milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2017 about Consumer Loan (Installment loan) with Alliance Data Card Services (TX).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I purchase some furnitures from XXXX, they were offering 12 months same as cash financing, I take the offer and open an account with Comenity Bank, which is the finance company this store use. I did n't get most of my furniture till XX/XX/XXXX, I pick up about {$2000.00} worth of furniture within next few days, there is about {$4000.00} of furniture did n't get delivery till XX/XX/XXXX. I got charge for the interest due because I have not paid in full by XX/XX/XXXX, but the store told me when I purchase it, that the delivery will be on XXXX, which it did n't happen. I call the store and the Comenity bank, both refuse to help or waive the financing charge due to the delivery where postpone till XX/XX/XXXX. I only have about {$2300.00} left after I made many regular payment over the last 12 months. I was going to make the final payment on XX/XX/XXXX once my 12 months time is up. But according to Comenity bank they say the interest free is only good till XX/XX/XXXX, if I do n't paid by then I do get charge for the interest accrued for the full amount. I have attached the paper work to show the delivery date and the first month statement and most recent month. Please assist with this matter, I feel the retail store and the finance company should n't have charge me for product which I have not received. Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile 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 12-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is compliant in regards to debt collection for a balance from a XXXX XXXX. The XXXX agreement was processed on XXXX service charges Everything Data {$19.00} Premium Data {$10.00}. Total estimated monthly service charge $ XXXX have attached the contract. 
From XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge the {$10.00} Premium Data Fee over and above my monthly service charge. Please see attached sample of XXXX of the monthly billingFrom XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge {$99.00} a month for the monthly service charge. Please see attached sample of XXXX of the monthly billings. 
I was also charge late fees over the course of the billing period, please take note that when a consumer signs up for a certain amount ever month and you bill {$80.00} dollars above that every month the consumer may find it difficult to pay that bill. 
Also I would like a refund for the early cancelation of contract because the contract was never establish or maintain at the rate agreed upon.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called to close the account and asked for a payoff balance. I was given that balance and paid it. After the account was closed I was charged a {$9.00} fee, then late fees with out me knowing month after month. I left multiple voicemails for representatives and have not been called back. I am now speaking with attorneys in my building about doing a class action suit against chase. I have found 15 other individuals with similar stories and plan on running a social media campaign ( i own a marketing company ) to find as many victims as possible with similar stories.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Late fee

Complaint: I received my TJX ( TJ-Maxx ) on XXXX XXXX, XXXX ( via mail ). The statement shows a payment due date of XXXX XXXX, XXXX. This credit card company is not giving me sufficient time to receive and pay my credit card bill in accordance with federal regulations. In XXXX, similar events had happened and I went forward and paid the late fee without complaining. However, now looking back, I should have complained as this may be happening to other consumers. I am filing my complaint in hopes that they make corrections to their operational practices so they can be in compliance and not harm consumers with illegitimate late fees because of their operational deficiencies.

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

Complaint: Today I found out that equifax experienced a breach and personal credit information has been divulged for many Americans. I checked via their website to see if my information had been affect and it gave me a notification that my personal information may have been breeched. Equifax knew about this hack for about a month and did nothing to notify me and I had to found out via the news that my personal information may have been accessed. This is incredibly negligible on their part and requires me to put a fraud alert and a potential freeze on my credit accounts and I will need to file taxes early as well. I was given a one month late start to check my credit and my accounts to see if there was any evidence of fraudulent activity, had I not seen the link a friend sent me I would have most certainly missed this as I was asleep from night shift and I 'm not aware that equifax would have contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Concord Servicing Corporation (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been in dispute with XXXX XXXX XXXX which is a timeshare since XXXX. I pulled my credit and Concord Services has marked my credit that I am in collections but never gave me written notice of this. I should not be in collections because this is a disputed contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I did not get the bonus for opening checkings account with Bank of America. On the website XXXX I scheduled an appointment to my nearest branch as said on the website from the link on the website. I received email on XXXX XXXX, 2016, XXXX CT with confirmation number for appointment XXXX to open the account with above offer. I opened the checkings bank account next day with bank manager saying that bonus will be honored once direct deposits are made. I chatted with Bank of America representative same night to know when Bonus shall be received. She said that Bonus will be received after 90 days of meeting requirements. I did n't receive bonus till XXXX. I called Bank of America on XXXX XXXX on customer service. The representative said that after meeting requirements in 90 days, it usually takes around 1 month for processing the bonus. In XXXX I did n't receive any bonus. On XXXX XXXX, 2016 I again called the customer representative that I did n't receive bonus in spite of continuous direct deposits. She asked me to call XXXX number as the Promotion department was closed that time. I called the above number on XXXX XXXX, 2016, I called the above number and everything was answered in XXXX. So I again called the customer care on XXXX XXXX, 2016 to take up the case, continuing from yesterday. He calls the promotional branch and replies that I am not eligible for Bonus. He tells me that my name is not there in their list. I tell them its not mandatory to open the account online, its given on the website that the account can also be opened by going to the branch and my scheduling appointment through the website is the proof of it. They told me that you can talk back to the branch. I am tired of this Flip-flop from one person to other. 
My logic is simple. I opened the account through the promotional offer website by going to branch. The branch person who opened my account. I met all requirements with all direct deposits till today. Now its their turn to honor the bonus. My work hours as a XXXX do n't give me time to go to the bank branch on weekdays like they want and I do n't understand, why I should go to the branch. They should contact the branch manager by themselves and resolve the issue, but the customer service do n't want to open the case. I think Bank of america just does n't want to honor the bonus and make their customers beg for bonus. I am soon going to terminate my account if I do n't get my rightful bonus from them.

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 11/18/2016 about Debt collection (Medical) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I talk to XXXX man and transfer me me another guy .the other they transfer me to was rude and yelling at me treating me that there taking legal action. I stated how do I know this could be a scam and I look up the phone number and people stated something things about them. He started getting loud and saying then just wait and see what happens and that this was my fault you should pay your bills.then he called my sister and then my father twice and harassing them on the phone. He never stated where he was from and what company. It 's stressing me out and I am having sleepless nights BC they keep calling. 
They asking for my personal from family also.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Student loans being reported by XXXX XXXX, Navient, XXXX XXXX XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The reply from Equifax WAS NOT the CORRECT RESPONSE from my complaint XXXX. 

1 ) The issue complaint Equifax to remove XXXX from my credit reporting just like Equifax removed other creditors from my bankruptcy Chapter XXXX. 
2 ) I did not had to contact my other creditors to have items removed from my bankruptcy, however, Equifax did removed other creditors that was associated with my bankruptcy. 
3 ) Equifax refusal to correct this problem is a clear action on their part of unfair credit rating with discrimination damaging my credit rating. 
4 ) Equifax refuse to reply with the correct response also clearly is action that they do not want to correct the issue with my credit rating. 

( see attachment : cover up other creditors to prevent Equifax from adding back other creditors on my credit report or committing another unfair action against my credit report ) Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I saw this on XXXX XXXX and disputed it please send me a letter and in that letter you asked to put in someone else 's information so that is violating HIPPA law IT has personal information of the other party so I tried contacting them and are they tell me was that they were sorry and they wanted me to send it back to them immediately. They were giving me the runaround I called the number that was on the letter apparently that was a wrong number to the routed me to someone else I 'm supposed to that person and I he tell me he was to send it back. They were being and uncooperated I told them that I was going to call the CFPB because it was a big violation that I thought needed to be reported. On the other bill it 's not even my first name is spelled A different way and I have no reconition of the account so I want it off my credit report. And as I was looking at it it 's over seven years old. The only resemblance that we would have is the address street fees XXXX just like mine but im in XXXXand she is in 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 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hi, I lived in a shared apartment with random roommates 2 years back when I was in college. The apartment complex is called XXXX. They are known for malicious practices such as charging residents fees without explanation after move out. I had a fee of {$190.00} which was unrelated to me. I tried contacting the apartment without avail. I received calls from a debt collector 2 years after I moved out. The collector is National Credit Systems and I unsuccessfully tried to dispute the debt. I also called again willing to pay off the debt if I could get something in writing that they will remove the collection from my credit. I was disregarded and hung up on by the debt collector. I 'm not sure what I can do and I need help. 

This malicious activity is a constant practice by these apartments and debt collectors and they really hurt recent grads like me who are trying to start our career. I was n't given any answers and took a hit on my credit because of these practices. This is something that really needs to investigated because I 'm not only one dealing with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (OH).
Issue: Using a debit or ATM card

Complaint: I have an American Express Serve Card. On Tuesday XXXX/XXXX/2016 I received a deposit from my XXXX in the amount of {$590.00}, this deposit was from a hardship withdraw that I submitted for so that I could pay my rent since I am facing eviction. Around XXXX I went to XXXX on XXXX in XXXX , Ohio to withdraw the money via ATM. This bank 's ATM is on the list of bank 's Serve customer 's may go to withdraw money for no fee. I put my card in and selected the amount of {$580.00} to withdraw. The machine stated it was dispensing my money, the machine kept making noises like it was counting but no money ever came out. I went inside the branch and explained what happened and was told that there was someone working on the ATM at that time and per the teller, if no money was dispensed, then it should not have came off my card. I went to check my card and American Express had immediately taken the money and hard posted it to my account. I called the American Express and spoke to a supervisor named XXXX, she just told me I had to file a complaint and it could take up to 45 days. I asked to be transferred to a manager and I forgot to take her name down. She understood the severity of this, since this was a large amount of money and me and my XXXX children are about to be put out of our house. She went and started the dispute process and advised me to fax my letter explaining everything to XXXX. She advised she would try to get this resolved quickly. I faxed my letter on XXXX/XXXX/2016, I then called to follow up today Thursday XXXX/XXXX/2016. I spoke with a rep and a manager by the name of XXXX, who has no care in world. Advised her that my landlord is giving me till XXXX/XXXX/2016 to pay my rent or else we have to go. She says with no care in the world, I have to wait till XXXX XXXX that is when the dispute team said they will look at this issue again. I ca n't wait till XXXX. I use to bank with XXXX and when an ATM transaction was done it would pend for at least 24 hours and then hard post. American Express takes the money off my card immediately and will not put it back that fast. I 'm upset because this is pretty much theft in my eyes, my money has been taken, but I never received it and now I ca n't pay my rent and American Express will not take care of this in a manner of seriousness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: On XXXX/XXXX/2015 Citi Bank reduced the credit line on my credit card although I have never been late and have honored the terms of our agreement. This action by Citi Bank will reduce my credit score because it will reduce my available credit and increase my outstanding debt ratio. My credit should not suffer if I have kept my end of the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I transferred {$4000.00} to Coinbase : Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX United States Account number XXXX Routing Number XXXX Recipient Name Coinbase, Inc Recipient Address XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Reference Number : XXXX I sent the money from XXXX : From : Account : INDIVIDUAL ( XXXX ) Action : Transfer cash To : Account : XXXX XXXX XXXX  Account Number : XXXX Bank Routing Number : XXXX Wire Amount : {$4000.00} Transfer Fee : {$10.00} Total Amount : {$4000.00} I have contacted both XXXX XXXX  XXXX XXXX XXXX who both verify that Coinbase has my money. I have attempted to get into contact with Coinbase via E-mail, their support portal on their website, I have tried calling them ( they have no numbers publicly available ), and I also tried reaching out to them on XXXX  and reversing the wire transfer through XXXX to no avail. At this point the money is being held hostage by Coinbase and I can not get in touch with any individual who may be able to help me. I have read online and a number of users have had issues with Coinbase holding their funds hostage/in limbo. Any help with this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Credit card protection / Debt protection

Complaint: I received the attached notice ostensibly from Target, alleging I owed them a payment. Neither my wife nor I have ever had a Target credit card or been in one. I called and the firs question asked was for my Social Security number. This is either a questionable market strategy or a complete scam. I have no idea. If you could inquire, that would be appreciated and would perhaps prevent people from providing their SSN. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Equifax is providing me unequal / disparate treatment as it relates to unfreezing my credit file. Their online portal does n't allow me to unfreeze my file so I have to call in. When I call, they taunt me and say that since I did n't do it online I 'd be punished with a five day waiting period. This prevents me from running any credit applications for an extended period of time. They have no technical support department to contact to resolve the issue. Therefore I 'm unable to unfreeze my credit report in a timely manner and the company is clearly unwilling to support this simple issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: MY IDENTITY WAS STOLEN SO I PLACED A FRAUD ALERT ON MY FILE. NOW I AM UNABLE TO OBTAIN ANY CREDIT BECAUSE THE TELEPHONE LISTED ON MY FILE IS WRONG AND THE CREDITORS ARE NOT ABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED UNSUCCESSFULLY TO CORRECT THE WRONG TELEPHONE NUMBER.

Company response to consumer: Closed with explanation