milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Billing statement

Complaint: Transactions are not moving to balance due giving false impression money is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated call to my cellphone - One today from Portfolio Recovery Associates. The number they called from today ( XXXX/XXXX/2015 ) was XXXX. 

On two other occasions I have ask that no calls be made to my cell. One of the other call was from XXXX on XXXX/XXXX/2015. Requested for the second time no calls are to be placed to this cell number. 

In all three cases I notified that they were calling a cell and to never call this number again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.

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 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I wired {$37000.00} to my account at XXXX ( Coinbase ) on XXXX/XXXX/XXXX. The fund was confirmed and received by their bank, XXXX XXXX, on XXXX/XXXX/XXXX. However, it still has not been posted to my account as of today, XXXX XXXX, XXXX. Many inquires into their support channels produced no real responses. Case detail is as follow : Amount {$37000.00} XXXX : XXXX Account ID : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 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: XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 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 was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone. 

The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX I received a notice in the mail stating that I would be able to earn up to XXXX XXXX XXXX XXXX by opening up a Citigold account. That month after I opened the account I sent them an e-mail that confirmed that they had applied the promotion to the account and they were waiting for me to fulfill the requirements. In XXXX XXXX I sent an e-mail to get an update on the promotion. Citibank stated that my requirements were completed and that I should wait until XXXX to see the points applied to my account. As of today I have n't seen any points and citibank refuses to respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX/XXXX/2017 we were at XXXX XXXX XXXX center, where I was having XXXX. That same day a series of fraudulent desposits into our bank accounts at Bank Of America began. This was followed by withdrawals which caused our accounts to be overdrawn. All of these transactions took place at several out of state locations, well outside of our normal area. We did not receive any notice from Bank of America, it was only when my wife tried to use her debit card at a local grocery store and was denied ( XXXX/XXXX/2017 ) that we became aware this situation. She immediately notified BOA putting a freeze on further activity. We were assured by BOA our money be refunded once an investigation was completed. We have since received a letter from BOA stating since a debit card and pin # where used during some of these transactions we are at fault and liable. We are attaching four files showing times, locations, and what little information BOA has giving to us. We are a retired couple living on a very moderate income and had to withdraw additional funds from an IRA to get us through to this point. We feel that we have been treated like the criminals and BOA has acted in there own best interest not ours. We have been a customer of BOA for forty years and never even bounced a check.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company has reported false and inaccurate information on my credit report. They have reported this information to  XXXX  and Transunion using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.

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 09/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Credit decision / Underwriting

Complaint: This story begins back in middle to late 2011 with Wells Fago. The company I was working for cut hours and then cut my pay. I contacted WF for help, I was instructed to miss XXXX payments in order to put my acct in a certain help status. Long story short, it too 3 years, but I tonight it was XXXX, until XXXX last year. Some new acct manger, decided to put my loan in a foreclosure status, sent me new paper work to fill out, because they said they never received my original paper. I filed a complaint with HUD, FHA, and XXXX. After it was all said and done, they did not honor the first refi numbers, they gave me a higher payment and rate. Then finally I got someone from corp office at WF, was very apologetic, assured me that none of this was my fault, that she was very sorry for having her company put me thru this and also assured me that my credit history would be zeroed out, cleared of all the wrong doings from them. Also, I saw where my home insurance was extremely high at {$2400.00} per year with XXXX XXXX. I found a cheaper {$950.00} a year and wells fargo suddenly sent me a statement saying my notes have increased by {$350.00} a month then went down only {$9.00} a month. At this point I just hung up and wonder why I had to be put on XXXX. Well, last week I went to trade my XXXX XXXX with XXXX miles on it in and informed the sale lady my credit was n't the best and should be around XXXX. Well, she called and said it was worse than expected at a XXXX. Then I got the call of a 17.5 % rate at a {$800.00} a month note. I made sure she did n't fall and hit her head real hard, then ask if there was delinquencies reported from Wells Fargo, no surprise she said yes. Then she explained that she could n't do anything better because of what and how they have reported my history. She said everything negative on my report is and would be ok, but the Wells Fargo was the deal breaker. I have since called Wells Fargo XXXX times, left voice mails, called and emailed the HUD lady that helped me in the passed and not XXXX person has returned a call or email. So, here I am starting another complaint against Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MO).
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: on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, XXXX, XXXX concerning the Dept of Ed/Navient accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXXit reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month. 

I sent the above complaint to XXXX, XXXX and XXXX. XXXX responded stating that they store information in their records as it is supplied to them by creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: In correspondence dated XXXX XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I received notification that Synchrony Bank closed a dispute with XXXX XXXX in favor of XXXX XXXX, citing a letter that XXXX XXXX sent them indicating that I had not responded to my own request to have a brand new refrigerator repaired due to the refrigerator light never working even at time of delivery on XX/XX/XXXX. The six emails that I sent to XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding the brand new refrigerator light not working were not included as evidence I had  contacted XXXX XXXX attempting to get the repair done. After days of runaround by XXXX XXXX with them at first telling me someone from repair would call in 48 hour to me calling and emailing repeatedly unsuccessful in my attempts to either get the refrigerator light fixed or return the refrigerator, I paid a repair person {$75.00} to diagnose and repair the refrigerator door light switch. I contacted XXXX XXXX, President Synchrony Bank on XX/XX/XXXX asking why were n't any of my many emails sent to XXXX XXXX sufficient evidence that XXXX XXXX falsely claimed that I have not responded to them regarding the refrigerator and why Synchrony Bank based their decision in favor of XXXX XXXX based solely on XXXX XXXX 's letter to Synchrony stating that attempts were made to contact me and I did not respond. XXXX XXXX from the Office of the President at Synchrony Bank responded indicating that she would be assisting with a resolution, but only asked me to email her -- which I had already done.

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 10/29/2017 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 contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX please fix my account I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My loan is in forbearance. As of today 's date   XX/XX/XXXX     I tried calling Navient at  XXXX  and  XXXX  to talk about starting repayments.  <P/> I had to call  three  times to the  XXXX  number. It is an automated system that simply disconnects the call and refuses to turn the call over to a live human being.  <P/> I then called the  XXXX  number and received a human being outside of   XXXX  . I requested a supervisor in  XXXX . After a five minute wait the operator to whom I had made the request came back on the line and stated that " they had no direct number to a supervisor. ''

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 reporting) with Experian Information Solutions Inc. (AL).
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: Open Date :   XXXX  2016  {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.

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 10/13/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX 2016 SYNCB/WALMART received XXXX certified letters disputing XXXX account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received no feedback from SYNCB/Walmart whatsoever. I checked my credit report 30 calendar days since the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone make them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] The information they are reporting is incorrect and fraudulent. I contacted the customer service section using the number provided on my credit report. I requested that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (PA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Account : ARS Account Balance : XXXX Date : XXXX XXXX XXXX. This account is not mine continues to send letters Account : ARE Account Balance : XXXX Date : XXXX XXXX. This account is also not mines

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 08-01-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Santander charges high interest rates and daily interest charges and other fees for each day you 're late on a payment. I have paid in 2 years over {$8000.00} that has just gone to interest and nothing to the principal. The vehicle is now worth {$6000.00} and their payoff quote was for {$22000.00}. Their fees are astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DeWitt Mortgage Services and Property Management, LLC (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Contact Details PROPERTY MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX This company fraudulently reports I opened an account with them XXXX XXXX. I have no idea what company this is, they can provide me with no information confirming i opened an account with them. I have tried on several occasions to have them correct their error to no avail.

Company response to consumer: Untimely response
Consumer complaint received 12/31/2015 about Debt collection (Medical) with Oliver Adjustment Co. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being charged for a medical bill that should have been covered through XXXX, however the bill was never submitted to my insurance company. I was never contacted by the hospital about the bill, and was only notified recently after the hospital sent the bill to collections, and now I owe a debt that I should n't have been required to pay in the first place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Debt collection (Other debt) with Credit Service of Logan, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I called the State wide LLC Informed them that I was going to be filing a BK. They turned and told me that I could not. They were yelling at me I told them I have a attorney, I talked to supervisor he told me to call the m 3  way, Yes I have a attorney but have not been able to get a hold of them I am working on that. I tried to get them to listen to me and tell them not to call my sister to cease communications. They keep calling her at work and bothering her. I told her to tell them that if they call her one more time that she will contact CFPB an turn around and sue them for harassment. I then get a call from  XXXX   XXXX   XXXX  that they verified employment and house of residents and were going to serve me with papers. Yes I know I can be served I have worked for a collection agency but she was yelling at me and demanded that I have  2  forms of ID 's well I have not been served. I know who I owe and the amount but I am filling a chapter  XXXX  bk I have huge medical debt and cc debt that is out of my reach. I am also a   XXXX   XXXX   XXXX    XXXX  and just cant handle the medical debt. They also threatening me with jail. Check fraud etc

Company response to consumer: Untimely response
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Walter Lee & Associates, LLC (MA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: i been receiving a phone call from a walter lee and Associates LLc. i finally answered to the call. A XXXX XXXX claimed to work for the company. and that i owed money to XXXX the amount of {$240.00}. if i wanted to pay the full amount or do a payment pan of {$120.00}. They already had all my information including ssn, address and etc. All they needed was my bank information to make plans. i gave them the information. thinking i was fixing my credit. when i called to follow up the call went straight to voicemail

Company response to consumer: Closed with explanation