milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: Last Month I attempted XXXX purchase a Wireless Rioter I went 2 XXXX XXXX & Ordered one I made a mistake when Paying for it which resulted in XXXX Pay placing the charge on my Discover Credit Card.On XX/XX/2015 I notified Discover Card about the charge & also XXXX XXXX which resulted in my not receiving the Rioter or the Refund.I had emailed discover Customer Service a # of times & have been getting the Run Around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I Owe A Balance of {$2300.00} and i have been trying to be reasonable as possible to get this resolve i told the Debt Collector That I was XXXX And Not Able To Pay I Sent In Proof Of That By A XXXX Judge I Faxed In A Packet Of Papers They Make Like They Did n't Receive Them The Lady Name Is XXXX XXXX She Got A Really Nasty Attitude With Me Frederick J Hanna And Associates Law Firm XXXX Is The Third Party Collecting The Debt And I Had Something where they was supposed to pay off the debt when you become XXXX but they lied and they was charging me {$8.00} Monthly For That Service and It was n't Benefiting me at all they supposed to pay up to {$10000.00} if you become XXXX and I told Them That I Was XXXX And Not Able To Work Faxed In Papers From A XXXX Judge and they Make Like They Did n't Received the Fax and They Gave Me They Fax Number and I Even Have It On Paper the fax Number is ( XXXX ) XXXX and their telephone number is ( XXXX ) XXXX I Want Something Did About This And XXXX XXXX Supervisor XXXX XXXX is a Man Going Along With Her and they taking me to court over this on XXXX XXXX at XXXX I Received a paper From The Law Firm XXXX XXXX XXXX That Is Stating Dear XXXX XXXX we have been advised that our client 's lawsuit against you in the above case was recently served. if you are interested in resolving this case without further legal proceedings, we invite you to contact our Legal Department at ( XXXX ) XXXX to discuss your case in the event you are unable to reach a representative, we also welcome you to contact us via fax at ( XXXX ) XXXX or email XXXXXXXXXXXX, with a brief explanation stating how you would like to resolve this matter. and a representative will be in contact with you. However please note that contacting our office does not relieve you of any requirement ( s ) to file responsive pleadings with the court we would like to reach an amicable resolution to this matter. Payments and communications should be made only through our office. We Look foward to hearing from you This Firm is Licensed to practice law in XXXX, XXXX, XXXX, XXXX And XXXX. This Communication is from a XXXX Collector and is an attempt to collect a debt any information obtained will be used for that purpose. 
Sincerely, Frederick J Hanna And Associates, PC And When I Contacting Them XXXX XXXX said That Got Noting To Do With You Go To Court Let us Know How It Went but the Letter came to me With my name on it she had A Very Nasty Attitude

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have issues with carmax auto finance. I am current with my payments now and they have shown improvement in my report with XXXX but I was under the impression they remove negative credit report when reason no longer applies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been very open and honest with Sallie Mae about my difficulty to repay my loans because I am not making what I expected after graduation. It took me 6-7 phone calls and multiple line transfers to receive what little help I managed to get. I was told by multiple employees of their company that my best and only option was to let my student loans fall into default so they could be send to a collection agency, where I would receive assistance. I have also been told to pay them or " else. '' I have been told that they " do n't have to do anything and do n't care about '' my issues with repayment. It is shocking how quickly their attitude changed when my loans entered repayment. When applying for these loans, I was led to believe that income-based repayment options would be available to me after graduation if I was unable to make the original set payments. I am currently using graduated repayment on the loans I have that qualified, but even with this option, the payments are still too high - almost half of my monthly income. I try to be financially responsible and do not want to see my credit and potential future ruined over their lack of willingness to work with their customers.

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 02/28/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: Needed to order some merchandise from XXXX. Placed the order, but the product never got delivered. I even called XXXX and they determined that the product was stolen. I advised XXXX that the deliver driver left my back gate open and someone walked in and took the package. I have been back and forth between XXXX and Citi CC and again for the 10th million time i am submitting a complaint. And also my card got comprised, I got a text stating that someone was trying to use my CC at a foot locked for the amount of {$470.00}. on XX/XX/2017. Which that was not even me. The only thing this card has valid is a XXXX dollars charge from XXXX. Which I will be moving to my other CC soon. This card has been the worst to deal with. CITI CC also stated that they sent a replacement, WHICH I NEVER GOT!!! I just want my Money back.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I JUST RECEIVED A LETTER STATING THAT THEY WILL NOT REMOVE INCORRECT INFORMATION THAT THEY HAVE REPORTED ON MY CREDIT. I HAVE FILED A COMPLAINT WITH THE CFPB BUT NOTHING HAS BEEN DONE. I 'VE ASKED THIS COMPANY SEVERAL TIMES TO SEND ME PROOF THAT I SIGNED FOR THIS LOAN/ACCOUNT ALSO ALSO ASK TO SEE THE VALIDATION OF DEBT LETTER. IN WHICH THIS COMPANY REFUSES TO SEND ME. I KNOW THAT.S AGAINST THE LAW FOR THEM NOT TO SEND ME THE INFORMATION I REQUESTED. I 'VE ASKED THEM TO SEND ME THE SIGNED CONTRACT FOR THIS ACCOUNT, BUT THIS COMPANY REFUSES TO SEND ME THIS INFORMATION. THIS IS AGAINST THE LAW. I 'VE SENT PROOF SHOWING MY NAME AND ADDRESS AND THE ACCOUNT THEY ARE LISTING IS INCORRECT. I NEED FOR THE CFPB TO HELP WITH THIS ISSUE INSTEAD OF CLOSING THIS ACCT WITHOUT SENDING THE ITEMS I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I was sent a  Chase Amazon  Rewards credit card for which I never applied, and with an {$8500.00} limit. When I called the number on the back of the card, I was transferred to a fraud protection organization. The representative said she was canceling the account but would not give  me ANY information, such as if other cards were opened on the same account, if the card was ordered in conjunction with an Amazon purchase, etc. The representative would only stick to her script. This makes me wonder if opening the account in my name was an inside job ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Billing disputes

Complaint: BANK OF AMERICA IS UNLAWFULLY RE-INSERTING ACCOUNT # **************** AND ACCOUNT # XXXX SEVERAL TIMES OVER XXXX YEAR PERIOD ON MY XXXX CREDIT REPORT WITHOUT 5 DAY NOTICE TO CONSUMER AND VIA CHANGING ACCOUNT DATA, IN VIOLATION OF F.C.R.A.. XXXX HAS ASSISTED THEM IN DOING SO, AND MUST CEASE AND DESIST ANY FUTURE ILLEGAL ACTS. REMOVE XXXX ACCCOUNT FROM XXXX OR PAY FINES FOR DAMAGES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: I had applied for mortgage on XXXX/XXXX/16 with Sebonic/Cardinal Financial. They charged my credit card on XXXX/XXXX/16 for {$480.00} as appraisal fee. About one hour after the charge ( same day ), I called and informed them that I am withdrawing my application for mortgage with them so there is no need for appraisal. I also requested that the money charged be credited back to my card, both over the phone and in writing, as an email. They did not credit the money back and today I received property appraisal that was done on XXXX/XXXX/16 despite my withdrawal of the mortgage application at the earliest stage of application. 
following is the company/loan originator information. 
XXXX XXXX | Loan Originator Originator XXXX XXXX Cardinal Financial | Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX : XXXX | f : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX, 2015 I checked my American Express Serve Card balance and had approximately {$380.00} dollars available. This was to be used to pay a bill so on Monday, XXXX XXXX, 2015 I checked my balance again so that I could withdraw the money to pay my bill and my available balance was {$9.00}. I immediately called American Express Serve and explained to them that for some reason I only had {$9.00} available when I should have had {$380.00}. I saw that there were XXXX transactions for {$120.00}, {$120.00} and a pending charge for {$120.00}. They all were from XXXX. I requested a fraud dispute document. I explained on the document that I did not make the charges and did not authorize anyone else to make them on my behalf. 

However, a couple of days later I received am email from American Express Serve that they had done the following:1. Closed my account. 
2. Determined that the charges were valid. 

I again called American Express Serve and asked them how they came to that determination especially since I did not charge anything from XXXX, and did not authorize anyone to do so. Afterward I was told to read paragraph XXXX of the User Agreement. Upon doing so, it gave me no information regarding fraudulent transactions, or how I would get the money back that was taken from my account. 

Furthermore, the email that was sent to me said I Could request what information lead them to determine that there was no fraud. However, when I called Amex Serve they kept referring me to paragraph XXXX and no help regarding what they found or how I will get the money that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: requested validation on debt owed never received.

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 10-04-2015 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (ME).
Issue: Application, originator, mortgage broker

Complaint: In short : I 've been bait-and-switched by e-rates mortgage. 
I applied for a mortgage refinance with e-rates in XXXX and was offered a XXXX rate. I was told in XXXX that the only pending matters were final balances and an appraisal. On XXXX XXXX I received a refund on my credit card from an appraisal company, with no word from e-rates. I tried to reach the XXXX people I had worked with, by email and by phone, and neither returned my call until I left a voice message saying I would being going to regulators. I received a Tuesday call but when I had heard nothing by Thursday, I posted on the XXXX page of XXXX, through which I first had contacted e-rates. Although XXXX promises to " act as ombudsman '' on all loan through its site, there is zero contact information on its site. Since then I have received a " not-to-worry '' email from XXXX and a call from e-rates offering me " market rate, '' which is currently .1+ percent higher than I was quoted in XXXX. If this is not a bait and switch, I 'll eat my XXXX XXXX diploma. Thanks for your help in shutting down scammers, of which I know this is hardly the worst -- but I bet they 're making a big cash in at the margins.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with Wells Fargo Mortgage Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told Wells Fargo that my loan was transferred to the VA and WF paid off, yet Wells Fargo continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, WF refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that WF reuses to correct the problems and it continued harm me. 

Finally Wells Fargo got caught and I received a letter that WF now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX /XXXX, XXXX XXXX , XXXX XXXX. I also am a victim of the XXXX  and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.

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 02/20/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I woke up and decided to withdraw all my money from coinbase and I've been locked out of my Coinbase account since XXXX XXXX and there appears no way for me to access my account So what I did is open up a case at coinbase support and there was no response from them.I called them and talked to XXXX and she said ve just checked your account and can confirm that your request has been properly escalated.It all happned because I was verifying my id because all 3 heavy payment sending delay was 72hr and all of a sudden I was logout of account with suspended msg.Iam afraid by looking at your post I would loose my money.I recomend better wait for 72hr and pull all your money instead of choosing id verification.I agree if you dont have your private keys dont expect you are 100 % secure

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.

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 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company has been on my credit report some time stating I owe a debt to them. I have never received mail in correspondance to this debt. I have contacted the company on multiple occasions through the number provided online ( XXXX, FL based company ) with little resolve to the situation. I have been hung up on, transferred repeatedly to sit on hold for long periods of time with ultimately no resolve to the situation, I have been told they can not proceed without a claim number ( which was never administered ), I have been told this company can not find debt under my name and information YET IT IS ON MY CREDIT REPORT! I am fed up with the lack of effort they have provided in addressing this " debt '' I supposedly owe. Each time I call I am transferred to an employee with a completely different excuse than the last. If I am such a stranger on their files why is my credit report being bogged down with this bogus charge! Since I have actively tried for a period of time to resolve this I am bringing the issue to your attention in hopes of some breakthrough in clarification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2015 about Debt collection (I do not know) with Global Trust Management LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The company XXXX XXXX XXXX has made repeated calls to my employer, my family, and my friends claiming I owe a debt and need to call them back. 

The number is XXXX xXXXXName : XXXX XXXXThey have not sent me any correspondence via mail about this alleged debt. It is to the point of harassment. They call 3-4 days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (I do not know) with High Point Asset Inc (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive numerous calls on my work line for debt for a XXXX XXXX. I have indicated I have had this phone number for almost 9 years and nobody by that name lives here, but I still get calls. The most recent is from High Point Asset and they are calling two to four times a day now. 

As stated, I use this line for work, and it is very disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received notice from Bank of America that they were notified by XXXX that there was a chance my card had been compromised and I would be receiving a new one with a new number. Upon inquiry Bank of America and XXXX refused to disclosed what was the source of the compromise with Bank of America putting the problem with XXXX. 
If a particular merchant was the cause of the compromise I want to know so that I do not patronize that merchant in the future. 
The time necessary to deal with the new card will be lengthy as I have a number of recurring monthly bills tied directly to the card. As the end used I should have the right to disclosure of the suspected source of the compromise.

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