milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE XXXX OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.

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 09/14/2015 about Debt collection (I do not know) with Seterus, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: an account was opened without my permission that i dont recognize due to identity theft yet it continues to report even though i have copies of my police report id theft affidavit ftc all notarized information

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt has already been removed from my credit report because it is outside the statue of limitations. The debt is 8 years old and in my state can not be collected. The original debt was {$200.00} and this company is sending me a bill for {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: in an nutshell i am a victim of identity theft, i am in the process of fighting back against the terror that i have been plagued with. Bank of America, where my Business bank account was opened at had been compromised, after a long and through investigation, I have deducted that whoever hacked and stolen my personal information was able to compromise all of accounts, since i started the business in XX/XX/XXXX, i have reported this to the IRS. via affidavit. the transactions are consistent in high dollar amounts. They finally ended when the account ended 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax had a security breach and requires me to pay to freeze my credit, even though I was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: American Express They committed wire fraud, which is a felony. I don't expect anything ever to come of it because nothing ever does and the consumer keeps getting XXXX over. 

In short. I had a small business credit card dating back to the beginning of the ongoing crisis. They promised me if I paid off the card, I would get a new card and all my considerable reward points. 

The problem became clear when I discovered XXXX XXXX is actually outsourced to XXXX XXXX firms who lie and cheat and do whatever they can. Including sending letters under false letterheads. 

In any event, I paid it off, and XXXX is denying everything. They are XXXX XXXX XXXX XXXX. 

Here is the sad part. I know nothing is going to come of it. They act with impunity and the fact that we bailed out these miserable XXXX only further emboldens them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: After filing an initial complaint regarding how Santander would not accept my payments, I filed a complaint to get help from the CFPB. They responded and ignored the complaint. Since then I have been working with them trying to figure out why I have so much additional interest being paid on my account. Tonight I found out that they would not except my payments in XX/XX/XXXX, and rolled the balance due in XX/XX/XXXX into XX/XX/XXXX. So now I do not know anything from XX/XX/XXXX or XX/XX/XXXX but I owe {$810.00} on XXXX/XXXX/2016. My standard monthly payment is XXXX. Not only are they charging me additional interest but now they are extending the term of my loan that I did not approve of or accept. this is a separate complaint but it is based off of the first complaint as the second complaint it is regarding retaliation by Santander. They continue their corrupt and predatory business practices and I 'm once again left with no option but to reach out asking for help to someone who can make them respond. tonight after trying to understand what they did XXXX the representative disconnected the chat and is now blocked me from chatting with them any further. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Credit card) with Stenger & Stenger, P.C (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I recently received notice from a law firm, XXXX XXXX XXXX stating that a lawsuit was filed against me by XXXX XXXX XXXX XXXX. XXXX XXXX is first attempting to collect on a debt that was discharged in court because they failed to appear in court after I objected to the accused charges. Some time has passed and the debt that is claimed that I owe is now time barred. The statute of limitation to collect debt in Michigan is 6 years. I find it unreasonable for me to have to take off from work to file a counter suit against this collection agency when they are knowingly breaking the rules established by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Rewards

Complaint: I applied for TD Bank EasyRewards card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first 90 days. I have spent more than {$500.00} within that timeframe, but have never received this bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with Coinbase, Inc. (CT).
Issue: Problem with customer service

Complaint: I've had a hold put on my account for nearly a month now, and have not been able to buy, sell, or withdraw money from my account on Coinbase. Up until this most recent ID verification at coinbase.com/ssn, I have been able to easily verify my identity; and now that this latest verification is not working, my account is essentially frozen- no buys, sells, or withdrawals, even if I try to permanently delete my account. I've contacted customer support several times. I have about $350 worth of bitcoin that I would like to sell, and over $5k in my USD wallet that I need to withdraw.First (XX/XX/XXXX) and second (XX/XX/XXXX) times:They emailed me a pre-generated list of common reasons the SSN verification may not work. Most of these related to address technicalities, but one of them was this:"There may just not be enough information on record to sufficiently verify your identity at this time. This usually affects our younger customers more often. Unfortunately, there’s not much to be done in these cases but to continue trying the quiz, possibly with some variations of the information to be sure it’s not just an address issue."Since I've ensured that the information is exactly as it appears on the credit report, it appears that this is the reason why: that I am too young and do not have enough of a credit history to verify. Then why allow customers to deposit money into their account if for some it will just get frozen? Why wasn't the SSN verification required upfront?Third time (XX/XX/XXXX)After calling several times and trying to get past the (at least) 20 minute wait time, I was finally put on with a customer service rep who in fairness did try to be helpful. He linked me to two pages that he said usually resolve the issue. But in my case they did not. He said if I replied to his email in the case that the issue was not resolved, he would escalate it to a specialist. This was almost a week ago. I emailed and called again a few days later: no response to email, but over phone they said that once it's escalated to a specialist, there's nothing to do but wait. I suspect I will be waiting a long time.Tried calling back today (XX/XX/XXXX) to check on the situation, and a recording said they are receiving a high volume of calls and will not be able to help, and to try again later.It can't be legal to take customers money and freeze it after requiring a verification that is impossible for some customers. And then on top of that, they have an obviously inadequate customer service department and just hope that customers will be able to resolve questions with a stock FAQ reply. It's bad practice, and I know I'm not the only one suffering as a result of it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, received a loan modification from Ocwen Loan Servicing, we were behind in our payments, by XXXX of XXXX the modification expired, and I was to obtain a loan., I applied to XXXX , HUD , Keep Your Home California and several private lending agencies. Ocwen gave us a loan for 6.25 %., this is outrageous., I paid them on time for 6 years, I was never late, and my FICA score was XXXX. The investor is XXXX. The Department of Justice instructed the banks to work with the homeowners for low interest loans., We applied for another modification about XXXX times, and OCWEN refuse us every time. 
This started in XXXX when our home taxes were behind, and Ocwen stated they would impound the taxes., well they did until they were brought current., unaware that they stopped paying the taxes, they got behind., we then took a {$40000.00} second on the property from XXXX ( XXXX XXXX XXXX ) , predator loan, to pay back taxes. Fast forward to XXXX XXXX, the XXXX is due ( {$40000.00} ), they refused to give us time to pay, unable to pay the full amount ( XXXX ) XXXX filed for " Foreclosure. '' My husband and I faced with option of losing our home filed for Chapter XXXX Bankruptcy. 
I know you do n't want to hear customers private lives, but XXXX in XXXX XXXX, I had XXXX in XXXX/XXXX/XXXX, we are both XXXX., we are both on Social Security, and choking trying to make the payments. I still try to work and my childrenhelp us financially, when they can.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Other

Complaint: The American Express website shows a balance figure called the " Current Balance '' in a larger font than some other sub-balances. However, this figure is actually the Statement Balance, not the current Outstanding Balance. So if you pay only the " Current Balance '' you actually a leave a balance on the card and thus must pay a financing fee. This is needlessly confusing and seems to be an attempt to bilk customers out of financing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Regarding : Consumer Financial Bureau Case number : XXXX I have not received the following information : the contract between your company and XXXX showing your company owns this debt. As well as proof of debt showing a detailed print out of all payments and adjustments within the next 5 business days as this was previously requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XX/XX/ I wrote a letter to XXXX XXXX explaining that my payments are late because of a loss in the family and I had to help with funeral cost. I ask the company if they could stop interest and not let my account go into collection. I received a response back that had nothing to do with my issue as stated in my letter. Today XX/XX/ I spoke to a representative who did not give his name but was not understanding the issue that I was stating. I told him that I was only able to make a payment of {$100.00} starting in XXXX because of my financial hardship I'm going through with helping my family with the loss of my loved one funeral cost. He stated that I have to make the mim payment of {$900.00} and I told him I do not have the money because of my financial hardship. He said then my account would be closed. Which I don't think is fair because they are not trying to help or be understanding of my situation.

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 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is refusing to investigate and remove some accounts from my credit file that do belong to me and correct some accounts that are reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trans Union keeps reporting over balance on my XXXX XXXX account, it was taken off and know back again, my accounts are not over drawn. My report keeps dropping, I had a XXXX, I 'm getting very upset. I also have other supporting documents. This is the second time this has happened.

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 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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   XXXX  was put on my credit report with  XXXX  and Equifa x ( d o n't know about   XXXX    because I cant get report from th em ) . I disputed this in writing and on line on  XXXX   XXXX ,   XXXX  .   XXXX    took it off my report but its still on Equifax report. It has been well over 30 days and I have n't heard anything. I asked them to send me proof that I owe this debt ( which they claim is {$830.00} ) I have never had  XXXX   XXXX , I have had  XXXX  for the p ast 10+ y ears and explained this to them and even called  XXXX  to get all my invoices, which they did send. I wrote to Equifax again today,  XXXX   XXXX ,   XXXX   and told them it has been well over 30 days with no response and this needs to come off my credit report.  XXXX  took it off theirs. I do n't understand what the problem is. Id  XXXX   XXXX  cant verify this ( which they cant ), it needs to come off my report and I really should n't have to wait another 30 days for it to happen since its already been almost 60 days. I do n't know if its on my   XXXX   report, but if it is, it needs to come off that too. I appreciate all that you can do to help this matter, its a little ridiculous when they cant even acknowledge something back, if they do n't have proof from  XXXX   XXXX , it needs to come off my credit reports, all of them.   XXXX   did n't have proof from  XXXX   XXXX  either, that 's why they took it off. I keep disputed it and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OK).
Issue: Other transaction problem

Complaint: On XXXX XXXX, I initiated a sell of XXXX BCH to USD. The equivalent USD amount of {$540.00} was to be deposited to my linked bank account. 

The XXXX XXXX account that was linked to my Coinbase account had become inactive at that time, so the result was that I had inadvertently had the {$540.00} ACH transfer sent to an inactive account.

Though the Coinbase website states the transfer was fulfilled and complete, it was not. I received a call from my prior bank informing me that an ACH transfer had been attempted on my inactive account but was denied. 

Neither the XXXX BCH nor the {$540.00} amount were refunded to my Coinbase account. Multiple attempts have been made to reach Customer Service with no response.

In summary, Coinbase is currently holding funds that should be refunded to my account but will not respond to attempts to reach Customer Service to rectify this issue.

The Coinbase reference code for this transaction is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Credit card protection / Debt protection

Complaint: I received an e-mail on Friday, XXXX XXXX, 2016, telling me the following : " Your card information may have been stolen due to a data breach at a business where you recently shopped. As a precaution to help protect you against fraud, we 're reissuing your card with a new account number. There 's no need to call us unless you see transactions you do n't recognize. '' I called the company, Capital One, today, Monday, XXXX XXXX, 2016 at XXXX to ask what company had the data breach and what personal information was stolen. 
After speaking to a service rep and getting no where, I asked to speak to an account manager and was told that the company could not provide me with that information. 
I told the manager, XXXX, that I am entitled to that information. He again said they could not provide me with the information. 
I find this difficult to believe and would like you to investigate this nonsense and have someone provide me with the information I requested from Capital One. 
I want to know which company had the data breach so I do not shop there again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with U.S. BANCORP (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XX/XX/XXXX I checked my credit reports online. I found that USBank had done a soft inquiry on XX/XX/XXXX and XX/XX/XXXX. I have reason to believe that a  specific branch manager has checked into my accounts to see our " assets '' value. After speaking with my local branch manager, I called the XXXX number as advised. After an hour of being passed from one department to another I was told that they had no way of checking this or any way to see if my information was checked. I then contacted XXXX XXXX XXXX, Execuitve Director of credit disputes, by mail on XX/XX/XXXX about these inquiries. XX/XX/XXXX I received a letter regarding an inquiry on XX/XX/XXXX, which I was not concerned with, but nothing about the XX/XX/XXXX dates.

XX/XX/XXXX I sent a letter to USBANK Bureau Inquiry requesting the reasons for the XX/XX/XXXX inquiries and have had no response. I included copies of my credit reports in these mailings. 
I do understand that a soft inquiry does not effect my credit score. This would be a case of security and privacy breaches. Please advise.

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