milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt validation to the collection company ( Pinnacle Credit Services ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company did n't provide any proof the account actually belonged to me. The company sent several statements but they did not a line with XXXX. The called the company asked if they could send me a copy of a user agreement signed or any proof that this account belong to be, I was told I needed to contact XXXX. After contacted XXXX, I was told that they did not have a user agreement or anything because the account was set through a third party ( XXXX ) in XXXX of XXXX. Since then the company XXXX XXXX has closed down, so there is no way to get a response from the company. The company is charging {$300.00} in termination fees for XXXX lines of service and balance of {$1000.00}. There was never a payment made on the account. The account was opened XX/XX/XXXX and closed in XX/XX/XXXX for non-payment. The company can not provide any proof that I actually opened the account and can not provide an agreement says that I agreed to a termination fee {$300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender is claiming I owe considerably more than I believe I actually owe. They can not document the additional charges they claim I owe. I do owe something, but they are grossly overstating the amount. The spreadsheet they provide to document the amount ( s ) due has an arrearage column that makes no sense. 
Additionally on numerous occasions, I have requested the lender to send me copies of the original loan documents with my signature and my husband 's signature to verify amounts due. They can not produce these documents.

Company response to consumer: Closed
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: I sent Coinbase a wiretransfer of {$2000.00} and on XX/XX/17, I received an email from them saying : " We appreciate your interest in Coinbase! You recently sent a wire to your account for {$2000.00} XXXX, unfortunately we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. ". They claim on their website that it would take up to 10 business days for the wire reverse to complete but it has been over 20 days and I have yet to receive my money back. I opened a support ticket with Coinbase ( case # XXXX ) but have not yet received any resolution from their customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX XXXX XXXX, including filing a complaint XXXX XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to Hunter Warfiled and they have removed my credit dispute from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Mortgage debt) with Richard B. Maner, P. C. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I would like to dispute the amount owed to Richard B. Maner, P, C, whom is acting as a debt collector  attempting to collect a debt as representative of XXXX XXXX XXXX 

I would like Richard B. Maner to present to me proof of their legal right to collect this debt. 
I would also like proof of the true amount owed as well as where this debt originated from. 

I would like to know why I can not direct contact with the correct decision makers on this loan, not the middlemen. 

I would like a chance to workout a settlement to this loan and request that the foreclosure date that is set for XXXX XXXX XXXX be postponed or cancelled. 

This Law Firm works hand in hand with XXXX XXXX whom has thousands of complaints about there unfair tactics on this site alone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
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: There is two XXXX XXXX account that are NOT mine, one was open X/2016. This needs to be removed it is fraud and again NOT MINE

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 07/23/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am initiating this final dispute in referenced to the accounts that I have original disputed above. I have disputed these accounts information as inaccurate with Equifax, and Equifax has come back to me and stated that they were able to verify these alleged debts. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to " Validate '' these alleged debts, and the receipts showing that I sent these letter certified signature request. These debts are not mine and I was given any evidence of my obligation to pay these alleged debts to the collection company 's listed above in this letter ( XXXX XXXX XXXX and XXXX XXXX XXXX ). 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Equifax credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Equifax. 
I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Delinquent account

Complaint: I had a credit card with Captial One that I failed to pay the balance on. I originally defaulted on it XX/XX/XXXX. I made no payments on the account until XX/XX/XXXX. I paid XXXX dollars on a XXXX dollar minimum balance. The account was never brought current. Capital One shows my date of original delinquency to be XX/XX/XXXX when it should be XXXX of XXXX. I have called and spoke to several representatives about this. I was told today that they re-aged my account when I paid the XX/XX/XXXX payment of XXXX dollars. They did not have my permission to do so, nor did we set up any kind of payment plan or agreement. When I asked them why they re-aged the account, I was told that although they could see the payment history they had no notes about why the account was re-aged. I am requesting that they change the date of original delinquency back to XX/XX/XXXX which means it should have fallen off of my credit report last month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (NY).
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: Re : erroneous item FIRST NATIONAL BANK # XXXX reported by First National Bank to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. First Natl Bank has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. First National Bank has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Applied for Credit and Found an account with FNB Omaha that does n't belong to me ... .contacted FNB of Omaha and the say that they do n't have a credit card account with my name or social security number or birthday. File complain with XXXX and they came back and said that FNB of Omaha said account was correct. 
I call back to FNB of Omaha again and the same result that they have nothing in my name but continue to report on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage with XXXX Mortgage Service Center. The payoff funds were sent overnight mail by the title agent on XXXX XXXX, XX/XX/XXXX and posted on XXXX XXXX, XX/XX/XXXX. Since the payoff amount of {$200000.00} was valid through XXXX XXXX, XX/XX/XXXX, I paid an extra day 's interest of {$25.00}. My escrow account balance was {$1300.00}, therefore my refund should have been {$1400.00}. The check I received from XXXX Mortgage Service Center was for {$1000.00} dated XXXX XXXX, XX/XX/XXXX. This amount is incorrect. Due to a separate complaint issue I filed with the CFPB regarding XXXX Mortgage Service Center earlier this year, XXXX separately agreed to refund a paid processing fee of {$370.00} for a release of liability processing fee I paid which had nothing to do with my escrow balance ( separate account : escrow account versus paid fee ). Since XXXX Mortgage Service Center could not process my release of liability request timely and requested documents not applicable to my specific situation because of my recorded oral stipulation for divorce and recorded quick claim deed ( validating no financial exchange and my need to refinance ), I elected to finally refinance with another lender due to the multiple servicing issues I had experienced with XXXX Mortgage Service Center. This is the primary reason why I refinanced with another lender ; simple processing tasks for some reason were not handled properly by XXXX Mortgage Service Center. Although I spoke to several XXXX employee 's during this process ; they really just do n't seem to truly understand the process being conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Student loan (Non-federal student loan) with AES/PHEAA (PR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: as I had a accordance payment with the company performant # XXXX account they will respond to new York hesc which 2 days prior to pay off sent account to XXXX / American education services which I are sent letters relating to the loan and paid. hesc I refer to sent a payment on XX/XX/XXXX and XXXX what collection on XX/XX/XXXX to the date of today XXXX # XXXX follow me by sending letter delay placing it in my credit history simple mind XXXX gave me a fax number to start an investigation that in your system does not appear any check charged # check is XXXX by the amount of {$3000.00} this information is provided by hesc.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a Home Equity with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XX/XX/XXXX. However, they did a new update in XX/XX/XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 had an ongoing issue with  XXXX  's credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my  XXXX  's card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax has allowed unauthorized hard credit pulls. See proof from XXXX and XXXX that they did not authorize the pulls. Please remove XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LTD Financial Services, LP (CO).
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: Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In  XXXX   XXXX  I applied and was approved for a  XXXX   XXXX   MasterCard Credit Card Account administered by Barclays Bank Delaware ( Barclaycard ).  I was charged and paid a {$99.00} annual fee for the card and its benefits which include a 50 % savings on inflight purchases. Those savings are described in the  Business Card Agreement as : " Cardmembers in good standing will qualify for a 50 % savings on eligible inflight purchases. Eligible purchases include the in flight purchase of cocktails, beer, wine, meals, and  XXXX  movies ( not  XXXX  ) on  XXXX -operated flights when purchased on their Account. Savings do not apply to any other inflight purchases, such as wireless internet access, or duty free. This offer is available on eligible flights as long as supplies last. This savings will appear as an Account statement cred it 4-6 wee ks after the transaction is posted to the cardmember 's Account. '' [ sic ] My account is in good standing ( I do not carry a balance but instead pay my bill in full every month ).     I made two qualifying onboard purchases with this card. Those purchases appear on the statement that closed on  XXXX   XXXX ,  XXXX , with the description "  XXXX  BUY ON BOARD. '' Those purchases were billed in full and no credit was provided. I paid the bill in full.     More th an 6 weeks have passed since those transactions were posted to my account and I still have  not received a statement credit.     I have attempted to resolve this issue within the  XXXX   Business Card cu stomer service system on numerous occasions. I have called the number on the back of my card and sent many messages through the cardmember website. I have not received either a resolution or an explanation. The telephone customer service representatives are unable to explain why I have not received the statement credit, and the only response I receive to the online messages is to call the customer service representatives.

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 09/15/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: I applied for the JP Morgan Chase Southwest Airlines Premier Credit Card on XXXX/XXXX/16 in order to earn the advertised XXXX points if you apply for the card. I applied for this card solely based on me getting the XXXX points since Southwest 's website clearly stipulates " earn XXXX after you spend {$2000.00} on purchase in the first 3 months. '' After spending over {$3500.00} and not seeing my earned XXXX points, I contacted Southwest ( " SW '' ) and they referred me to JP Morgan Chase since Chase are in charge of the rapid reward points. I contacted Chase on XXXX/XXXX/16 and spoke with XXXX XXXX who told me that I had gotten a different promotion and there never a promotion about earning XXXX points. I referred him to at that point directly to SW 's website to which he saw that this promotion was indeded being advised. Upon realizing there was in fact a promotion verifying what I said was true, XXXX immediately switched by stating that I did not qualify for the earned XXXX points since I booked a flight but got the {$200.00} credit instead. I told him that that was nothing on the SW 's website that indicated that I would forfeit the XXXX credit or there should be transparency in advertising for this card. He said in order for me to get the {$50000.00} points, I would have to pay them {$200.00}. After stating that I would dispute the {$200.00} fee, he told me that he was unable to give me the XXXX points and referred me to their Executive Office. On XXXX/XXXX/16, I faxed a letter to XXXX XXXX as well as the Executive Office explaining my plight. I was contacted on XXXX by a XXXX XXXX who stated that she would have to charge me the {$200.00} and that this is not the first time this has happened and apologized to me. XXXX went on to state that they have been working with SW marketing team to correct this misunderstanding. I told her the fact that so many consumers are calling regarding this, Chase has done this intentionally to defraud consumers in thinking that after ranking up over {$2000.00} they would earn XXXX points. What Chase is doing is false marketing and fraudulent to say the least to get consumers to apply for this card and have them charging over {$2000.00} within XXXX months thinking that they will earn XXXX points and then give them a different promotion and then turn around and charge them {$200.00} fee in order to get these points. I told her that that I will contact the Federal Reserve Consumer Help for assistance in Chase false advertisement regarding their Chase Southwest Premier XXXX Card. I will also reach out to 60 Minutes to do an investigation on Chase as well as contact my congressman to file a Congressional Complaint on my behalf to STOP JP Morgan Chase from defrauding the general public.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transunion. I have contacted XXXX XXXX who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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