milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Debt collection (Auto) with NELSON AND KENNARD (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Thanks, On Friday XXXX/XXXX/2016, I left my job and went to my bank XXXX XXXX XXXX XXXX XXXX and attempted to get {$20.00} for gas. I noticed that it said XXXX dollars, so I went in and talked with a teller. They could not tell me what was wrong as they reported my account was zero. They provide a number for me to call XXXX. As I contacted this number it was outside of the business hours so then I was advised by XXXX XXXX XXXX to forward this issue to the following Monday. I called on Monday with the reference code number XXXX and was informed to then call XXXX which is a company debt collection for XXXX and XXXX attorneys who claimed that they did not receive my financial report last year which is about six months ago detailing my financial output so they could put me on payment plans. They also provided their fax number XXXX by which I kid facts them another financial report as I receive their template in the mail which is approximately XXXX hours from now. I spoke with XXXX XXXX extension XXXX at XXXX. She is now handling this case and said that there will be a possible review to refund the money that they seized, but no guarantee. This has come at a loss to myself and my son as well as I feel that I was misused because I followed all of their rules to comply with signing my financial plan and mailing it to them about six months ago. It is against the law to take all funds away from the consumer so I would love your support on this matter I could be reached at XXXX sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There has been a bankruptcy on my credit report since XXXX XXXX, XXXX. The bankruptcy was dismissed. It was dismissed! I never went to court. None of my debts were XXXX because the bankruptcy was dismissed. I would like this taken off my report. It has been over 5 years it 's been on my credit report. My information was not even completed in the bankruptcy paperwork in the court. This derogatory mark on my credit should not be there.

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 02/20/2018 about Debt collection (Auto debt) with Automotive Credit Corporation (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Amount owe was XXXX but they lied about the amount owed i paid them off in the amount of XXXX and they still wont take this account off my credit report or put it in good standing i really just want it 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 explanation
Consumer complaint received 07-02-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to remove a cancelled judgment from my report. I am including a copy showing this judgment has been cancelled. Every other credit bureau has removed the judgment. Equifax however always thinks they can damage someones credit at their own free will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This XXXX account has not been updated BY XXXX in almost 10 month, rendering it orphaned, and wholly inaccurate. 
1. The Account Balance is incorrect 2. The Last Payment Date is incorrect 3. The Last Payment Amount is Incorrect 4. The Scheduled Amount is inaccurate 5. This account has a comment - which is also inaccurate, and NOT provided by the creditor. 
" Charge, Amount in H/C column is credit limit '' " High Credit = XXXX, which is NOT True. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other service problem

Complaint: I 've submitted multiple cases via Coinbase website, I was told that " they 'll follow up with me. '' I have yet to receive any information regarding my case ( s ). They disabled my account due to me verifying ID and address. I sent them my photo ID and address and I 'm still locked out of my account. I also contacted Coinbase Support via XXXX on X/X/2017 ; they replied with " A specialist will follow up with you soon. '' It 's almost impossible to get support from them. I 'm trying to remain calm and patient, but it 's frustrating when I have money in there that I ca n't manage. Coinbase is a solid app overall, but the customer support is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Citibank is calling me repeatedly and leaving voicemails. Here are the times/dates they have called me recently : XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX   XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX ( today ) - XXXX, XXXX, 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 01/31/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN).
Issue: Struggling to pay mortgage

Complaint: I entered in to a Trial modification agreement with XXXX XXXX XXXX   XX/XX/XXXX the 3 monthly payments of {$1600.00} were paid in full. My mortgage servicer changed to XXXX XXXX during the modification trial period. I spoke with XXXX XXXX XXXX  several times in regards to the property foreclosure sale since the modification agreement was with them and ask for their assistance. They refused to assist me and referred me back to Rushmore. Rushmore will not and did not honor the modification agreement and now they have a property foreclosure sale set for my home XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: In XX/XX/XXXX, I found an unauthorized charge on my Chase credit card. I contacted the vendor to find out the reason for the charge, but I did not have a reply for over a month. Therefore, I disputed the charge on my Chase Credit Card on XX/XX/XXXX in the amount of {$33.00}. Chase issued a temporary credit for the charge. On XX/XX/XXXX, the vendor sent email saying they still had not found documentation to support the charge. I again asked Chase to resolve the matter. Chase refuses to resolve the dispute, leaving the credit as temporary. The FTC regulations are clear. " The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' The rule is posted here on the FTC website. https : XXXX It has been over 145 days since I filed my dispute. I have tried calling Chase 3 times and have submitted 4 online requests that the dispute be resolved. I have spoken to both regular customer service agents and also to managers and Chase still refuses to comply with the FTC regulations. I would like you to inform Chase of the requirement to resolve the dispute within the stated time frame and send me a letter closing the dispute. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Settlement process and costs

Complaint: Went through process of refinance with CitiMortgage. At the last moment, loan officer made a big error in my monthly payment she had estimated ( more than I had expected ). I went ahead with it and paid {$450.00} for appraisal. Appraiser was VERY rude spent no more than 15 min at my home and appraised it way under the county taxed amount and was unfair appraisal. Challenged appraisal with back up and proper comps from a licensed real estate agent and appraisal still stood. Was very close on the XXXX % equity ratio so Citi jabbed me on money to bring to table and extra closing costs. Felt like bank was in bed w appraiser. Just not right. I signed closing papers but backed out of deal w/in 24 hours.

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 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is fraud and I have reported it to the company and debt collector and I have been ignored by both of them. I want my debts cleared and all my personal information kept private.

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 11/26/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Please correct date of birth and remove any items that were listed prior to my XXXX birthday

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 08/24/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification. 
I have NEVER had a student loan for ANY School. I have Repeatedly Contacted Department of EDU. And NAVIENT concerning these accounts THEY ARE NOT MINE. 
My wife Does have student loans I DO NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, 2017 my credit score dropped with transunion for no reason without explanation per XXXX XXXX. My XXXX score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits 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 explanation
Consumer complaint received 04-03-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was a victim of identity theft. Someone filed a tax return using my social security number. I went through the process of notifying and putting alerts on my credit reports. I then attempted to log into a previously established Experian account and was unable to due to the fact I could not validate an email address associated with my social security number. Not until I became an " paying '' member was I transferred to their fraud department and once there I had to answer multiply questions to validate my identity. Once my identify was established they provided me with the email address which I then told them was bogus. Someone had created an Experian account using my social security number and I 'm assuming they ran a credit report and were able to see all my information. The bogus account was established on XX/XX/XXXX. I attempted to file my tax return on XX/XX/XXXX and was informed by the IRS that a XX/XX/XXXX Tax Return had already been submitted and I 'm assuming paid out using my social security number. I was able to get Experian to put a lock on the bogus account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We received noticed that our Wells Fargo Home Equity Account, which has been closed for basically two years now by Wells Fargo, was due a credit as a result of case # XXXX. Again, that account has been closed for about two years and we have not received the funds stated in the notice. However, we have received a XXXX tax form for the amount we were supposed to receive. What Wells Fargo seemingly considers trivial money matters to people like us ; I 'm tired of having to fight this bank to get them to do what they are supposed to do. When we waited as we were asked to hear back from them on how they could " help '' us, we were informed that, because of the waiting time period, we 'd incurred more massive fees and penalties ; it seems a little unfair that, when they 've waited to pay what they owe us, we do n't have the same power.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: A previously removed account from  XXXX   XXXX   ( acc  #  XXXX  ) was removed from my Equifax report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my Equifax collection report. The collection company and Equifax are in violation of the FRCA, and this account need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Medical) with National Business Factors (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I AM XXXXYRS OLD LIVING ON SS AND GOV SUBSIDIZE HOUSING I MADE A AGREMENT WITH THE XXXX XXXX XXXX XXXX XXXX TO PAY THEM XXXX DOLLARS A MONTH BY THE XXXX OF THE MONTH UNTIL MY DEBT OF APPROX XXXX DOLLARS WAS PAID. IT IS NOW ABOUT XXXX DOL. I HAVE NEVER BEEN LATE PAYING THESE PEPEOLE, THEY ARE NOW SAYING I WAS LATE XX/XX/XXXX WHICH I WAS NOT THE CK WAS SENT ON XXXX XXXX XXXX EVEN THOUGH THEY DIDNT CASH IT TILL THE XXXX. THECO NATIOAL BUINSESS XXXX INC XXXX XXXX XXXX XXXX XXXX. NV XXXX THEY HAVE SENT ME SEVERAL THREATING LETTERS. THEY HAVE UP TO THE PRESENT HAVE CASH EVERY CK INCLUDING THIS MONTHS CHECK. I AM ASKING FOR RELIEF FROM THIS HARRASMENT. I AM PAYNG AS AGREED!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Settlement process and costs

Complaint: I was given a document from CitiMortgage stating that if I made my four consecutive mortgage trial payments I would be given my modification. This started back in XXXX 2015. During my last contact with Citi I had a representative from HOPE on the line to help me with my questions. I was given assurance that my mortgage documents were to be sent out in the next two weeks or so. Then I heard nothing for about 6 weeks. I called again and left emails and messages ( that I have copies of if needed ). Finally XXXX XXXX called back to tell me Citi forgot to set up an escrow account so XXXX XXXX refused to fund my loan. Citi actually caused my mortgage to fall behind at first in order to get the loan, but then forgot to set up the account so I then became current AGAIN. I payed exactly what I was told. XXXX informed me that because Citi set the account up incorrectly I had to start over with my trial payments. This means another four months of waiting. The final nail in the coffin is that I WAS TOLLD I MUST CONTINUE TO MAKE THESE PAYMENTS OR I WILL BE DROPPED FROM THE MOD. BUT CITI STILL HAD NO IDEA HOW THEY WOULD SHOW THAT I AM NOT CURRENT MEANING THE TRIAL PAYMENTS HAVE NO END! I was never behind on any payments but I was forced to set this entire modification up in order to get my EQUITY line modified. I am a SINGLE MOTHER AND FULL TIME XXXX WITH NO SUPPOORT. I HAVE LITERALLY SPENT HUNDREDS OF HOURS ON THE PHONE WITH CITI OVER THIS WITH NO RESOLUTION. THIS PROCESS HAS CAUSED ME EXTREEM EMOTIONAL STRESS. 
MY DESIRED RESOLUTION IS FOR CITY TO HONOR THEIR PROMISE AND COMMITMENT TO COMPLETE THE MODIFICATION PROCESS IMMEDIATLY AS PROMISSED. 
Sincerely XXXX 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 08/19/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NE).
Issue: Advertising and marketing

Complaint: USAA keeps sending me credit card offers. Originally they sent them to me. When i complained, the just changed the name on the address to one of my daughters, who does not live with me. I complained again, and told USAA to never send anything to my address. Now I am getting credit card offers from USAA addressed to my other daughter. Both my daughters are fully grown and have been out of the house for years. My address has even changed since my daughters last lived with me. USAA claims to be such a friend to the veterans, but I 'm a vet, and they are a XXXX to me. Please make them stop marketing my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Credit card () with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Balance transfer fee

Complaint: I called my bank -Union Bank XXXX ask if they do 0 % Fees and charges for 12 months on balance transfers to my new credit card and they said yes. XXXX if they had said no I would not have gotten the card nor initiated the balance transfer in the first place. ) Because they said there would be no charges I initiated a balance transfer from my XXXX visa card in the amount of {$45000.00}. The transfer completed XXXX weeks later and I discovered a 5 % balance transfer fee in the amount of {$2200.00}. They never notified me that I would be charged this nor any amount. I 'd like the balance transfer fee removed as I would not have initiated it in the first place had I been notified about it. I went through my statements and found no information on any balance transfer fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure and wrong amount owed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing 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 explanation
Consumer complaint received 10/20/2016 about Money transfers (International money transfer) with Remitly, Inc. (KS).
Issue: Money was not available when promised

Complaint: Initiated money transfer of {$10000.00} from US to XXXX through Remitly ( Transfer No : XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX account by XXXX XXXX, 2016 XXXX PDT ( XXXX XXXX, 2016 XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. 
I had my plans & commitment in XXXX. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late. I want CFPB to intervene & compensate me for the delay. Remitly has offered {$5.00} reward for the delay which doesnt make any sense considering the transfer amount. Remitly will generate more income by keeping this amount.

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 04-08-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AZ).
Issue: Money was not available when promised

Complaint: XXXX XXXX sent me money via PayPal. We both have accounts. She sent it using my cell phone which is listed on my PayPal account. I got a text message from PayPal saying click here to redeem your money. When I click I am prompted to log in. But when I log in, the money is nowhere to be seen. I have tried several times over several days to no avail. I have contacted PayPal twice via email and they do not respond, forcing me to file this complaint as my only remedy.

Company response to consumer: Closed with explanation