milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I sign up for a home modification with B.S.I. I was put down as a denied, I ask why? they told me I was a fraud. I ask what make me a fraud. they said I did n't sent all my paperwork.I told them, that not a fraud. 
I resign up three time sent all my paperwork only to be told we never got it. each time. I was told that. XXXX my status has changed my daughter live with me now, still trying to get modification..me and my advocate sent a update package, only to be told we do n't have it, and we are not going to review you.I have been here three 25yrs. and work 33 yrs. Iam retired now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX/XXXX/2016 I contacted TransUnion by phone at XXXX to dispute inaccurate information on my report. This is the phone number listed on my credit report to contact TransUnion. The representative I spoke to failed to assist me and attempted to transfer me to special handling. Again I just received the voicemail. No one from the Special Handling department has returned my call. 

I called back a second time and when I mentioned that I have questions about my file ; when they found out who I was I was immediately transferred to the Special Handling voicemail again. 

I am disputing the following information : Phone XXXX - Inaccurate phone number Name - XXXX XXXX XXXX - Inaccurate name XXXX XXXX XXXX - Missing balance, payment information and account status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - Not my account XXXX XXXX - XXXX - Missing balance, payment information and account status for XXXX - XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missing balance and payment history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, I am writing this message because I am having a problem with the credit bureaus. As im going over my credit reported dated   XXXX     XXXX  2017. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification.
Also there is an account thats haunting my credit report to the extreme, its called   XXXX   XXXX   XXXX   This has been reporting to my account for some time now, i have tried disputing and calling to let the bureaus know that this account does not belong to me AT ALL! I have no contract with this company. Its been disputed, but keeps coming back verified. The FCRA states that if they can not validate the debt, it has to be removed.Its an unverifiable account.please remove it/them

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (UT).
Issue: Deposits and withdrawals

Complaint: I was issued a savings bond check via XXXX XXXX XXXX XXXX, which was cashed into my Chase Bank Account. However, the check was rejected and my account was closed and reported that fraudulent activity was happening. This is incorrect. My parents had gotten the savings bond check, with their name and also my name on the savings bonds, and the check was mailed to me in California and cashed into my bank account. There should have been no problem!

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has filed XXXX separate times with XXXX separate collection agencies, each time I 've disputed the acct, its been deleted off XXXX, equifax & XXXX XXXX, now they 've reported me again ( or I assume sold my acct ) with a different XXXX again called enhance recovery company, I 've continuesly disputed because this does not belong to me, I ca n't even dispute it with equifax because for some reason I 'm locked out of my report & I 've disputed it at least twice with experian but they just leave it there, funny thing is about experian a couple disputes of mine only took them one day to come back with their decision, I ca n't believe it took them one day, anyway I 'm so tired of fighting them, no matter how hard I try, my score has gotten so low, like XXXX & XXXX, from XXXX & XXXX, not the greatest but every time my acct is sold and placed again, it keeps XXXX it, help ... 
Ty, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern ; I opened an additional checking account at BB & T ; XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX on XXXX XXXX 2017 ; Senior Checking-MM XXXX and because of a typo in the social security number caused by the Bank the account has been closed. Before and after the account was closed BB & T accepted three deposits totaling {$2000.00}. <P/>I received a letter stating ; Our records indicate you recently opened an account ( s ) with BB & T. Upon further verification and review or the information you provided, BB & T has determined it is necessary to close the above referenced account ( s ). <P/>My attempt to retrieve my money has continued for over a month. I was told that if I went into the branch ; which I did two weeks ago, and provided a social security card and drivers license, I would get my funds. I showed up at the branch, and was again denied access to my money. My drivers license and social security card were copied. And someone said there would be a {$25.00} fee to close my closed account. <P/>Therefor ; I am making a claim for my funds in the amount of {$2000.00}. <P/>Thank you for your time with respect to this situation. <P/><P/><P/><P/><P/><P/>Sincerely XXXX XXXX XXXX XXXX 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 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have tried to speak with USAA and was directed to the department that does Long Term Assistance. I went through the process and the financial information as well. I was put on hold for an extreme amount of time. After speaking with the agent I was told congratulations have good news. She informed me if I could ask my Aunt to loan me more money I could qualify for assistance. I know this is wrong because I do the same thing at another bank. I know this is against the Graham Leach Bliley act. This is UNFAIR AND DECEPTIVE. USAA has constantly done things to thwart my asking for assistance. I as even informed that my account would be re mediated and was informed I would be contacted by the Office of the President. I am appalled that a bank can operate like this. I am the consumer that is asking for help to pay back his obligation however the bank could care less. I have many emails and I am asking for this to be investigated this is illegal. I have asked for Cease and Desist and still get calls. I know under the FDCPA that they cant continually call me. I have tried many times and constantly transferred. LISTEN TO THE CALLS PEOPLE YOU WILL SEE THAT CUSTOMER ARE BEING LIED TO AND THIS IS UNFAIR. Graham Leach Bliley ACT prevents a creditor to be biased and unwilling to assist. It also is against UNFAIR and DECEPTIVE ACTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a XXXX and will be XXXX years old this year. I borrowed {$42000.00} for combined XXXX and XXXX school. I have been repaying my loans on time since XXXX. I have never been charged a late fee and purchased my house in Connecticut in XXXX with a 2.7 % interest rate because of my good credit rating. I contacted Navient to ask why I still owe {$41000.00} after paying {$340.00} a month for 16 years. I was informed that there were fees such as " administrative forbearance '' that accounted for my present principle balance. I requested my payment records and each month that I make a payment, the fees cancel out that payment. I have done everything possible to pay this debt. I consolidated my loans and applied for loan forgiveness while I was working as a XXXX at XXXX XXXX XXXX and was then informed that I was not qualified because XXXX XXXX XXXX was not a participating facility in the loan forgiveness program despite the fact that we XXXX. XXXX XXXX XXXX outsourced our jobs in XXXX, four months before I would have been able to retire with health benefits. I am now working at XXXX, who just laid off XXXX of my co-workers. I have repaid Navient and XXXX XXXX {$65000.00} to date and still owe {$41000.00}. I can not pay this off. I contacted the Ombudsman at the Department of Education who said that it was normal for Navient to charge administrative forebearance fees. I later learned that the Ombudsman works for Navient. My Social Security wages will be garnished. I understand that the people who invest in the XXXX XXXX XXXX are guaranteed income and that the Student Loan Servicers, XXXX XXXX in particular, have had their stocks increase by 65 % since XXXX was elected. But I am not going to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with PNC Bank N.A. (FL).
Issue: Billing disputes

Complaint: There is an PNC Credit Card account listed on my credit reports that I did not open and I have no idea who opened this account. I have written the company and the ceo and they have dragged there feet in removing this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Rewards

Complaint: In XXXX 2017, I applied for a XXXX XXXX XXXX card under a special rewards offer. The offer at the time was XXXX points after spending {$5000.00} in the first 3 months. I opened this card in my local Chase branch through a special business relationship manager. Shortly after applying, Chase came out with a new rewards offer for the same card of XXXX points after spending {$5000.00} in the first 3 months. I called Chase to request a match and I received a letter in the mail from a Chase representative that the offer would be matched after completing the {$5000.00} spend. I reached out to Chase earlier this week but the representative saw nothing on my account and did n't know how to fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2016 about Debt collection (Payday loan) with Unifin Inc. (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by Unifin to collect a debt for a payday loan. I advised that I could not pay the debt at the moment but intended on paying it. I was told that they would proceed with legal action because they had the information they needed to do so. I was told that as soon as I pay it, I would be able to borrow again. I was also told that if I had a negative reporting, they would delete it. The first date did n't work for me. I called back today XXXX XXXX, 2016, to clarify what I had been advised. XXXX offered me another settlement. When I asked how soon I could borrow, I was transferred to her manager. He advised that as soon as I settled, I could borrow. I paid the amount and was told that I would receive the settlement offer & receipt in an email. I did n't receive anything. Borrowing quickly was important to me because I had to take my daughter out of town to a specialist the following day. So, I paid the amount. When I went in to borrow, I was told that I could n't. When I called Unifin back, I was then told by XXXX, it would take XXXX 60 days. This was misleading and deceptive. I asked if all of their calls were recorded. She said they were. I spoke with them a total of 4 times in 2 weeks. I encourage them and other governing agencies to listen to those calls. I am probably not the only victim of their unfair and deceptive collections practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I wrote and contacted Sears and Citibank serveral times. My account was at a zero balance. Citibank chose to close my account when I filed for bankruptcy. Sears and Citibank was not part of the bankruptcy and it should not be reflected on the credit report as discharged by bankruptcy because I never owe Sears or Citibank any money. My account with them was in good standing. General Account InfoAccount NameSEARS/CBNAAccount NumberXXXXAccount TypeCredit cardResponsibilityIndividualDate OpenedXXXXStatusDischarged through XXXX XXXX XXXXStatus UpdatedXX/XX/XXXXBalance -Balance Updated -Recent Payment Amount -Monthly Payment $0Credit Limit $6,000Highest Balance XXXXTerms NAOn Record UntilAug 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 07/26/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Macy 's American Express card was stolen and someone charged dozens of XXXX gift cards on it over a period of two months. This occurred last year and I have spent nearly a year trying to have this fixed. I have been told repeatedly that I now have a zero balance ; however, I have begun receiving calls from Collections Agencies stating that I have an outstanding {$840.00} balance on this card that has been closed for nearly a year. I am trying to buy a house and this has negatively impacted my credit score that I worked extremely hard to maintain. Today, XXXX/XXXX/16, I have been on this call for XXXX minutes and have spoken to nearly XXXX different people, all telling me different things. I have been transferred to multiple departments and people to whom I need to re-identify and re-explain the situation because they did not do so on their end. The most recent person told me that the {$840.00} balance is comprised of late fees and missed payments from the charges I never made.

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 08-07-2015 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Using a debit or ATM card

Complaint: My husband and I bank with PNC and someone obtained his PIN number and made a fake debit card and took almost {$3000.00} from us all with atm withdrawals. We live in XXXX and this took place in XXXX. It was never stopped and we were never notified. I was under the impression they had 10 business days to return our funds temporarily while they investigate. Here we are day 10 after we filed the claim with no credit to our account. XXXX have been told they do n't know when the money will be put back onion and that it could take as long as 45 days all awhile they are incouraging us to use my husbands credit card which is of course through them and suggest that I open XXXX as well with them. We are very frustrated as we have a child and have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent in all my personal information to equifax with proof of who I was and address and they have n't sent me my credit report so I can see what 's on my credit. I put a fraud alert out too cause some of the dealership was letting me know some thing that was listed on my report when they check my credit. I told them that someone had been using my credit

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (IA).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX XXXX XXXX from Consumer Portfolio Services on XXXX/XXXX/XXXX. The original loan was for {$20000.00} and I have been paying on this vehicle for 1 year 11 months and the balance is {$19000.00}. My monthly payments are {$470.00}. I have paid {$8600.00} to date on this loan {$1500.00} has been applied towards principle and {$7000.00} is interest and other fee 's. My vehicle has a blue book value of {$8400.00}. I do n't understand how it is legal for the principle balance to be so high after almost 2 years of paying this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction problem

Complaint: send {$1000.00} to daughter through western union to be available on  XXXX   XXXX .On  XXXX   XXXX  get notice from western union money on hold. Aft er 1 hour  on telephone western union will refund money back to my bank minus $  XXXX  They  did absolutely nothing but cause problem and charge me {$10.00} .I think they scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed a debt to an original credit grantor, ( XXXX/Dillards ) some how ( XXXX ) XXXX XXXX XXXX was brought in to collect the debt, we ( XXXX and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to two division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from one mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my XXXX account with no mention of the XXXX account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Regarding a collection notice from a company called Afni , Inc.I received a collection letter in the mail for payment on an account ( XXXX ) that I never had. I called the number and they asked for personal information that I did not give them. They provided an address and email that I did not recognize. They mailed me a package to complete an ID THEFT AFFIDAVIT and asked me to mail it back. After researching their company online I noticed many fraudulent collection complaints. I am now providing all the information to stop them from phishing for personal information and file an official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MI).
Issue: Fraud or scam

Complaint: The Coinbase company states it has completed a payout to me of {$210.00} to my bank XX/XX/XXXX, which would be estimated to be in my account by XX/XX/XXXX. 

I have not received any money, email, or response to my 10+ email requests sent in to resolve the issue.

Company response to consumer: Closed with explanation