milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed balances and payments along with documents mailed and faxed as directed. I mailed my social security card alone with my drivers lincense along with faxing XXXX pages over to all XXXX agencies. Equifax will not removed depts that have been paid, reporting higher use of credit then actually used and also states my age and sex as well as other agency, I paid off my car loan and sent documents that clearly disputed the 24 payments that they keep reporting and using not to raise my credit score lowering each month right now at XXXX, I have paid or disputed every dept on my report over that past year and now they are using the auto loan that was paid in full XXXX/XXXX/XXXX againt me as of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a second complaint against BSI Financial in the past year. Thanks to CFPB, the first XXXX was handled. It is my understanding that BSI can not hold my over payment on my escrow account hostage to a 30 day delinquent payment. Due to medical heartships, we have beening running 30 plus days late for over a year. However, we have been making our current mortgage payments. Because of a reduction of taxes, BSI is holding approximately {$2400.00} of my escrow money. When I inquired with them, I was told that if I send them the delinquent payment, they will release my escrow money. I told them that if I had the money, I would not be delinquent. I asked them if they could apply part of my escrow money to the payment and send me the rest. They refused telling me that it was not their policy. It seems to me that My money that I paid in on my escrow account is collecting interest in their holding accounts for which they have no right to do. Again, this is the second time that I have had to write your good offices to encourage BSI to take care of a financial matter. The first XXXX concerned them holding my homeowners money and not paying the insurance company. Thank you for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Payoff process

Complaint: My Home Depot card had XXXX promotional balances : XXXX/XXXX/16 {$1400.00} XXXX/XXXX/16 {$2000.00} XXXX/XXXX/16 {$310.00} I paid {$100.00} on XXXX, {$90.00} of which was for the minimum payment. On XXXX/XXXX/16 I paid another {$100.00} toward the XXXX/XXXX/16 promotional balance. On XXXX/XXXX/16 I paid {$2000.00} to satisfy the balance owed of {$1300.00} and the balance of {$700.00} to be applied to the XXXX/XXXX/16 promotional balance. Home Depot now shows that I owe {$2600.00} on the XXXX/XXXX/16 promotional balance. I am prepared to pay the correct balance of {$1300.00} on XXXX/XXXX/16 but ca n't since they ca n't seem to fix it. I have contacted them via e-mail, online chat and phone at least 10 times already. Now they tell me it is going to take 1-2 billing cycles to fix it. It only took them a day or two to make a mess out of it. Please help!

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 09-06-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Fraud or scam

Complaint: My mother received the " grandparent scam '' call, supposedly from a nephew who had been put in jail for a DWI and needed money wired to get him out. The " nephew '' then gave the phone to a ( bondsman ) who provided her with instructions of how to wire the money ( Moneygram from Walmart ), and told her my nephew said to tell absolutely nobody in the family about it. XXXX transactions, {$3700.00}, a valuable unfortunate lesson learned. Please note transaction # 2, XXXX {$1800.00} in addition to itemized transaction # 1 included below, also sent to same telephone XXXX XXXX XXXX, XXXX, DE

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: Someone else 's {$330000.00} investment account is attached to my account @ Chase Bank. They remove it, but it pops back up onto my account the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquiries on my credit report from Experian that I do not recognize. I have contacted Experian and the companies to resolve the issue but have been unsuccessful. Below are the inquiries in question that I would like Experian to provide me with the information that proper procedures were used to obtain my credit by these companies and that they had my signed consent or a recorded IP address from the source. 

1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX/ : XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/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 04-11-2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: I WAS GIVING A VISA DEBIT CARD WITH XXXX $ THE CARD DID NOT WORK I CALLED CUSTOMER SERVICE SHE Said TO READ THE XXXX DIGITS IN THE FRONT I TOLD HER THAT IM MISSING XXXX NUMBERS THEN SHE ASKED FOR THE NUMBER ON THE BACK GAVE IT TO HER SHE SAID YOU HAVE XXXX $ GO AHEAD AND USE IT THE CARD STILL DID NOT WORK I CALLED BACK THEY TOLD ME TO FAX A COPY OF THE FRONT AND BACK OF THE CARD I DID ONLY FOR THEM TO CALL ME AND TELL ME THE CARD HAS BEEN USED ALREADY NO EXPLANATION NOTHING

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 10-01-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (CO).
Issue: Deposits and withdrawals

Complaint: I am unable to access any of my bank accounts or money for the past XXXX hours at Ally bank due to them taking their systems down for unscheduled extended maintenance. The bank does not have an estimated time for their systems to be fixed and can not make my money available for withdrawal via an ATM, leaving me without access to any of my money.

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 09/24/2015 about Debt collection (Payday loan) with Security Credit Services, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Debt is from XXXX 2009, they have been calling and threatening to serve papers at my place of employment, even arrest me or take me to jail if I do not pay for this. I contacted a lawyer who told them to stop contacting me. That the debt is older than the 5 years that they can collect this debt, but they have called me two times since the date of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted Experian on many occasions about inquires I did n't perform. They told me I have to contact the companies. I did that & I was still told to contact Experian. They are giving me the complete run around.

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 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I discontinued service with XXXX on XX/XX/2016 and paid a final bill of {$150.00}. I was billed in to the month of XX/XX/XXXX for the amount of {$260.00} which was turned over to Credence debt collection after several attempts with calls and letters to XXXX to get the matter resolved. I have disputed this bill with Credence, XXXX, TX XXXX, Phone XXXX although I spoke with someone in XXXX email XXXX. I appreciate your assistance in this matte

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 08/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MD).
Issue: Problem adding money

Complaint: I submitted a purchase of XXXX ETH to Coinbase for {$2000.00} USD on XX/XX/XXXX XXXX. The exchange rate applied at the time of purchase was {$280.00} USD. On XX/XX/XXXX I received an email saying that the order had been cancelled. However, from the time of purchase on XX/XX/XXXX to the time that I was informed my order had been cancelled, the value of ETH increased to {$340.00} USD. Coinbase arbitrarily denied my purchase and costed me hundreds of dollars of potentials ETH gains in the process. I have attached the emails I received from Coinbase as supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Medical) with Collection Service Center, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Collection Service Center contacted my employer about a debt I was never billed for by the original creditor, never billed for by their company, nor made aware of in any manner prior to their contact. My receptionist took placed a message on my desk which read " Credit company called, they are attempting to contact you regarding an unpaid debt to XXXX XXXX, please return their call. '' No attempt at all was made to protect my privacy, the most the caller should have stated was their name, that it was a personal call, and a number where they could be reached. After their contact I checked my credit online and found the debt listed on my credit report. I attempted to contact the number she gave me as well as the number listed on the credit report, however, after much searching I discovered they had given and reported an incorrect area code ( XXXX instead of XXXX ). They do not answer their phones during the day, they require that you leave a message and a phone number. I can not be reached at my home number during the day and do not want them contacting me at work again so I refuse to leave my number. They have not responded to any of my correspondence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was sent to the ER after a XXXX because of XXXX and XXXX after attempts by XXXX. He told me to go there to get an XXXX incase XXXX. This bill is for that visit and I feel that since the XXXX place put me in that XXXX I should not have to pay for said visit. It should have been taken care of in their office.

Company response to consumer: Untimely response
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/XXXX after requesting a change of address on my Capital One account, I was asked to provide detailed paperwork, which I did not have. This paperwork was more detailed and difficult to gather than the paperwork required to open the account. 

Since I was unable to gather the paperwork together, my account was put into Restricted mode in XX/XX/XXXX. While in Restricted Mode, I was unable to access my account, use my card, or use the more than XXXX rewards miles I had accrued. At that time, I paid off all balances and could not provide the requested paperwork. My balance was XXXX. I never had missed a payment or made a late payment. 

In XX/XX/XXXX, my account was charged with a {$59.00} Capital One Member Fee. I was not warned that this charge would be coming nor was I aware of it. 

In XX/XX/XXXX, my account was charged with a {$25.00} Past Due Fee and an Interest Charge of {$1.00}.

In XX/XX/XXXX, my account was charged with a {$35.00} Past Due Fee and will be charged an interest fee.

In XX/XX/XXXX when I discovered these charges, I called Capital One. They said they could not warn me of the impending Member Fee, since my account was in Restricted Mode. They said they could not contact me, since they didn't have my updated paperwork ( although, my email had never changed ). I tried speaking with them to explain the aforementioned events, but they stated that this was their policy and there was nothing they could do. I then instructed them to close my account. In doing this, I forfeited the XXXX Rewards Miles. They said my balance remains and will be charged interest accordingly. I currently have a balance of {$12000.00} from the Past Due Fees and Member Fee on my restricted account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I had a payment due on my Citi card. My account is set up for auto debit. I made more than the minimum payment due of {$7100.00}. I called to make sure they would NOT also debit my checking account. Citi accepted my payment of {$10000.00}. I was told on call number one that they would NOT also debit my checking account. 

Today - they debited my checking account, causing a $ 5000+ overdraft. I can not reach anyone at Citi who is helpful. Despite the fact that they see and have seen the payment, I am told it will take 3 - 5 business days to resolve. I am told there are no supervisors above the person I spoke with for 20 minutes. 

I have other checks coming through, which will bounce, fees, service charges and on and on and on. I need help

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 02-08-2018 about Debt collection (Credit card debt) with Law Offices Howard Lee Schiff, P.C. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of XXXX, I was in debt. In XXXX XXXX credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked XXXX to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from Law Offices of Howard Lee Schiff, P.C.. They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with XXXX. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very stupid. The last time I went to court I was basically bullied into a payment agreement with the Law Offices of Howard Lee Schiff P.C. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by Howard Lee Schiff, P.C. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit card () with Bonneville Billing and Collections (UT).
Issue: Forbearance / Workout plans

Complaint: I was in the process of opening a savings account with XXXX XXXX XXXX XXXX and was informed of a previous account with them from 6 years ago ( XXXX ), the status of which is outstanding. 

I was referred to a company by the name of Bonneville Collections. 

Please consider this a formal Qualified Written Request ( QWR ) to Bonneville Collections ( BC ) for a full and complete account transaction history along with a transaction code guide, a copy of all Transfer of Ownership/Service Transfer/Charge-Off documentation ( I do not recall recieving this ), copies of all Monthly Statements, and copies of any County-recorded lien documentation as well as copies of all legal notices provided to me regarding said lien-documentation. 
Please also include a current Payoff Quote with interest, principle, and fees itemized ; in addition, all Collection Notification and/or Settlement Offers sent to me. 


BC, I intend to work with you to settle this account as soon as possible. 
I understand you have 30-days to respond, and that you will likely recieve this dispute forwarded to you by the CFPB on Monday XXXX/XXXX/XXXX. As it is a business standard to respond to regulatory disputes within 15-days, I expect my dispute to be forwarded to ( and handled by ) your Executive Response Team within the appropriate time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a credit score of XXXX in XX/XX/XXXX then all of a sudden it dropped in the XXXX due to a tax lien from XX/XX/XXXX of {$170.00} which shows paid. I never received anything about a tax lien from anyone. My taxes and insurance were being paid by my mortgage company. If this happened in XX/XX/XXXX why all of a sudden is it on my report? I would like it taken off my report immediately. Thank you for your assistance

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 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The debts listed are grossly inaccurate or not mine at all. Please investigate these items and SEND ME THE CONTRACT BEARING MY SIGNATURE of me obtaining these debts or remove them. 
( XXXX Items Total ) Please investigate these items, delete and remove them immediately within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome. Thank you for your time and consideration in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
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 continues to report inaccurate information on my credit report with XXXX, XXXX and Transunion without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

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 03-07-2017 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Application, originator, mortgage broker

Complaint: In the process for applying for a mortgage loan, USAA pre-filled items in the loan disclosure packet that were factually inaccurate and material to the process. After four ( 4 ) requests to update the information, they simply said they would take care of it, but the debt to loan ratio they quoted when denying the mortgage loan means they did not actually update the packet with accurate information. 
Furthermore, when they called stating that the loan was denied, I asked what information the underwriter used ( because the ratio they quoted was not possible under multiple scenarios ). They refused to respond and simply said that there was an appeals process, but appeals " always get denied anyway. '' Following the call, I logged-in to our USAA account and noticed they had already deleted all application information. 
I reached out to the loan processors ' management team, who stated they would look into it and get back to me within 1 business day. Two ( 2 ) weeks later, I contacted them again, and a third time a few days later, but have received no response to date. 
It is clear that USAA 's processes and lack of communication allowed factually inaccurate information to go to the underwriter, and their team did not allow for any further communication.

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