virtual currency. I can not do anything on my account on coinbase since it keeps asking me to verify my identification. I already submitted my driver license and it got accepted. However, coinbase still requires me to complete the personal information which I had tried to complete with my information but it kept saying that " could n't verify my account, try again in the next 24 hours ''. Also, the quiz question made no sense and not related with me. For example, the quiz gave me a list of cities and asked me what city that had XXXX XXXX How do I suppose to know what city has XXXX XXXX? And why coinbase used this kind of question to verify my identification when there was nothing relate with me. And since coinbase kept asking me to try again in the next 24 hours ; in another word, coinbase locked me from performing any activities on my account, including but not limited to, selling, buying, withdrawing, etc. I currently have {$6500.00} in the account and all I want is my money back. I do n't want to do business with Coinbase anymore. Please help me! {$6500.00} is a big money for me, I just want my money to pay for my tuition fee.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company USCB America has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Name of the Bank : American Express Complaint Reason : No cash rewards ( {$250.00} ) as they advertised after applied for credit card and spent more than the amount of money ( {$1000.00} ) in the first 3 months Date : XXXX 2017 Actions taken by me and the company : 1. Called Amex agent. They filed a case and admitted this issue. They said this is a known issue and they would resolve this issue in 2 months. After that, the reward would go to your account.
2. Made another call in XX/XX/XXXX as their promised rewards were not fulfilled. This time Amex agent said it is a system issue that impacts all the accounts opened in XX/XX/XXXX. The agent can not resolve the issue and said there would be no a time frame when this issue could be resolved in near future. 
3. Made the third time call in XX/XX/XXXX. The Amex agent said this system issue is still not resolved and can not tell you when this issue could be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: 1. I opened a free business checking with BBVA Compass in XXXX 2. I opened a personal checking with BBVA Compass in XXXX 3. Unbeknownst to me and without my permission, a {$1000.00} line of credit was opened in my name and attached to my account 4. I closed my free business checking in XXXX XXXX and kept my personal checking. 
5. My access to business checking statements was removed from my online banking, and I have since been requesting copies of all statements for recordkeeping and business obligations 6. It has now been three weeks since I have been promised either paper or electronic copies of my statements. I have been contacted at my home to open a money market account in this period by the same banker, but no statements 7. I am in the process of purchasing a home and need income documentation. My calls to the branch manager have left me on hold for 30+ minutes and calls to my banker, XXXX unanswered. 

I am seeking the following : 1. My bank statements for BBVA Compass account # XXXX 2. Prevention of banks like BBVA Compass from opening lines of credit in their customers ' name without their permission 3. Instruction that my banker can not pressure me into a money market account Note : I have a high balance and income. & gt ; XXXX each.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My niece forged a power of attorney and put me in the VA hospital based on my XXXX and forged a power of attorney, she had someone impersonate me and purchased a home in XXXX. The first mortgage company realized this, but she had a second mortgage and the company insisted it was my debt. They turned it over to Real Time Resolutions who have been hounding and threatening me about a debt when the person who forged the documents was investigated by the Michigan XXXX and the forgery was proven. Police reports were made but Real Time Resolutions still hounds me constantly about this debt that is n't mine. The odd thing is the perpetrator lives in the home which is worth 5 times what Real Time Resolutions has hounded me for, they know who she is, and refuse to contact, sue her or repossess the property which is n't and was never mine to begin with. They are loud, make threats, are harassing, and violate the law. The odd thing is the original creditor knew it was fraud and offered to settle for {$2000.00} to get it off my credit record. I turned them down because it is n't my debt and it 's a secured loan on a property both the original lender and Real time Resolutions refuse to foreclose on. Real Time Resolutions continues to threaten and harass and even called asking me personal information that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with U.S. BANCORP (CO).
Issue: Billing disputes

Complaint: I ordered an online personal income tax software package from XXXX XXXX XXXX XXXX on the XXXX website on XXXX/XXXX/16 using a US Bank Credit Card for {$27.00}. I never received the e-mail with the download code, so I could never gain access to the tax software. I contacted XXXX & XXXX XXXX, XXXX and US Bank in order to get the software or get a reversal of the {$27.00} charge on my credit card. All refused to assist me in getting the software or a credit. US Bank gave me a credit on XXXX/XXXX/16, but then reversed the credit on XXXX/XXXX/16.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX and gave them all of the companies above with inquiry dates which are listed above. I asked XXXX to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. XXXX was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. 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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( Ditech ) changed their computer accounting system which caused them to incorrectly report me as being 30 days late on my mortgage payment. They put this on my credit record. This happened back in XXXX of 2016. After several phone calls to them, they have not corrected the error. I found out about this when I went to apply for a loan. What can I do about this? They are very unresponsive, but they do admit to the error. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (FHA mortgage) with MORTGAGE LENDERS OF AMERICA (IL).
Issue: Settlement process and costs

Complaint: I applied for a loan with mortgage lenders of america with loan officer XXXX XXXX went through whole process pre approval, finding a place, paying for inspection, given earnest money, and paying for appraisal one week before closing date my application was denied because of something in my credit report but they pulled my credit before we begun the process so they already knew what was on there

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (I do not know) with Senex Services Corp. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Senex Services Corp. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We feel that we are being treated unfair and that there are deceptive practices happening with the  1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a so lid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you  XXXX   XXXX  and  Ditch for ta king the little guy out even though they have worked their hardest to pay their obligation in full back to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Diversified Adjustment Service , Inc. is attempting to collect on a debt that I owe with XXXX XXXX. I mailed a letter directly to XXXX XXXX on XXXX/XXXX/2016 asking if I can settle the debt and have the trade line removed from my credit report. Diversified Adjustment Service, Inc mailed a letter asking for a 50 percent settlement. I want to know if I settle the debt could XXXX and the Collection Agency remove the trade line 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 01-04-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report had a XXXX XXXX charged off account. The account was charged off in XX/XX/XXXX. XXXX Account # XXXX. This account was sold to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX, Equifax automatically deleted the XXXX account off my report as it too old to report. However, XXXX did n't delete the XXXX XXXX account which is based on XXXX XXXX, the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My current TransUnion report shows XXXX separate XXXX accounts. XXXX switched all customer credit cards on or about XX/XX/2016 from XXXX to a XXXX account. Yet, BOTH still appear on my report as separate accounts, with both showing a credit limit of {$18000.00}. This is in error. I only have XXXX account with XXXX, and it is now a XXXX account ( beginning with the numbers XXXX ). Please show the previous XXXX account as PAID ... or remove it entirely from my report. It is a duplicate account that does n't exist now, and the debt showing of {$11000.00} is not valid. My current balance is around {$10000.00} and is associated with my new XXXX account with 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 06/21/2015 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Paramount Recovery sent me information that states a {$0.00} and they are reporting a balance of {$2900.00} to all XXXX credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: WRONG ADDRESS ON MY REPORT NEVER LIVED THERE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery has a collection for XXXX that belongs to my mother ( we have the same first name ). I have disputed it on my credit report and it remains..I have contacted Enhanced directly and they simply sent me a detail of payment due ( attached ). I want them to contact the credit bureaus and remove this. This is a violation of Federal Law. Her name is XXXX. My MIDDLE NAME is XXXX. We shared the same address. The account number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX XXXX account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been working with Midland Credit Management , Inc since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from Midland Funding, LLC. I informed her that I never had a credit card through XXXX XXXX. So I contacted Midland Credit Management, Inc on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that Midland Funding, LLC sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to Midland Funding, LLC on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.

Company response to consumer: Closed with non-monetary relief