milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Delbert Services (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was hoping by chance you could help me or guide me in the right direction. I received a loan from Western sky approx XXXX XX/XX/XXXX and around XX/XX/XXXX my loan was transferred than to XXXX for a few months, and then to Delbert services. I faithfully paid them {$750.00} per month and did n't really understand why my loan was transferred. By accident I was surfing the web to get Delbert services phone number and ran across the different complaints stating that the above lenders was fraud and no more payments should be paid to them. I cancelled my account they takes debits from. I 'm now receiving calls after calls from delbert services attempting to get payment. Each time they call I block the number and they call from another number. They are calling from all over the world. I asked XXXX of the representative if they were legal to practice in XXXX, IL and each XXXX said yes. I asked if they could send me proof that they are legal to practice here which I have yet to receive. How can I get them remove from my credit report if they are fraud? I obtained the order off Professional Regulation stating that Western Sky and its affiliates is ordered to cease and decease. I tried disputing Delbert Services off my credit report which they stated they have reason to believe the debt was mine. I never received a loan from Delbert Services it was transferred from Western Sky whom was not legit. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion has re added XXXX back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed

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 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have requested that Experian provide physical proof for them reporting my XXXX ACCOUNT as late as noted below. I have contacted them several times and they refuse to provide proof. They simply say they contacted the account holder and they verified the account. Funny thing is that I reached out to XXXX and they could not show where I had been late at anytime. That the loans have been in deferment status. So Experian is up to their old habits of falsely reporting information that can not be documented or verified under section 609 of the FCRA. I am asking that they either send me physical proof that I was late, or update the account as paid as agreed and take it out of a negative status. I am asking that their statement be removed or updated to show that I do not disagree but the statement needs to say this " Customer asked for verification, we can not provide the verification that is requested so we will list this as negative anyway to simply hurt the client '' I think that statement is fair and accurate. 
Account History : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Your Statement : Completed investigation of FCRA dispute - consumer disagrees.

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 01/19/2018 about Checking or savings account (Checking account) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I rented a car in XXXX on XXXX XXXX, 2018. My total payments for the vehicle was {$630.00}, I gave a deposit for the vehicle with my second American Express card of {$250.00}, and then the {$630.00} with the silver card of American Express which I paid in full of the amount of {$630.00}, being this is a prepaid card and the monies there have to be deposit then used. Well, I called A. E. to  get my deposit from card # XXXX back for {$250.00}, being they are no pending charges from enterprise and AE tells me I have to wait 30 days for my monies that are a prepaid deposit for the vehicle I am cleared of with XXXX. 
I had an Agent from XXXX name XXXX, speak to a supervisor and representative there at AE and they still want to hold my monies 30 days without any sympathy if I have other bills or not or if this is just amount I deposit into my prepaid card ... These monies are mine and it should be returned not in 30 days, but in 3 days is acceptable ... I want to get my monies now. I had also called them telling them I needed {$50.00} of my money until it clears for medication and they said no. This is not their money it is mine and I want it back soi can close both accounts the XXXX one and the XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an inquiry on my credit report dated XX/X/X/17. It is listed as XXXX-XXXX/XXXX. I have NEVER applied for this account. I looked up using XXXX XXXX and found it is an clothing outlet. I do not shop at online outlets. I then looked up XXXX XXXX/XXXX information ( again using XXXX ) and found the phone number of XXXX. I called on XX/XX/XXXX and spoke with XXXX in the Fraud Department. It was there he was unable to find the application in current and archived files. He stated that I have to dispute this with Equifax and that you all will call them and they will confirm they do NOT have my Social Security number on file for this inquiry. I am appalled that Equifax yet again has found a way to make my life bothersome again. The fact that you all would place an inquiry under my name that I NEVER applied for tells me you all are not about protecting someone 's identity. You are a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DE).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I applied for a Citigold account online and due to issues experienced I subsequently continued the application process over the phone to which I was approved. During both the application and new account setup process I confirmed multiple times I was eligible for the promotion provided with the application. I completed all the promotional requirements in XX/XX/XXXX. I sent a secure message to confirm if I had met all promotional requirements to which I received a response from a XXXX XXXX XXXX stating in part " As per the details of your message you have met the requirements for the promotion for XXXX bonus miles. Thank you. 

The fulfillment terms for the promotion states " The bonus miles will be credited to your existing XXXX member account within 90 days from the end of the statement period in which you complete all offer requirements. '' To set your expectations, if all requirements were completed on the statement cycle that will end on XXXX/XXXX/XXXX, then the bonus miles will be credited by XXXX/XXXX/XXXX and will reflect during the month of XXXX XXXX. '' I waited until XXXX XXXX and still had not received the promotional bonus of XXXX XXXX miles to my AAdvantage account. I initiated an inquiry asking why I still had not received my points to which Citi responded stating an investigation had been opened. I have just received the results of Citibank Service request XXXX to which they have stated I am all of a sudden not eligible. This response, in my opinion, indicates Citibank agents knowingly promote false answers to obtain new accounts given the experience I had throughout the application and new account setup process with the multiple confirmations of eligibility and subsequent confirmation of having met the requirements XX/XX/XXXX only to deny this promotion after the fact. 
I would like Citibank to honor their promise of the XXXX XXXX miles to my AAdvantage account or I will be forced to shut down this account as I certainly can not bank with an entity that I have now lost trust and faith in their verbal and written words. 

Thank you for your time and assisting in these matters.

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 04/17/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX HunterWarfeild is alleging that I owe {$770.00} or so the amount keeps changing on my credit report the amount keeps going up. I reached out to this company and asked for a signed contract they sent me back a contract with forged signatures that are not mine. I wrote them a letter to explain that this information is incorrect. Im not satisfied with this being on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NC).
Issue: Other service problem

Complaint: Hello, My name is XXXX XXXX from XXXX, NC. I travelled to XXXX for a trip in the month of XX/XX/XXXX. I have an account with Coinbase Inc for virtual currency and before i left, I bought XXXX Litecoin before I left to XXXX. I was unaware of the sanctions and laws about logging into Coinbase, particularly from XXXX, so when I attempted to log in to check my account, I was immediately logged out and my account was locked. I was asked to submit 2 documents to verify my identity, however there was no place on the site for me to upload them. I then emailed Coinbase Support my bank statement and my drivers license on XXXX XXXX and they confirmed that they got the documents. It has been over 1 week, and after multiple attempts of getting them to unlock my account, I am still locked out with no money. 

This is the same response I get everytime I try to contact support : XX/XX/XXXX XXXX Hi again, Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

We respond to cases from oldest to newest, and creating new tickets only makes your case appear new again, moving it to the back of the line. 

I understand how frustrating it can be to wait, but this is the fastest way to receive a response. 
If your request is cleared, well send you an email. 
If you need any additional assistance in the meantime, please let us know. 
my coinbase Ticket # is Case ID : XXXX Thanks I called Coinbase Support today on XXXX XXXX, they told me that there is no balance on my coinbase account. This is extremely scary for me because before I left, I had XXXX LTC in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I cancelled an order with   XXXX   on Thursday. The Authorization hold was on. The money appears to have dropped back into my Account on Friday it was back to Normal. I Checked my account on Saturday and I was Overdrawn. The charge is still only PENDING! I know instead of it clearing I 'm getting fees. If it 's only PENDING how can I be overdrawn? I have reason to believe that they reordered the Charge to create this overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX University from XXXX as an XXXX. I was under the impression that my student loans were federally owned. After I graduated, it came to my attention that a portion of the loan was owned by National Collegiate Trust. I had not made any payments between XXXX and XXXX, and the loan was in danger of default. I began making regular payments and have done so, in full and every month since late XXXX-early XXXX. Unfortunately, not only has the loan balance not decreased, it has increased. According to my most recent statement, the original principal loan amounts were for {$4200.00} and {$120000.00}. I have paid {$2100.00} and {$10000.00} in interest, respectively. Yes, it seems that the interest amount is nearly the same amount of the loan. Only {$1700.00} and {$3900.00} have been applied to the loan principal. As of XXXX/XXXX/XXXX, I still owe a balance of {$4300.00} and {$15000.00}. In sum, the original loan was for {$16000.00}. I have paid an aggregate amount of {$18000.00}. I still owe {$19000.00}. After 8 years of consistent payments, how is it possible that I still owe more than the original loan balance? What kind of interest rate gauging and manipulation is in practice in order for this to happen? How is it possible to be charged nearly 100 % interest for a loan?

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I have been having financial problems with keeping up with my bills. I have asked my mortgage provider for help. It 's very confusing with their response. One they said I ca n't get help because I made more then my bills. Then I reapplied. They said I should of not been behind on my mortgage and they ca n't help because I should of not falling behind and if your not behind on your mortgage we ca n't help you. But, yet they state on their web site to call as soon as your not able to make your payment, and you do n't have to be behind. Allot of things these days you have to pay up front. So when I catch up to XXXX bills I 'm already falling behind on another. My hardship is going through divorce and loss of XXXX income. But they still say I do n't have a hardship. They have allowed me to make a repayment program, which I 'm very thankful because I really want to make everything possible to keep this home. So now my income is {$4900.00}. I have bills of {$5200.00}. And now they also have jumped my monthly bill for mortgage from {$1200.00} to {$1700.00} which my bills would be around {$5600.00} ( with new calculation ) and they still refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX I opened a Citi Gold account with a XXXX deposit Citibank were offering a XXXX bonus after this had been left in the accound for a minimum of three months and found this was a far better return than interest rates from any bank. This account was opened by a 'new accounts manager' at a local branch and my regular Citibank Debit card was used to get all the details about my account. After XXXX months I enquired when the bonus was going to be paid and they explained that payment would be deposited in anytime upto XXXX after the initial XXXX months.  I was perplexed about this but though maybe it was in the small print and accepted this. After the XXXX month mark I enquired again about payment of the bonus payment and Citibank then said I hadn't made any electronic payments from my account which I had done to pay my credit card off so they then did a XXXX degree turn and said that it was because I already had an account which I opened in XX/XX/XXXX. I made it very clear when I opened this 'new' account the reason opening it was because of the bonus and the fact they opened it up with information from my existing Citibank Debit account card clearly identifies that I already have an account. I would have been more than understanding if they had made it clear that this offer was only open to new customers with XXXX to leave in their account for XXXX months but this wasn't and find it incredibly deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This card was lost, so they said they would have to do a cancel on it, and replace it ; and just the last 4 digits on the card would be different. This is not a reportable item. What else can a company do when a credit card is lost? So, should the company not have reported it as closed? This should not reflect in any way as something bad on my credit report. Who does n't lose one of their cards now and then? That has nothing to do with my credit worthiness. Please take this off, as the card was immediately re-issued. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: To whom it may concern, My name is XXXX XXXX I contacted Transunion, XXXX, and XXXX about a tax lien that paid off and after I paid it the Dept. Of Revenue still filed as a tax lien under Public Records to all XXXX credit bureaus. I disputed the Public Record as inaccurate to all XXXX credit reporting agencies. Documents verifying that my balance was deducted from my taxes in XXXX was provided with a written statement, and a a paid in full letter. The tax lien then was reported as paid. My issue is my balance was paid before the lien was even filed. I sent all credit reporting agencies my documents supporting my claim. Experian deleted the Public Record after reviewing my evidence of the error. Transunion, and XXXX still reflect the tax lien as a judgement. Today I called Transunion Tuesday XXXX/XXXX/XXXX @ XXXX and spoke with XXXX XXXX who stated she was a supervisor. I explained the situation to her. I informed to XXXX I 've been disputing this judgement for a year. She stated she does n't show any info where the balance was paid in XXXX. I asked how Transunion verified the judgement as being accurate she responded we verified it. I asked if it was verified what documents were you provided. I told her based on FCRA regulations I also have to receive evidence, especially if this public record is hindering my credit worthiness. XXXX stated she does n't have to verify anything and she was a supervisor. I asked because she seen the paperwork I sent verifying the balance was paid, did she see the other documents I sent with it. I informed XXXX I sent a letter hand written explaining my issue and a letter from Dept. Of Treasury stating the balance was deducted from my income tax refund in XXXX. XXXX said the information was in my file. I asked if she could read my written statement to verify it was received and she refused to answer my question without giving me a explanation of why. She was rude, and condescending. I was very upset and asked for her manager she hesitated to give me a name and said she had several managers. I said since you have so many please give me just one of their names she reluctantly gave me the name XXXX XXXX. I was very confused as a consumer I have the right to ask a credit bureau what is in my file to confirm it was received. I taken photo copies of the documents I mailed to Transunion. I hope this issue wo n't be the same with XXXX. Thank you for your time I 'm hoping I can get some results.

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 07-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Collection Services, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company XXXX has issued a debt collector, CBCS, to collect on a false debt that has already been paid for. I purchased a ladder from their website online and have records of payment and receipt, they do not ship a ladder unless it is paid for, so there is absolutely no reason for them to try to collect on a debt that has already been paid for. I then got letters from a debt collector indicating I still owe for the ladder that I already paid for. The balance is {$230.00}, but I already paid this and should not even be seeing this debt. I already sent proof of payment to the debt collector and told them I am disputing the debt, while they only replied to me a letter indicating the bill of which I have paid for. Again, you can not get merchandise from this website unless you pay for it, so there is absolutely no reason why I am being billed for a ladder I already paid for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2016 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: My name is XXXX I have power of attorney for my mother XXXX. 
she is looking for account # XXXX that was opened in XX/XX/XXXX with XXXX bank, the bank was taken over by Bank of America in XXXX. We went to BOA and after a 2 day search they have no record of this. Checked NYS unclaimed accounts, nothing. 
She is XXXX XXXX XXXX and this is very upsetting to her and I we need help 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