milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: To whom it may concern, I am writing this letter to plead my case about why I deserve to have my bank account reinstated. 

A few months ago I was approached by an acquaintance asking for help, he said it was urgent. He told me that he needed me to cash out his money order since he was unable to do it himself because he was having issues with his account and that it would be a big favor if I could do it for him. I had no experience dealing with accounts like this before so was not as suspicious of his motives as I now realize I should have been. I believed him and did him the favor. Now, I realize I got lied to, victimized and hustled. I am ashamed I allowed myself to get taken advantage of and that I was so nave.

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 08/15/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Problems when you are unable to pay

Complaint: I owed credit acceptance about {$7000.00} for a car loan. They took me to court and everything got settled and the judge ordered me to pay XXXX % of my gross income every week until the debt is paid off. They are not to contact me anymore or to harass me over the phone. Since the Judge gave his judgement, credit acceptance has still been calling me, harassing me and they are now claiming to be the United States government. I have changed my number several times and they still find me and claim to be the United States government or a representative from the student loan forgiveness program seeking to get my personal information such as my bank account. When i use a different number to call them back, they pick up the phone saying " credit acceptance ''. Since everything was settled in court, they no longer have the right to contact me in any way, especially making false accusations claiming they are the United States government. I have taken other actions such as making a police report and reporting them to the FTC, but they continue to call me and family members around me. When I do n't give them what they want, they start using foul language, hang up and sometimes call me as much as 55 times a day. 
They call using several different phone numbers, but the main one is XXXX ( XXXX, IL )

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 04/15/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Chase bank is re-aging their private loan charge off accounts on my XXXX credit report. The actual date of the XXXX delinquency on both Chase private loan accounts was XXXX XXXX. They are reporting that the XXXX delinquency date was XXXX XXXX in order to keep reporting their negative accounts on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I called Capital One multiple times to try and submit a dispute/chargeback for a product I bought that did n't meet standard. I called multiple times to try and initiate a " case '' against the merchant, but each time I was unsuccessful. My internal capital one " case '' was closed multiple times on the basis that I had resolved my dispute with the merchant on my own. That was untrue, and I have since been told that I can not continue my " case '', as its past the timeframe they allow.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. ().
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am currently residing in XXXX and would like to get my annual ffree credit report. But the website is not available from myLocation. I called the number given XXXX, butThere is no assistance to talk. The access to website mustNot be restricted from the location where I live. Let me knowthe best way to get my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Using a debit or ATM card

Complaint: This is a complaint against PNC Bank, with my checking business account. There was a lot of transactions with my debit card that were n't authorized with me and also with the establishments of stores and also a lot of atm retirements. I have contacted the bank because I received an email of alert and I immediately called to make the claim that those purchases were n't authorized by me but went through without my permission. I asked to have another express debit card because they have left me without money in the bank. After, they switched me to the atm services of the bank, I had to push through to have my claim go through. There was a lot of retirements of atm that were n't made by me for months now. They did n't want to give me a claim number, and that the money would probably not return into my account. By the rules, I should have protection against these types of situations. The thing that upset me the most was that for the first time, I have to go to the physical bank to ask for claim but they ask me to call them through an email.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (SC).
Issue: Managing the loan or lease

Complaint: I co-signed an automobile lease for a new XXXX XXXX with my adult daughter in XX/XX/XXXX. The lease was with Southeast Toyota Finance aka World Omni Financial Corp. My daughter drove the car and made the $ XXXX monthly lease payments on time. She was involved in an accident in XX/XX/XXXX and the car was deemed a total loss. She continued to make her lease payments as directed. In XX/XX/XXXX, our automobile insurance company, XXXX, paid {$13000.00} to World Omni Financial Corp. World Omni claims that on XX/XX/XXXX it mailed one {$800.00} final payment invoice ( which they say was the difference between the XXXX payment and the actual value of the car ) to my daughter 's address and posted a copy to my address. World Omni Financial says the due date was XX/XX/XXXX, less than 30 days later. Neither my daughter nor I received that bill in the mail from World Omni Financial and they did not attempt to contact us about any past due amount using the multiple email addresses and phone numbers they company has on file for each of us. Instead, without a second notice or attempt to communicate, World Omni Financial listed the debt as a " charge off '' and reported the account as delinquent to the XXXX credit bureau. I learned about the matter when my credit protection service alerted me to the delinquent account report, a first ever on my more than 40 year credit history. Though World Omni Financial had already written off the debt by the time I contacted them, I subsequently paid it off through a third-party vendor they use -- XXXX XXXX ( confirmation # XXXX ). Had World Omni Financial called or otherwise attempted to contact me before all of this, I would have paid them what was owed. I always do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Shows on the credit report that an account with a minor balance owed from XXXX XXXX from 2012, no other prior reporting. Reported immediately, not a blatant balance that was outstanding for long. {$79.00} was paid immediately. Requested to be removed because of these facts. Denied and only updated. debts on the report an estimated date that they will remove, this XXXX no. Also the last complaint filed with continually dropping my score since becoming a member from XXXX to today poor with continually placing paid debts, non valid debts on my report that why should this impact my score, there reply had nothing to do with the complaint. Contacted the Omnibudsman with no reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX bank issued an unauthorized credit card with no signature on an account. XXXX XXXX XXXX bank submitted fraudulent contracts to support claim. I am a victim of banking " cross sales '' tactics which are illegal and currently under investigation at XXXX XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I went to may my mortgage online with Nationstar on XXXX XXXX, 2015 and when I went to pay my mortgage there was an additional charge for a transaction fee of {$9.00}. My mortgage payment is not considered late until after the XXXX of each month and if they do not receive the payment they charge 5 % of the amount of the mortgage. If I pay online prior to the XXXX of each month there is no transaction fee. I called and they say it is a convenience charge. Would n't it be convenient for me to pay my mortgage online anytime. What difference does it make that I pay on the XXXX vs. the XXXX or XXXX. They still sweep my account the same day I submit my payment from my checking account and they receive the money before the XXXX. If I sent them a check and they received it each month on the XXXX they would need to process the check and get it cleared from my bank before they credit my account. When I make my payment online it is done automatically. So I ask why they charge on the XXXX a {$9.00} transaction fee when prior to that there is none. Please investigate as I believe Nationstar is ripping the consumer off. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/2015 I closed on a home using a conventional mortgage loan with Wells Fargo. My loan started reporting to credit bureaus that no payment information is available until XX/XX/2015 but reported as a conventional mortgage loan. Then it changed my conventional mortgage loan to reporting as a regular loan so it looks as if I have a huge personal loan out. This does n't show that I have variety of loans so it 's not benefiting me at all with my credit. I disputed the situation for the date of payments not showing correctly because there is proof and information that can be reported before XX/XX/2015 and also that my conventional loan is not reporting as such. Wells Fargo contacted me and I was told things were back correctly reporting and I would be sent updated report. I did n't receive an update of report. My credit report did for 30 days report my conventional mortgage correct but never did anything about accurately reporting my payment history information from the start which is XX/XX/2015. Then it went back to reporting partially incorrect ever since. It is a frustrating situation. I want to apply for a credit card but with things not correct with Wells Fargo reporting my credit I 'm not in the best situation to get the offers I may could obtain.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was compromised in the Equifax hack onXX/XX/XXXX. I do not yet know how this hack will effect me. I do not know what should be done, but this CAN NOT happen again. Equifax, XXXX, and XXXX should have the best security available. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I discovered this debt on my credit report along with an address I 've never lived at in another state. I contacted the collection agency with my proper contact information and still have received nothing. I contacted the original debt owner, a hospital, and they refused to give me an itemized bill of the charges my insurance refused to pay. I only am being told that this gigantic bill is from my XXXX and I believe I 'm being overcharged and not given the opportunity to prove it. 

I 've been advised that I should have been informed by the hospital that my insurance would be applying the entirety of the visit toward my deductible and given the option to not be admitted as an inpatient for what appeared to be XXXX. The hospital has an urgent care facility on the same block, or they could have directed me to a free/reduced price clinic. At no time did the hospital inform me that I would be paying in full out-of-pocket for the expenses incurred there.

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 02/27/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WI).
Issue: Other transaction problem

Complaint: This is a complaint regaurding the website Coinbase. Recently ( around XX/XX/XXXX ), when logging into my coinbase account I received a notification that a debit card transaction from XX/XX/XXXX for {$500.00} was reversed and that I was required to make a payment of {$500.00} to unlock my coinbase account. I contacted my bank to see if there were any payment reversals from coinbase and there weren't any. I have bank statements that can prove this. The debit card I made the purchase with is no longer active as well, although I don't see how this could affect this situation. I contacted the coinbase support team and they said they created a support ticket and in the meantime I did nothing with my coinbase account. I had a balance of over {$1200.00} in my USD wallet on coinbase and a few days later Coinbase decided to take out {$500.00} from my USD wallet and forced me to double pay for a transaction I already paid for, leaving my balance in my wallet on the coinbase website with only around {$700.00}. I feel completely scammed by coinbase because there is no way a reversal could have happened because COINBASE ALREADY RECEIVED MY {$500.00} ON XX/XX/XXXX. So I was charged twice. Once on my debit card on XX/XX/XXXX, and I was charged again from my coinbase wallet over a month later. I would not have received the cryptocurrency coins I purchased if it didn't go through. I would like my {$500.00} back and can provide any necessary information to prove that there were no payment reversals by my bank. The support ticket I opened with the site is support ticket XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with Equifax and XXXX that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16 I accessed Chase website to check status of my mortgage payments. I noticed corporate fees accessed on my statement dated XXXX/XXXX/16 and XXXX/XXXX/16. My loan is currently due for XXXX/XXXX/16. Chase is in violation of Respa Act and FDCPA Act. I need to know what are the fees for. I have attached a copy of the statement reflecting these fees accessed on my account. 
Your help in resolving this matter would be appreciated. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I have disputed an error on my credit report with Equifax and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Equifax, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Bank account or service (Checking account) with First Data Corporation (ID).
Issue: Making/receiving payments, sending money

Complaint: I wanted to pay my XXXX XXXX online and I entered my bank info, and received a message that Telecheck could not process my payment I called the number for Telecheck and there is no option or agent to talk to so I can find out why my bank account info will not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to XXXX three months later. After researching both XXXX XXXX and Portfolio Recovery Associates and learning of their less than ethical practices, I felt it necessary to report their activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Went to see my doctor and asked for certain type of XXXX for a procedure that it should of been covered by my medical plan. a month later I get a bill in the mail from the doctors office and the XXXX company. after several attempts with the doctors office they realized that it was a first time visit and it should be cover with my insurance plan also the XXXX should of been covered by my plan. they corrected the office visit bill but never corrected with the XXXX. 
I should not be paying for the XXXX bill since I did not requested those additional XXXX. 
my visit and XXXX should be paid by the insurance company in full. the extra XXXX was irrelevant to my procedure. there was no need to have added tests to the XXXX it was required. 
I called the insurance company and put the dr office in a conference call, they were going to call the XXXX to correct the bill and they did not. 

I have an outstanding credit history. I pay my bills on time. However if the bill does not belong to me to pay I will not pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with BELING & ASSOCIATES (AZ).
Issue: Fraud or scam

Complaint: I have been paying this company between {$350.00} and {$250.00} per month for the past 1 1/2 years. I was told they would reduce or have my private student loans cancelled. They also told me my credit would not be affected and if it was they would repair it. come to find out my credit is shot and all of my debt was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX we began negotiations with Wells Fargo Home Mortgage to a deed in lieu of foreclosure. Each time we near the end of the application process, we are given the name of a " Home Preservation Specialist ''. When we call back that number, either the person no longer works there OR we leave a voicemail and no one calls back. They have done an inspection of the house and tell us, this will take another week or two to close. When we call to speak with someone, twice we have been told our documents are expired and we have to begin the application process again. We sent documents by XXXX last week, which were delivered and have been told this process of reviewing will take 30-45 days. In the meantime, they will have foreclosed on our house.

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 09-07-2015 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no idea where or who this XXXX XXXX came from because I have never been nor do I know who this XXXX XXXX person is!!!.???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation