milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Chase bank notified me of possible fraudulent activity relating to my debit card/checking account. I check to look at the activity and it indeed was not myself making the ATM withdrawals. I noticed that over {$4000.00} had been taken out. I opened a claim with them but they said that since I logged into my account during the time of fraud that it 's considering " monitoring '' the account so they will not honor my refund. I had the card with me the whole time and I confirmed with a chase representative that the withdrawals were made with a card that did n't have a chip ( i.e. Chase security failed me and someone duplicated my card and got my PIN ). Additionally I was not near any of the ATM 's during the time of withdrawls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (NV).
Issue: Account opening, closing, or management

Complaint: I have had an account with Rush Card for six years now. Two days ago I misplaced my card and had to report it Rush Card and request a new card. Well let me tell about the last XXXX hours on the phone and not being able to contact Customer Service to do what THEY require. Without my card I can not pay rent buy food and pay my bills that are due now. I have already discontinued my direct deposits and changed banks. This whole deal with Rush Card is a bunch of XXXX and needs to be dealt with one the Federal Level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Fraud or scam

Complaint: I called the XXXX number Coinbase posted on XXXX and did everything they asked me to do and they have a criminal working for them and thus were able to steal my XXXX balance. They did not send you the emails I sent them so you could make a good decision. 

You closed my complaint and I did not want it closed until they admitted that their employee enabled my funds to be stolen. I want a full XXXX refund now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 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: my last student loan was in XXXX. Those with XXXX XXXX were privately funded and should be removed as having expired. The balance on all loans should be XXXX, as all loans were discharged in XXXX of 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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (IA).
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: Mortgage provide r Seterus Date of last activity incorrect Balance reported {$160000.00} should be {$150000.00} Scheduled payment should have always been {$940.00} Amount past due of {$2800.00} should b e  XXXX  60 to 89 days past due, is incorrect. Everything paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: It has been 30 days, this highly disorganized CRA needs to finish the investigation and send me a complete updated credit report. It is amazing that BOTH XXXX and XXXX have investigated, removed the subject items and already mailed a report.

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 08/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NC).
Issue: Fraud or scam

Complaint: Yes Coinbase has not transferred any funds into my checking account even though it shows complete on XXXX XXXX and I have a XXXX balance on Coinbase and no funds have been put back into my checking account. It 's been over two weeks with no response even though I filed multiple cases. The amount was {$1000.00} and I have contacted my bank and nothing has come in even though Coinbase did a wire transfer to verify my bank account. They took my money asap but will not replace it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Debts that were over 7 yrs old

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

Complaint: I was one of the millions of people affected by the hack of Equifax, and after confirming that via their website, the only compensation offered was a single year of credit protection. This protection came with the caveat that I must submit to binding arbitration. I do n't believe their offer would genuinely help protect me from the potential harm of a data breach of this magnitude, and the fact that it was even possible is alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently applied for a loan and when my credit report was run ; the loan agent told me that my score had dropped significantly. When we researched the report we find a derogatory report from my old mortgage company that held the loan for my last house. It was stated by the company that I had made a late payment ; the supposed late payment was issued on XXXX of 2014. The problem with this claim is that I had sold the house on XXXX XXXX of 2014 ; obviously there report of this late payment is impossible. I have contacted the company via email and phone ; I supplied them with the report and highlighted the discrepancy. The have done nothing to correct the issue and now they wont reply to my email or phone calls. They give me excuses like they do n't have the loan on file anymore, even though the its been less than a year. Its being investigated by there people but I am not allowed to speak to them. I spoke to a supervisor at one point and she hung up on me, another time I was put on hold and intentionally hung up on. 
I reported this issue with Experian and they have put in a dispute, advocating on my behalf with the company as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, 2014 I opened a case against XXXX XXXX and XXXX XXXX because they opened a collection which was closed as Identity Theft on XXXX XXXX, 2014. 

In that time, I explained to them that I have not ever live in NY, so it is not reasonable that I ask for a service in a place that I do not live and I do not planning to live. 
I work here in XXXX XXXX, I studied here, and I have been raised and live all my live here in XXXX. 
Also, I have an excellent credit ( which is affected by this again ). I do not have that kind of behavior about not paying my debts. 

Those cases were XXXX, and XXXX, which you have in your system. 
Both of them closed as Identity Theft. So why XXXX XXXX are trying to open this again after a year? It is not fair and they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I applied on line for a Wells Fargo Bank account so that I had somewhere for my father to wire my money. He lives in a rural area where the nearest XXXX XXXX is 3 hours away so it would be easier to wire money straight from his bank to mine. 
I was refused a bank account. I had resolved my bank account issues to my understanding with Wells Fargo. They understood that the previous issues were due to fraud. They XXXX out my account and I chose to close the accounts until a later date. They did n't even reimburse me for what was fraudulently taken from the account. 
Now I am refused an account 3 years later and want to know why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted XXXX XXXX concerned about a inquiry on XXXX/XXXX/XXXX, I was told to contact creditor. I contacted creditor who after a 1hr call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry

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 11/15/2015 about Credit card () with Continental Finance Company, LLC (MI).
Issue: Other

Complaint: About three months ago, I applied for a XXXX XXXX that was recommended by XXXX XXXX. Upon completion of the application, I was approved online but then I realized that they would deduct half of the amount on the XXXX fees. I called and declined to accept the card and was told that everything would be cancelled. For the last three months starting the last of XXXX, I have been receiving letters requesting payment for this cancelled account. I have called their customer service and they verified that the account was never opened nor activated. I just received another letter requesting payment which I am not going to pay. They have even threatened to report this to the credit bureau as a deliquent account. The individuals name on the letter is XXXX XXXX ( collections Department ). If I receive XXXX more letter from them I am considering hiring an attorney and also filing a complaint with XXXX my state. I am tired of the harassment and I am tired of them trying to get money from me that I do n't owe as well as threatening to report this to my credit bureau as a deliquent account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with Eastpoint Recovery Group, Inc (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The company called Eastpointe group on behalf of XXXX contacted me several times over the course of the last month. I advised them that I do not have any contracts with the company and do not wish to receive further communication on my cell phone. They have continues to call and have begun contacting my place of employment, phishing for information about me. Today, XX/XX/XXXX, they contacted my work at XXXX XXXX and advised my front desk that they are seeking to collect a debt and need information about me. I contacted them and asked them to cease contacting me on my cell and at work, and the representative stated that if i do n't give them {$300.00}, they will start taking money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I am soooo Upset!!!!!!! I cancelled a purchase from XXXX in which I was to pick up the merchandise from a local store. I did not go to the store, instead I canceled it. Per Rushcard member services, I would need to fax over an authorization hold reversal form from XXXX with trans info stating to release hold. I get that done, then the reps say they can not do it because of a policy they have in place with XXXX that will not allow them to release the hold. I know they can release the hold because I 'd had them release a hold before. Now it 's school time and they are holding my funds from me doing what I need to do!! I swear I am going to do away with Rushcard after I get my funds released because since the change in banks, it 's has been a nightmare!!!! Im really starting to hate rushcard after being with them since XX/XX/2009. They may get another lawsuit as far as Im concerned. I call Unirush and they tell me they are sorry for the incorrect info of sending in the authorization release form, but they can not release it.???. So you have all of your reps saying the same thing, but it 's wrong? So much of a scam going on!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recieved a letter stating i owe {$160.00} to Diversified Consultants on behalf of at & t.Im not familiar with this bill nor these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Checking or savings account (Savings account) with DISCOVER BANK (GA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Discover Bank Complaint CFPB # XXXX Over two months have passed since I contacted Discover Bank and informed them that every time I logged on to the site, I received the notification that I would have to complete a few items that would only take a few minutes before I could access my account. When I tried to comply, I received this message : TECHNICAL DIFFICULTIES We were unable to complete your request. We regret there was a problem on our end. Please try again later or contact Online Banking Customer Service at XXXX. As of this date, XXXX XXXX, XXXX, I am still receiving this message!! Then, in early XXXX, when I logged into the Discover Bank web site, and tried to access my account, I noticed that my user name was shown as I wanted it to do but when I clicked on the password block, a notification asked if I wanted to use my Discover Card password to access my account, I clicked on it and gained access to my account. Anyone with access to my computer could gain access to my account without knowing the password!! Alarmed, I again contacted Discover Bank and was directed to their web support department to get the matter corrected. I followed the employees instructions to accomplish this and when I tried to use my computer I found that all of my information entered for the various programs had been wiped out. I could not use my computer for two days before I had the problems corrected. They could not have XXXX things up any worse if they tried.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Iqdata international has illegally charged me interest on a debt associated with a apartment bill, they have been reporting wrongful amounts to credit report charging me false interrdt charges that are completely illegal and are violating the credit report act. I have submitted a complaint to the bbb and they will not respond. Call the them and told Iq data they are breaking the law. Others are being forced to pay these false rates or they will not have a clean report. This is bullydog tactics, consumers are being blackmailed by this company. I have contacted the debt owner XXXX XXXX and they will only go through iqdata international, I have told them exelactly what iq data is doing and they refuse to contact them about 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 06/16/2016 about Credit card () with TD BANK US HOLDING COMPANY (MO).
Issue: Billing statement

Complaint: I am getting double charged for the amounts of the purchases I make. On XXXX XXXX I was charged XXXX then the following few days I was charged {$17.00} again. Then I made nother purchase in the amount of XXXX and was charged the following day {$27.00} on my account. This resulted in my account being placed over the limit and me not being able to shop online. This is a terrible system. I called into Nordstrom to let them know. Everyone besides XXXX was non chalant about it and said its our system we cant do nothing about it. Thats not fair to people who want to shop and for use their credit card. Its just not right. It 's greedy, and unethical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Bank account or service (Savings account) with BB&T CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: I tried to open a online savings account with them this year. They keep denying me an account. I gave them all the right information. I used to own a online account with them. I 'm not sure why they wo n't let me have this savings account. They once told me a the local branch I have to have both a checking and savings account. That stinks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated XXXX XXXX XXXX and Common Wealth Financial System are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$55.00}  XXXX / XXXX / XXXX  {$72.00}  XXXX / XXXX / XXXX  {$110.00}  XXXX / XXXX / XXXX  {$170.00}  XXXX / XXXX / XXXX  {$150.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have had my limit slashed ... I was told a letter was sent on XX/XX/18 in reference to being late ... but not over 30 days - 12 days if I remember correctly. On XX/XX/18 half of the balance was paid off, as of now the card is completely paid off. This was very embarrassing when I went to use the card, and was not aware of the lowered limit. Now they are back peddling sending me the letter again - there are hundreds of bad reviews on this company. 

If I was late ... ok, but paid a late fee - this was as if I got penalized twice - one being the late fee, and the other being a credit line decrease.

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