milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion allowed XXXX to report an account that was removed from my report and it was reported by XXXX XXXX for same amount for sprint. This account is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX Amount : XXXX $ ( XXXX XXXX coins, XXXX XXXX and XXXX $ from bank account ) I went and searched XXXX on XXXX. XXXX search gave suggestions of XXXX. The first link was a AD Link and i went on a clicked on it. 
As XXXX and Coinbase XXXX and have same user details. All the corresponding pages came as usual as login. 
1 ) Coinbase OATH page for username and password 2 ) I entered the username and password next page was 2FA authentication enter the 2FA.

3 ) Got a message saying its taking longer time as XXXX  servers are down.

4 ) Later got page saying first time login you have to authorize the page. Click here to access your account 5 ) i clicked the link and enter my email details later got error try after 24 hours. 

My account was spammed and hacked. 
I had XXXX XXXX coins and XXXX XXXX in coinbase and 4 XXXX coins in XXXX. 
and My bank account was linked to coinbase. Hacker took XXXX  worth XXXX $ and has transfer to unknown account. 

I reported this issue to coinbase with in two hours. I would have done much earlier but wait time was more for coinbase support. 

The support team said they will investigate but till now i have n't seen any response and even my coinbase account is locked and have called many times still no response. 

Informed XX/XX/XXXX XXXX XXXX that the transaction is not authorized and requested for a claim as my debit card has XXXX $ liability.but they came back saying the transaction is legal as i have done this transaction earlier. Have reopened a case and have send all the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was admitted to XXXX XXXX earlier this year for shortness of breath. I am on XXXX and XXXX Supplement Insurance so I provided my cards expecting to have everything fully covered. Many tests were run, xray, scans, blood tests etc. I was released later that same day. Weeks later copies of the bills came through with everything seemed to have been paid, but the billing is confusing as every charge is split into components to match arbitrary rules on billing by the government and insurance companies. I also received bills from various departments. It turns out one bill was not consolidated with the others by the hospital and they charged me separately. I spoke to the hospital and they said they would resubmit. Next got a collection notice from XXXX XXXX syste that they plan to send my account to collections. I called and explained that my insurance should have covered it all and they ask me to send a copy of my insurance cards and they would resubmit. I sent photos of the cards XX/XX/XXXX. XX/XX/XXXX notice from XXXX that my credit score dropped 40 points because XXXX XXXX XXXX has reported collections. I called ask why I was not notified by mail or email and they said they did not have to. Demanded I pay first and then they will try again. They claim they can not see the attached photos in my last email. I paid them to get my credit score back. Their web site has a consumer site that is not operative. My complaint is why is the consumer put in a position of defending their position. XXXX XXXX should have done a better job with the paperwork and never have partnered with an unprofessional company as XXXX XXXX XXXX for collections when the hospital was at fault and XXXX follow up was not professional and lack of results was due to their own inadequate equipment. I used iphone photos, and also scan from Brother copier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted Transunion about a tax lien being on my credit report, I informed them that the tax lien was paid and it should n't be there. Instead of Transunion removing the account they updated the account showing paid. I paid the balance prior to it being reporting on my credit report, per Transunion they were going to remove the account completely but they did n't its just showing paid. I want this account remove from my credit file immediately.

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 05-12-2016 about Debt collection (Credit card) with Global Asset Management Group, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XXXX/XXXX/XXXX I received a harassing call at my place of employment from a man by the name of XXXX XXXX from a company by the name of XXXX XXXX ( Address provided : XXXX, CA ) XXXX. XXXX XXXX said they handle legal claims prior to litigation. XXXX XXXX also said this was an account I had opened with XXXX XXXX in XXXX XXXX and that the last payment was made in XXXX. I informed XXXX XXXX that I never applied nor I have a credit card from XXXX XXXX. He said that if I did n't settle right then, I would be taken to court and be liable for their legal fees. I asked XXXX XXXX to stop calling and especially at my place of employment, he told me see you in court!. 

Today, XXXX/XXXX/XXXX, I received another harassing call from a woman from the same company saying she was handling my law suit and that I needed to pay or else I would be taken to court and be responsible for court and legal fees. She said I had opened an account at XXXX XXXX in XXXX and purchased items that I never paid back. I told her I had never had a credit card from XXXX XXXX, but cut me off and threatened me with garnishing my wages and going after any assets I have, including bank accounts and property if I did n't pay them. She then hung up on me. Both people from this company were very threatening and made sure that my place of employment knew they were calling about a legal matter.

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 01/19/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I 'm trying to link my TDBank Checking Account to XXXX. They say that TDBank is not giving access to external apps, thus I call TDBank and they tell me that the know of XXXX and can assure me there are no blocks on that site. I call XXXX and they say the can not do anything to help me and that I must call my Bank. Please help, this is one giant circle of getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We just paid {$100000.00} to a {$290000.00} loan modification. 
{$49000.00} field adjustment was the amount paid to XXXX and {$32000.00} was the amount we paid to midland. I guess they gave us partial credit for the {$55000.00} we paid to XXXX XXXX XXXX. 
XXXX collected the money paid to commerce bank and XXXX. 
This means that NONE of the {$670000.00} I have paid to my house has been applied to principal. Which means I have paid {$640000.00} to interest. Which again I will point out is OVER 18 % interest on a 15 year loan disclosed at 4.34 %. 
When are they going to release this lien that XXXX bought for {$90000.00} XXXX reported {$80000.00} extinguished but it was never removed from the balance. We were not given credit for the {$5000.00} HAMP incentives. We did not get credit for the {$17000.00} paid from XXXX other properties. We paid it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with CHECK INTO CASH INC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Check Into Cash in XXXX California has breached their contract with me. In regards to the contract for an Installation Loan I took out with them, I agreed to pay {$170.00} bi-weekly on my pay day. Check into Cash withdrew {$170.00} on XXXX XXXX 2017 which was authorized. The following week, XXXX XXXX, they withdrew another # XXXX which was not authorized because I do n't get paid on the XXXX week in the month. the manager name XXXX has my file that includes my pay stub and my pay day weeks. After several phone call, on Wednesday, XXXX XXXX the Manager told me she would " look '' into it and that it was " sitting on her desk ''. She agreed to get back to me. I never received that phone call so I continued to call her in regards to this issue. She agreed that the withdrawal was a mistake and was n't sure how it happened and will call back. When I did n't get a call back, I waited until the following day to contact them but she was NOT in the office. I spoke to someone who claimed to be the Assistant Manager but would not give me her name. I 've spoken to her twice and she has been very rude and avoiding the issue. I 'm still waiting on my phone call back from her to give me resolve on this matter. My fear is that Check Into Cash - XXXX California will try to take another {$170.00} from my bank account on Wednesday, XXXX XXXX ( which is my pay day ) However, this would be unfair as a consumer as they have already billed me twice. I do n't have a bank statement yet as it is too early and wo n't get one until next week. I am willing to provide it later in the process. I filed a complaint with my credit union - XXXX XXXX XXXX, the BBB. This company is taking advantage of hard working people trying to survive. Please, I ask that you help me in resolving this matter. I can be contacted via email and phone number. Thanks XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (SC).
Issue: Can't stop charges to bank account

Complaint: I have submitted a cease and desist letter on XXXX/XXXX/15 and have asked the lender ( Cash Central ) to cease all debits of my checking account on XXXX/XXXX/15 with XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. Cash Central did not honor my request to stop all debit transactions and have not honored my cease and desist. Lender has contacted me after acknowleding that they have received my cease and desist letter. They gotten it via email on XXXX/XXXX/15 and have contacted me by telephone on XXXX/XXXX/15 at XXXX and have also emailed me on XXXX/XXXX/15 at XXXX. They have also debited my checking account after I requested that they no longer debit my checking account for funds. Since then. I have contacted my bank and have filed an unauthorize transaction for my account. On today, the payment made to Cash Central was reversed by my bank. Again, Cash Central has not honored my Cease and Desist. Please advise on moving forward and steps to take civil and/or criminal action.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am disputing the final response of disputes on my credit report. All my student loans have been discharged by the Dept. of Education, XXXX and XXXX XXXX XXXX. I have also been a victim of unfair medicare billing that I asked to be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a collection acct reporting on my Experian credit report. The collection is listed as XXXX XXXX. 

I have not received any letter confirming this debt is valid, or belongs to me. Further more, the date of this account is listed as being opened XX/XX/XXXX. Experian shows that this account was last updated XX/XX/XXXX. How was an account updated before it was opened? I do not acknowledge this as valid debt belonging to myself, and the innacuriaces of information contained justify the removal of this item from my credit report.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Struggling to pay mortgage

Complaint: I called Ocwen Mortgage to lower my payments, they offer to lower my payment but failed to inform me my mortgage would be for over 40 years. At the time of my request I owed approximately 90,000 on my home. That was in XXXX or XXXX, now I owe over 144,000 and my house note over {$1200.00}. My house is only worth XXXX. I feel like Ocwen has taken advantage of 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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BARCLAYS BANK DELAWARE (VA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I had a {$4500.00} lim it on a Barclay 's Bank credit card and they capriciously lowered my limit {$500.00} with no notification. I was in the middle o f an important payment on  XXXX , which  was denied, throwing my accounting into chaos. They lowered my limit, then apparently used that reported event to lower my credit score, to justify lowering my credit limit in the first place. When I complained to Barclays, I was told that they can lower the credit card limit and do not have to notify me first.

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 11/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I refinanced my home in order to pay Navient my 2 student loans ( Account # XXXX ). Wire was sent from XXXX XXXX XXXX XXXX after receiving instructions from one of their customer service representatives with the wire instructions to payoff my loan. The payment was sent on XXXX the XXXX, 2017. I called the following week because my loan still showed the full balance and they told me to call another day to see if it would post. I called the following day and they wanted me to call a week from then. I told them it was a wired and it should have cleared the account the prior week because the money was in the account they give me to payoff the loan. They told me they would investigate and for me to call the following week. I call this week and they told me the request was done wrong and that I would have to wait another week for the new request to be processed. All of this while my account is still accruing interest. When I expressed my concerned about the interest being accumulated they said sorry but there was nothing they could do about it. I have the documentation showing the wire was sent out to them on XX/XX/XXXX, but they are not helping me and all they say is sorry and to keep waiting. They did not refund the almost 42,000 back to the title company, they still have it in their account and they still have my student loans open. At this point I do not know what to longer do.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with CCI Financial, Inc (WA).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I emailed CheckCity on XX/XX/XXXX because the website would not accept my correct payday, but it had my withdrawal date a few days before I got paid. The customer service rep fixed the problem in their records to be withdrawn on XXXXXX/XX/XXXX, though if did n't show up on the website. They assured me about twice not to worry. <P/>I looked this morning, XX/XX/XXXX, and my bank account showed a negative balance of {$350.00} ( because I had a previous negative balance of {$58.00} until I got paid on XX/XX/XXXX). I had just perfectly figured out my finances for XX/XX/XXXX, so I was extremely upset when I saw this. This money was not supposed to be withdrawn until XX/XX/XXXX. I emailed to demand they fix this error and am awaiting a reply. <P/>I will never use CheckCity again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with FC HoldCo LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Flagship Credit started recently started reporting a collection account on my credit report. Prior to this account appearing on my credit report, I never received a notice of my right to dispute this account. By failing to provide the notice of right to dispute, prior to reporting this account on my credit report, Flagship Credit has violated my rights under the Fair Debt Collection Practices Act.

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 08/14/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Unfair business practices should not continue upon hard working US citizens.
In my case, and I am sure MIllions of others, has experienced this type of travesty from banks of excessive overdraft fees in one day.
My question is ; how is it determined what transactions are posted first and the amounts?
As well as how transactions are posted is determined, I should not get a fee as a result, as this is again, OUT OF MY CONTROL?
All least transactions should be posted within the available balance and overdraft fees assessed there after on items over {$100.00}.
As a small business owner and single mother, I can not afford the avalanche of overdraft fees that caused major destruction on my account that has caused me to be delayed in paying my mortgage and condo fees.
This is a travesty and should not happen to any one else, for example ; a {$38.00} fee for {$2.00} cent charge.
Due to my long outstanding loyalty and relationship with Suntrust Bank ; I deserve to have all overdraft fees waived as Im not in control on how the banks process payments and when the merchants collect their money and according to my records at various times between the XXXX-XXXX there were credits to my account that would have covered the posted charges.
I should not be charged with these excessive fees of over {$400.00} due to posted debits and credits timeframes out of my control.
As a loyal client the bank should make sure my account is protected, and if charges are to be assessed they should be minimal.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: EXPERIAN FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED. 

ALSO, XXXX XXXX XXXX NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XXXX. 

RE-INSERT XXXX XXXXXXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED. 

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX 
UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO XXXX. XXXX IS NAMMED IN BANKRUPTCY XXXX AND DISCHARGED XX/XX/. 

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.

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 03/18/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After XXXX job losses I hired XXXX XXXX XXXX to settle all of my CC debt. Synchrony Bank formally XXXX refuses to speak to any third party, so I got it set up with my debt co to allow me to settle the debt and they would send a check to them. I work during the week and the hours that Synchrony is open so having a few minutes free during a week day I decided to call them to get an settlement amount from Synchrony for XXXX to get them paid, now Synchrony is telling me I have to call back next month on XX/XX/XXXX or XX/XX/XXXX because that is the only days they will discuss a settlement, this is just a way for them to keep adding on fees, they are refusing to discuss a pay off therefore I feel they should n't even get one at this point because I 'm making an effort to do something about this when I hired someone else to take care of it and they are making a pay off very difficult to even get.

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 04/17/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is past the statute and should NOT be listed on my personal credit file Equifax XXXX XXXX XXXX # XXXX please remove

Company response to consumer: Closed with explanation