milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2017 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Billing disputes

Complaint: We are residents of XXXX. On XX/XX/XXXX, we were in XXXX and purchased merchandise. The purchase consisted of five items at a total cost of {$140.00}. Unfortunately the amount sent to the credit card companies was erroneously listed at {$740.00}. ( attachments 1,2 & 3 ) This is {$600.00} more than the correct amount of {$140.00}. When we contacted our credit card company by phone regarding the error, a temporary credit of {$600.00} was issued to our account. On XX/XX/XXXX, we received a letter dated XX/XX/XXXX, ( attachment 4 ) requesting we return an attached form by XX/XX/XXXX. The form was immediately filled out and mailed. Because the letter arrived on XX/XX/XXXX, it could not be retuned to our credit card company by XX/XX/XXXX. On XX/XX/XXXX, ( attachment 5 ) we received a letter from our credit card company indicating the {$740.00} charge was valid and the temporary credit of {$600.00} had been removed, thus reinstating the $ XXXX charge to our account. On XX/XX/XXXX, we mailed information to our credit card company explaining the circumstance of the dispute. ( attachments 6 & 7 ). On XX/XX/XXXX, we called the merchant. We texted him a copy of our receipt in the amount of {$140.00}. He agreed that the charge of {$740.00} was incorrect and that we should have been charged {$140.00}. On XX/XX/XXXX, we had a letter faxed to the our credit card disputes department from a local branch of the bank who controls our credit card ( attachment 8 ). At my request on XX/XX/XXXX the merchant contacted his bank explaining the {$600.00} overcharge. The XXXX bank immediately removed the disputed {$600.00} from its account. ( attachments 10 & 11 ) Knowing this, I have called the Chase Disputes Department numerous times to inform them of this only to be told by supervisors that the matter was being handled either by " the back office '' or the " representment? team ''. I was never allowed to speak with people in those offices. On XX/XX/XXXX, the merchant sent me the document he received on XX/XX/XXXX, from his bank showing the {$600.00} adjustment to his account. On XX/XX/XXXX, I again had a letter faxed to my credit card company with the additional documents from the merchant ( attachment 9 ). The XX/XX/XXXX, fax was sent 92 days after the XX/XX/XXXX, communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have XXXX complaints. 1. I attended a school for to be an XXXX. The school XXXX XXXX XXXX closed and did not disclose that it was uncertified? The school Claimed that I would be taught to be a XXXX in 10 weeks. I paid {$12000.00} in student loan from XXXX now navient. 
2. My father co-signed for my student loan and navient refuse to Remove his name from the loan when the agreement called for him to be a co-signer for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX, Equifax and XXXX all improperly report my XXXX credit with only a {$1000.00} credit limit when in fact it is {$4000.00}. They report the proper amount owed but do not reflect the {$4000.00} credit limit. 

Equifax improperly reports my XXXX credit limit as {$2000.00} when it is actually {$3300.00}. They are also several months behind in reporting the correct balance owed, as they show it as {$830.00} instead of {$41.00}. 

Both of these errors lower my credit score, which is important at this time as I am looking toward buying a home. 

Thank you for your assistance in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I reviewed my transunion credit report today and noticed that there have been XXXX hard inquiries put onto my report. Some of these are from XXXX ( which should not be on being it 's XXXX XXXX XXXX ). The other one 's are from XXXX. I immediately called transunion and was told they ca n't remove hard inquiries that I need to contact them directly. I tried to contact them directly but have no phone numbers. I have not applied for credit in a few months now as I am trying to increase my score and having any inquiries will affect my score. I am submitting this complaint because I did not apply for any credit with any of these companies plus as I mentioned earlier some of them are from XXXX that were just put on today. This is unheard of and transunion will not help me.

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 05-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX / XXXX /  XXXX   - I am a co-signer on my daughters  Navient Student L oans. We have been trying to get the payment lowered to an amount that is financially possible based on her income. They currently have her monthly payment at {$1200.00} a month. Today we called and asked again about lowering the monthly payment and we were told that she has  3 mo re months of forbearence and that we could n't speak to anyone in collections until she has utilized all the forbearence that they offer. This will only lenghthen the time of the repayment period as well as add interest and therefore increase the monthly payment. We also inquired about co-signer release, which we were told that she would need to ma ke 12 con secutive payments to release the co-signer but after the co-signer is released they still  may not d o an income based repayment for her anyway. So as of today we put it back into forbearance which is adding on interest and the amount of the monthly payment to go up. We need to recify this and get the payment to a doable amount per month for her. How can we do this? Please help.     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Payday loan) with National Credit Adjusters, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an incorrect collection on my credit report without verification of debt. I asked for verification of contract and have yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 opened a loan with XXXX, and they made me do a 1 month term loan after getting out of school they demanded i pay the loan back in full during the first and only month to repay it, i could not afford of pay the loan back in all of one month, this has effected me and i cant get certain loans because of the payment history of this loan even though i eventually paid it off. 
ive disputed this through the 3 major CRA and they have denied to take it off my report DO NOT get a loan through them you will regret it.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a couple of hard inquiries that I have been trying to have removed. These inquiries are causing issues with me trying to attain new credit. I would like them removed please. I have called, emailed, and disputed as well as sending this. Please help me with this issue. 

XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I used XXXX to get money before my pay day and it made my account negative {$26.00}.

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 monetary relief
Consumer complaint received 06/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We recently received a letter from Wells Fargo Bank dated XXXX/XXXX/16 from a XXXX XXXX, wherein Wells Fargo threatened immediate legal action to foreclose on my family 's home, without stating a specific date for proceeding with foreclosure action. 

Wells said they can not delay foreclosure action, but still refuse to give a date for beginning such action. It seems unfair to trap us into foreclosure or to trap us into a last second foreclosure by blindsiding us without a date specific with reasonable notice of at least 30-45 days. 
Wells say in their letter 'we can not delay potential legal action to collect the balance of your loan, which may include foreclosure ' For about six weeks or so, we have been asking Wells Fargo to supply us with a date when acceleration of a pre-foreclosure status and their threats of 'immediate forelosure ' in this case will proceed. 
We have a hardship 401 k loan available from the corporate administrator of my wife 's 401k account. She has been employed at The Gap for twenty two years. 
The IRS requires a date forward for XXXX to release our own dollars in our 401k account. 
Wells refuses to give us a date forward on the one hand, so we can access our 401k account to pay our mortgage and avoid foreclosure, but threatens us with immediate foreclosure action on the other hand, while still refusing to give us any date when such action may begin. 
This unfair entrapment by Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06/18/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Pinna cle LLC c/o  Resurgent Capital Services is a debt collector for  XXXX   XXXX . They have never sent me any invoice bearing my signature that I initiated a contract with them for this service they are trying to collect on. I am a current customer of  XXXX   XXXX  and at no time have I ever been informed that I am being held responsible for a debt in the amount of {$980.00}. I have sent certified letters to this company asking for them to verify this debt by sending me a copy of the original agreement or contract bearing my signature that binds me to this debt. In resp onse Pinnacle has sent me copies of phone bills but no contract. According to the FDCPA, a debt that is accrued without a binding contract bearing one 's signature can not be reported to credit bureaus as accu rate information. So therefore Pinnacle LLC is breaking the law by reporting this inaccurate information and the credit bureaus need to be aware of these fraudulent activities because they are also breaking the law by having false information being reported according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I went to the TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX on Sunday XXXX XXXX between XXXX and Noon to make a deposit to the ATM. I deposited somewhere around $ XXXX {$320.00} in the machine, at which point the machine withheld my card and failed to credit my checking account with the amount I deposited. The machine then displayed a message asking me to speak to the branch manager. I went inside and filed a claim, but they were very dismissive and declined to give me a temporary credit. I was told to wait XXXX10 business days for the issue to be resolved and given no other recourse. This is two days worth of pay for me that has now just disappeared into the ether and I 'm being asked to remain patient while this institution decides whether or not to return MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Penn Credit Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Penn Credit Corporation continually called our home trying to collect a debt we did not owe with a false account number and amount owed. The woman on the phone demanded a credit card to pay off the amount due immediately. I refused to give information over the phone and asked for the creditor and account number for the amount due. I then called the City of XXXX revenue borough to make sure that I did not owe money. Penn Credit had given a false account number and tried to collect over {$4000.00} not owed the city of XXXX. I can only assume this is a scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Medical) with Senex Services Corp. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX hospital did n't file with my insurance company in a timely manner and waited 4 years to ask me about it. I have proof I had insurance at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I went online to choose a credit card becuase i have some travel plans coming up and need to purchase tickets now. I read and compared offers, I choose the Capital one venture card because it offered zero percent for a full year and then stated would be 12.99-22.24 % based on your credit worthiness. I was also looking at this ending score after one year. I was approved for the card right away but was given the offer of 22.24 %, my credit score XXXX, I feel it 's pretty good, maybe not the absolute best. I feel their company is providing false advertising. Many companies are trying to pull this, if after one year the ending score is over 15 % I through it away. They should n't tell people 12-22 % when they have no intention of giving that interest rate. I called them to ask if I could negotiate this rate and they told me its all computer calulated so NO!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (Credit card debt) with Cooling & Winter LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The 2016 court ruling on CFPB vs XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) determined that those attorneys violated the FDCPA and were ordered to stop specific violations. Cooling and Winter have established a new law firm in which they continue those illegal litigation practices. I was served a complaint by Cooling and Winter on behalf of XXXX XXXX XXXX for a credit card debt. No attorney was meaningfully involved in preparing or filing my case ( violating 807 ( 3 )  of the FDCPA ). I called the law firm 's contact number XXXX and XXXX and was always routed to a representative or ( if busy ) a voicemail. When a representative answered he would always route me to XXXX XXXX XXXXr, who he claimed was the " agent '' handling my case. XXXX XXXX 's extension always goes straight to his voicemail and he returns your call at a later time. If all representatives were busy when I called then I would be routed to a voicemail box. To no avail I 've repeatedly asked to speak with the attorney handling the lawsuit. The " agent '' handling the lawsuit ( XXXX XXXX ) is a debt collector with XXXX XXXX XXXX, XXXX ( according to his site ). The ratio of attorneys that ACTUALLY PRACTICE with this law firm compared to the number of suits filed would be consistent with a lawsuit mill. I emphasize 'actually practice ' because although they list 7 other GA attorneys at this firm, almost half of them have not filed one case at this firm. In addition, I received a copy of a notarized affidavit that will be used. The person on the affidavit states that they are a " Litigation Support Representative '' and " employed by XXXX XXXX XXXX, XXXX, an affiliate and service provider to XXXX XXXX XXXX ( USA ), N.A. '' In the statement, the representative never admits to having " personal knowledge '' of the account, only having " reviewed the records pertaining to the account. '' Per the court ordered judgement, Cooling and Winter were ordered to restrain from : 10. ( a ) " presenting to a court any affidavit in which an affiant represents, expressly or by implication, having personal knowledge of the validity, truth, or accuracy of the character, amount, or legal status of any Debt, when that is not the case ; '' I sincerely hope that the CFPB will look into the practice of this company and continue to help customers that are violated by their illegal practices. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Savings account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX First National Bank acquired XXXX branch offices from XXXX XXXX. As a result of this transaction both our checking account and savings account were automatically transferred to First National Bank on XXXX XXXX. Our mortgage remained with XXXX. 
The XXXX XXXX Bank accounts were established ( XX/XX/XXXX ) as a contingency for receiving a mortgage. One requirement being to have the mortgage payment paid directly from the checking account. The only requirement on the savings account was to maintain a minimum of {$25.00} and all fees were waived. 
At no time were we notified by either bank that this arrangement would change. In fact the mortgage was still automatically being deducted from the new First National checking account. 
On XXXX XXXX we visited our local First National branch to withdraw our balances and to close our accounts. The checking account balance was what we expected but the savings account showed a balance of {$1.00}. I questioned this figure and the teller pulled up the account on her computer screen and explained that the reduced balance was the result of fees and finance charge for the account being inactive. I expressed my displeasure and the bank manager called the branch that was responsible for the account. She spoke with the assistant manager who offered to refund {$10.00} in addition to the {$1.00} balance but no more since we were closing the account. 
As of XXXX XXXX we had not received a statement from First National or any communication about their policy on this savings account. As of this date, XXXX XXXX, XXXX, we have received only a notice of the account being closed. I am expecting to receive an end of quarter statement at the beginning of XXXX which I expect will agree with printout that I received from the teller on XX/XX/XXXX. It showed that the bank deducted {$10.00} " dormant account fee '' on XXXX XXXX. This is a mere 11 days after the account was transferred to First National. This was followed on XXXX XXXX with a {$4.00} " service fee '' and by another {$10.00} " dormant account fee '' on XXXX XXXX. 
This whole thing over {$25.00} may sound petty but First National did the same thing to my daughter and her husband. I suspect that we are n't the only accounts that have been ripped off. This could be a substantial amount of money if they did this with every account that was transferred in the sale.

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 07-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am the executor of an estate that is in a foreclosure status with a sale date of XXXX XXXX. We received documentation back in XXXX 2013 that the property had been paid in full prior to Bayview Loan Servicing , LLC acquired it from a portfolio I was told they bought. One asset manager tells me Bayview is the owner of the property and the servicer while another tells me that they are subservicing it for XXXX XXXX XXXX, which XXXX denies. The foreclosure notification and any paperwork that Bayview or their attorney sends to me states that XXXX holds the note, which I know is not correct. They were the trustee for a trust that the mortgage was in at one time. It has since been dissolved. I need assistance with having this alleged lien cancelled/satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I went to my bank to transfer XXXX USD to my Coinbase account. Prior to transferring the account, Coinbase was claiming to transfer incoming wire within 1-2 days. So, I proceeded to transfer to my account in Coinbase. I waited 2 business days and no funds were  available, so I submitted a ticket to support. Since Coinbase does not have a support number for wire transfer I could not speak to anyone about my case. After a couple of days I got a generic email saying they apologize for the delay, they were behind on wire transfer and all transfers should be completed. I replied back to the email explaining that my account does not have my funds transferred. Again after a few days, I get no response so I continue to ask for updates. Coinbase only replies with a generic message but no indication that my funds are available or what the delays maybe. Ive sent over 30 emails with no resolution.

Company response to consumer: Closed with explanation