milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2015 about Consumer Loan (Title loan) with STATE FARM BANK, FSB (CA).
Issue: Payment to acct not credited

Complaint: I want to file a complaint against State Farm Bank. State Farm Bank has placed XXXX 30 day late payment charges on my credit report when they should not have done so. The first 30 day late payment was placed on my report in XXXX of 2014. After speaking with more than XXXX customer service representative I made a payment which did not post that day ; it posted several days later causing the payment to be late. The representative provided me with the wrong cut off time, thus causing me to assume I could make the payment at a later time. Their payment posting system causes customers XXXX to lose several hours of payment posting time. I wrote a letter to State Farm and asked that they review the phone conversations with it 's representatives, which were several in number. They said they reviewed the calls but did not state whether they found the conversations. The second 30 day late payment came last month. The payment shows that it was made on a particular date, but they posted it on the next day, which is still not 30 days late. They posted a payment on the same date exactly one year earlier and did not place a 30 day late payment on my credit report. I currently have XXXX loans and State Farm is the only Bank that I have had issues with. I have been a customer of State Farm for 27 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection account on my credit report that is full of inaccurate information. I have disputed and even attempted to resolve this collection account with the collection agency, but they were unwilling to settle. The inaccurate information I spoke of earlier is that : 1. this account is not mine. I was listed as a resident on this account. 2. The amount of the account is wrong. The amount on my credit report is twice the amount of the original debt 3. The account is past the statue of limitations so no legal action on this account can occur. the original reporting date is in 2011. As stated earlier I have disputed this account several times, and each time returned as valid debt. how can that be a valid debt with all of those inaccuracies. I also attempted to resolve the debt with the collection agency. This account is listed as an interest bearing account. Interest bearing account on a 6 year old zombie debt that is well past its statue of limitations. I have made every attempt to resolve this debt with no avail, any assistance in this matter will be greatly appreciated. 
Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (FL).
Issue: Shopping for a loan or lease

Complaint: I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/XXXX that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

American Credit Acceptance requested a 60 day extension to resolve this matter. This is a direct violation of the FCRA. By requesting a 60 day extension when the original dispute was filed XXXX XXXX, XXXX is evidence that American Credit Acceptance does not have the information necessary to justify the inquire that is currently displaying on my XXXX Credit Report. American Credit Acceptance is in direct violation of the FCRA Section 1681 ( a ) ( 4 ). I request that American Acceptance remove this unverified inquire from my XXXX Credit Report Immediately. I intend to seek legal action if American Credit Acceptance continues to willingly and knowingly deny my rights under the FCRA and for damaging my creditworthiness and credit score causing great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I sent in payments of {$69.00} and the bank shows it cleared on XX/XX/XXXX, a {$19.00} payment and the bank shows it cleared on XX/XX/XXXX, and a {$530.00} money order on XX/XX/XXXX. XXXX/XXXX XXXX lost all three payments. They asked for proof and I sent them the banks print out of their stamp showing the two back checks were paid. The {$530.00} money order ( # XXXX ) was sent in the same envelope as another money order for {$590.00} ( # XXXX ) on XX/XX/XXXX. The {$590.00}. got applied toward my mothers credit card and shows cashed on XX/XX/XXXX. The {$530.00}. money order which was to be applied to my credit card wasnt applied to my credit card. I faxed a copy of both sides of the money orders also with instructions to contact XXXX XXXX to verify it had been cashed. 

After I faxed them the documentation, I received a letter from XXXX  stating they couldnt ( wouldnt actually ) contact XXXX XXXX to verify their own company cashed the money orders. As they were in the same envelope, I know XXXX/XXXX had to be the one to cash them both. XXXX XXXX charges a {$15.00} fee to tell you who cashed the money order. You can go through their phone system and enter the money order number in and it tells you the date it was cashed. 

XXXX essential y has done nothing to resolve their loosing these payments. Its going on two months and they still havent gotten this resolved

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 09/19/2017 about Debt collection (Credit card debt) with The Hamilton Law Association (OR).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: XXXX XXXX from Hamilton Law Association called repeatedly before XXXX XXXX on X/XX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX, and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Case No. XXXX, Dispute was initiated for {$59.00} with enumber inc. A previously issued credit was re billed. There has been 2 transactions with enumber. one on XXXX and other onXX/XX/XXXX. Both of which are disputed. Customer service representative failed to understand this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX for {$4900.00}. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citi Credit Card ( Costco Card ) Changed my statement close date with no notification or approval. They then proceed to charge me late and interest fees along with not deducting a {$4100.00} payment but instead adding it on top of my new balance, which comes to {$7700.00}. They provided no explanation for why this happened. This is clear Fraud. Fraudulent charges ex. late fee, interest fee, {$4100.00} all ready paid. If I tried to take upwards of {$4000.00} i would be arrested. XXXX ( Customer Service Manager ) XXXX was who I spoke with after demanding to speak to a manager and before he transferred me to

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 07/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: My ex wife was awarded the property in our divorce in XXXX. She refused to pay the mortgage from the very first month, and on XXXX separate occasions I caught the payments up and took her to court to get her out and stop damaging my credit. Dealt with a different judge each time. The XXXX told her to keep them current, with no judgement on her part, even though it was ruining my good credit. At the lowest point, my XXXX score was at XXXX, based on her actions, not mine. The third time, I was awarded the property in XX/XX/XXXX. XXXX XXXX XXXX said I had to live there in order for them to work with me. For the next year in " modification '' of the loan they would not accept payments or send me a bill. Four times they " lost '' the paperwork and made me refile. Then they said they could n't work with me because the house had been in arrears for too long. Told me to vacate, which I did, in XXXX XX/XX/XXXX. XXXX sold to another servicer, XXXX XXXX XXXX, and they added ridiculous fees to the original amount, making the amount due well over the amount of the {$140000.00} original loan. They agreed to a short sale, and our realtor worked on it for a year. They denied XXXX cash offers, XXXX that was at full value. In frustration, she gave up, and we could n't blame her. They sold a year later to Nationstar, who added their own outrageous fees. Our lawyer got involved, as Nationstar has included my current wife " XXXX XXXX XXXX '' and it has greatly impacted her very good credit. Nationstar sent legal documents offering us a " in lieu of deed '' offer which would take it out of our name, which is what we wanted. Our lawyer responded to Nationstar and asked them to proceed. No response from them. He then sent them an Order to Appear to get the ball rolling, and they responded by changing legal counsel. We got frustrated and gave up. That was XX/XX/XXXX. Our hands have been tied for obtaining a home loan for 10 years now. We were just denied a loan today because of this. Our loan would have been approved without this very large blemish on our credit report. We want our names removed from the title of the property that no one has actually foreclosed on in TEN years! It remains in my name. We want this removed from our credit files from all three reporting agencies for both my wife and myself. Any help or direction you can give us would be greatly appreciated. Thank you.

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

Complaint: Equifax, through their own gross negligence, provided my confidential personal information to hackers/thieves ( identities currently unknown ). Being one of the 3 major credit reporting bureau 's in the USA they have a huge responsibility to safeguard our data and have been recklessly careless with this information. 

As additional examples of their careless behavior : 1 ) When you do a security freeze on an Equifax account they give you a 10 digit PIN you need to unfreeze the account. The first 6 digits are the date you enacted the freeze. This is TERRIBLY insecure, as everyone who freezes their credit as a result of this recent security breach will have extremely similar PINS. 
2 ) The website they created enabling citizens to check if they are a victim of this breach is a BRAND NEW DOMAIN, instead of using their own domain. This makes it significantly easier for identity thieves to direct people to fraudulent sites. This is either simply lazy, or demonstrates an ignorance of cybersecurity that 's criminal. 

I now have to set a fraud alert on my wife and my accounts, which is no guarantee that I wo n't become a victim of identity theft following this breach. Equifax has offered 1 year of credit monitoring to victims such as myself, however this breach will have far reaching effects for YEARS to come. 

In addition to credit card information, which is an inconvenience to change, criminals now have my name, birthdate, social security number and drivers license information which is INCREDIBLY difficult to change. They also know where we live and work, which is terrifying. It is impossible to overstate the economic and physical repercussions of this event.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit determination

Complaint: CBNA did a credit check on my credit on XXXX/XXXX/16. I did not authorize this credit check. I have not sought a loan or any other type of financial services. I am uncertain why this company did a credit check and it was not authorized. Through research I found that CBNA is a credit card company. Citi Bank North America. I have a credit card with citi bank but have had the card for 10+ years and did not seek a new card. I did not authorize either directly or by proxy any credit check by anyone for the past year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I originally receive a letter of pending wage garnishment from ECMC, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called XXXX XXXX XXXX. I was never given the hearing or review that I requested.

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 01-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I had contacted you about a problem with nation star mortgage. We were trying for a making homes affordable and we were denied and then we 're told we could get a modification but we needed an unbelievable amount of money. We were unemployed so we do n't have any savings. They used out stipend for our XXXX children as part of our income. This is not income. Then we received XXXX of many letters from there attorney stating they were going to have our home foreclosed on and then sold. After notifying you they cancelled this. We never heard from them or nation star. You told us that they were looking into this. Nothing was ever done. Now today we received a letter saying they were contacting court for an extension for the sale. Now what do we do.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possibl

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: My wife and son received a call from a  XXXX   XXXX   XXXX  claiming that  XXXX   county law offi  cer  where trying to serve me with court papers. My wife called the company back and was told that his name was  XXXX   XXXX , who called our son and told him it 's a civil/criminal lawsuit. He started to tell my wife I owed a debt to Home Depot sinc e 2006 an d that I had a court case in a week and that is f I did n't pay the debt of  XXXX  I would also have to pay for court fee and attorney fees. He stated he has sent legal service notice to our address 2 times and no one was home. He also left a message on my wife 's cell phone stating we had been served my written notice over the voicemail. He asked my wife that he could settle the debt if she paid him right now  XXXX . My wife proceeded to tell him that she would make no such payment and research the matter. They also claim to get my sons cell number because I used him as a reference  in 2006. My so n wa s in high schoo l and had no cell phone.

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 Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: I applied XXXX times online to Santander Bank for a checking account. 
The first I applied on XX/XX/2017, and received an email on XX/XX/XXXX telling me that I was declined for an account. 
" We were unable to verify your identity or other personal information at this time. '' I could not find out the problem, but was told I could re-apply. 

I did so on XX/XX/2017, and was declined on XX/XX/2017 by email stating the exact same sentence as the reason. 

I tried a 3rd time on XX/XX/2017, and never even received an email from them. 
I called in on XX/XX/XXXX and was told I was declined. 

I have never received a letter from them, letting me know what credit agency they are using for information. 
This is a violation of the FCRA - Fair_Credit_Reporting_Act. 
If they wo n't tell me which credit reporting agency they use, I can not find out what erroneous or lacking information is being or not being provided.

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 02-06-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: On XX/XX/2018 I notified Coinbase that I thought my PC was hacked. The next day I called them and also filled out an application which described how my PC was NOT hacked and that the Coinbase account was NEVER hacked. 
I requested that my account be reopened. 
Depending on who you speak to they ask you the same bloody questions ... did you fill out the four questions ... XXXX they are trained to mouth sympathy but do absolutely nothing! 
For the past month, the Coinbase representatives and supervisors tell me my account has been prioritized but can never give me a time frame when it will be reopened or even investigated. They also " agree '' that there is NOTHING to investigate!. They constantly send out robo emails thanking me for my patience! They all agree that I submitted the correct information AND my account was never hacked. 
They are completely unaccountable. They will not give you a id/last name. During this time period I've watched my investment decrease from {$9000.00} to maybe {$3000.00} Because I'm locked out of the account!. I encourage you to call these criminals and attempt to make them accountable. I would like the value of my account returned as of XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Payday loan) with Kirkland Asset Management LLC (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Company called family members to threaten and harrass regarding an online payday loan that was opened via identity fraud. Did not listen at all, only escalated and yelled then hung up on me. Also called family members leaving same messages. All I have is the phone number of the company XXXX, beleive they said the company name was KM or something but could not make it out.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello ; I have been attempting to catch up on past due payments for my mortgage, however my mortgage refuses my payments and returns them to my bank. I either need to pay the full amount past due or I 'm at risk of foreclosure. I was XXXX for 2 months and out of work, I notified them of that. I sent them one full payment last week and it was returned. I have attempted to pay online via their website, and have contacted my Dedicated Loan Specialist to discuss the problem. I simply want to pay additional until caught up and do not want my home foreclosed. I faced a temporary issue that is now resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: As part of the XXXX, this account should not be listed on my credit report, or it should be shown on my credit report as a XXXX balance. XXXX correctly shows this, but Equifax continues to publish the following incorrect information : '' Since your last update on XX/XX/XXXX, XXXX account has been added to your credit report. 
Account Type Date Opened Credit Limit Balance Reported ByXXXX Mortgage XX/XX/XXXX N/A {$190000.00} Equifax '' Also, see attached.

Company response to consumer: Closed with explanation