milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2017 about Debt collection (Medical debt) with Works & Lentz of Tulsa, Inc. (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Works & Lentz in Tulsa, OK reported on my credit report without validating any claim owed of {$75.00}. I called Works & Lentz to explain and dispute the claim. I wrote a letter officially disputing the claim and stated the various requirements in the Fair Credit Reporting Act. The letter was sent by email to the contact email address I was given by Works & Lentz over the phone. The {$75.00} was for a doctors appointment that I cancelled ahead of time. Works & Lentz sent me no proof that I owed this money for services rendered as is required by the FCRA and as I requested. The only documentation they sent me was a billing account printout from the doctors office. Works & Lentz then reported the collection account to the credit bureau and it negatively impacted my credit score. Works & Lentz has already been found in violation of fair credit practices by this agency and were cited to pay a civil penalty of over {$78000.00} and refund over {$570000.00} to claimants for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Other

Complaint: I am a long-time holder of a Chase Premier Visa Signature credit card which provides Southwest Rapid Rewards based on charges made. I work out-of-town and use the card frequently. At least once a week I pay all charges, including pending charges, online. This has worked well for years. Recently when checking my credit card account online I noticed a " credit balance refund '' in the amount of {$430.00}. I called to learn what this was and was adivsed it was a refund for a payment in advance of charges hitting my account. I explained the charges were shown on the account as pending and that this had never happened before. I was further told that the refund had been made by paper check and sent to my address of record. I asked that the check be cancelled and the refund credited to the account for which there were open charges in excess of the credit amount. I further explained I was working out of state for an extended period of time. I was told this could not be done. I then asked why the refund was not made electronically since that is how all my payments are made and was told a paper check in the mail was more secure than an electronic payment. Of course, this is not true. Again, I explained that I am working out of state and do n't know when I will next be able to get the check. I was told it is good for 90 days and can then be reissued. I asked why this change in practice had been made and was told it was a requirement of Southwest Airlines. Of course this is not true ; the card is from Chase which offers the Southwest rewards as an incentive to use their card. Having gained no saisfaction by phone, I personally visited a Chase banker in the state in which i am working. He reviewed the situation and did not understand it either. He called the Chase credit card department and was told the same incorrect information as I had been. He talked to his manager and we decided to ask that Chase reissue the check and send it to me in care of the local Chase branch. Chase Visa refused to do so. The banker and I came to the conclusion this new practice had been adopted in an effort to increase interest income on accounts. Most people would not check their account and notice the stealth refund which then becomes a balance due on the account for which interest could be charged. I never carry a balance long enough to owe interest, so this is a clever way to try and cause interest to be due. The answers that checks in the mail are more secure than electronic payments and that Southwest Airlines required this banking practice are demonstrative of the deception the bank is engaged in. i am asking the CFPB to work to change this deceptive practice by Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I canceled a vechile from mu policy with the insurance company, then they canceled my whole policy and told me it qas for non payment. The collection company has called repeatedly for this debt even though I have explained the situation. I did not receive notice of cancellation and in NJ that means I could loss my license and a fine. I have since gotten insurance with another company and tried repeatedly to get the collection company to stop calling. I have also filed a complaint with the state regarding the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have a problem with XXXX and Experian they both keep sending me the same response need more documents. I have sent them countless of these attached proof of identity to these companies and they still ignore to dispute any of my disputes. it has been over XXXX to XXXX to a year that they are ignoring my disputes. XXXX has been the worst I called someone on the phone and I asked them about the dispute of that Bankruptcy XXXX on my report. they said it has been stuck in the system for while and it has n't been disputed. So i asked them to take it off because it has been over a 5 months and they refused. Experian just sends me letters of needing more proof. 
Also they have XXXX different names addresses on my credit report that do n't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I sent a wire on Thursday XX/XX/2017 of {$3000.00} to a compay Coinbase , Inc,  located at : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX It states clearly on their website : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' Its a week later now and i havent received the money in my account. I called the comany there is always at least a 30 minute wait and they tell me they have an outage and they dont know when it will be fixed! Meanwhile my money is out of my account for a week already.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have many unauthorized ATM transactions on my checking account. I filed a dispute with Citibank. The person I was supposed to contact was never in when I called, and vice-versa. We played phone tag and then she apparently just gave up. My claim was denied because of this, over {$3000.00} of bogus charges. My days are often spent in the hospital for treatment and I 'm not usually around during normal hours. Also, I 'm XXXX and have to rely on XXXX XXXX. It 's frustrating to use. Now, the lady I was supposed to contact ca n't be the only person in all of Citibank that can help me. She could at least tell me what she needs from me so I can send it to her. I want this resolved!

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are a few marks on my credit reporting that I do not recognize.I realized that someone is using my credit without my knowledge. When i realized this, i started to do research on how to resolve identity theft. I was advised to contact the credit bureaus and to ask them to remove the fraud information that is reporting. This is exactly what i did. I contacted XXXX, XXXX and experian and asked them to please remove the fraud and unauthorized marks from my credit report. However they have not been helping me. I was told that the account and inquiries would be placed under dispute, but they never did. I was also told that the information would be removed from my credit report, but it never did. 

XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I disputed information on my report that I belie ve may not  be correct. Certified letters were sent and received by the company on  XXXX   XXXX  and  XXXX   XXXX . The company failed to mark this account as disputed within the 30 day period. They have violated the FDCPA and FCRA.

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 12-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Transaction issue

Complaint: I initiated a credit dispute with American Express on XXXX XXXX, 2016. AMEX, unilaterally allowed the merchant to reinstate the charge without properly investigating the facts. The time for resolution by AMEX/XXXX as now expired and a full credit is due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent letters to Enhanced Recovery requesting proof that the debt they are reporting on my credit reports is mine. They have failed to respond to any of them. They have also verified the trade lines when disputed with the credit reporting agencies. Verifying inaccurate information is a violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 complaint is against Equifax and  XXXX . There are liens appearing on both. The liens are  PAID. T he liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with   XXXX  . Equifax and   XXXX    should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Other

Complaint: Recently I was notified that Barclays Bank DE had placed an inquiry on my credit report with XXXX. I want this inquiry removed because I have never applied for a Barclays credit card and it was not authorized by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: hi my ss # was used without my consent i have contacted the IRS and other creditors to help me resolved this problem and they have been more than helpful.

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 08-02-2017 about Debt collection (I do not know) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am receiving repeated calls from Affiliate Asset Solutions. I have made repeated requests for them to tell me exactly why they are calling. They will not tell me the caller 's name, the reason for the call and I have also made requests for any demands to be mailed to me, yet I have received nothing in the mail. They will not tell me amounts, creditor, etc. - nothing. I have no knowledge of ANY outstanding debts, I have checked my credit report and nothing indicates any delinquent debts on my credit reports, I have not received any notices from any creditors, etc. and all of my bills for my personal and business use are current.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed debt accounts with Experian regarding accounts from XXXX XXXX  and XXXX XXXX. XXXX  is not able to verify my debt accurately and according to FCRA.

I called them on XX/XX/2018 requesting verification of debt. I was told that I would be mailed verification within two weeks ; I have yet to receive any verification. XXXX has sold my debt to a debt collector with whom I have no contract with and they refuse to accept payment of my debt. I also never received notice that my debt had been sold as well ; This violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I requested that each common verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA. Experian failed to collect the proper information as asked for above and never verified the information.

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 06-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I do not really know what to select here. I could not find a way to contact Transunion about this problem without making a phone call which I am reluctant to do because I do not want others accidentally listening to my conversation. My problem is this : I can not freeze or unfreeze my credit report with Transunion without paying for their credit monitoring service. A cost of about {$9.00} per month. I can freeze and unfreeze my credit reports with XXXX and XXXX for {$3.00} per transaction. I want to know why Transunion does not offer this service. If this is going to continue to be the case, is there any way for me to keep my credit reports from going to Transunion altogether?

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 01/18/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: Below you will see that my account was supposedly charged and overdraft fee. {$36.00} which is not what I have the problem with. If you look on top when I click to view the item it says as you can see " overdraft details unavailable ''. When I call the bank they can not tell me what was returned or paid so we play let 's guess what overdrew my account. When I call the phone number on the notice XXXX there is always a 30-40 minute wait and to be honest I have never had that call answered after putting the phone on speaker and waiting. I filed a complaint with the Banking Commission but they dumped it back into the laps of BB & T to handle so I do n't know what the purpose of the Banking Commission serves. To me this is a violation of UDAAP since the bank will not give me information I need to pay the person who had their item returned. I will get a notice in about two weeks telling me but I need that information now. This is a common practice of BB & T that has happened to me numerous times. They refuse to give real time banking on certain items.

Overdraft Details Unavailable This PDF is currently unavailable. For assistance, please callXXXX ( XXXX ). 

ndingtransaction date XX/XX/XXXX Credit BB & T BUSINESS ONLINE TRANSFER - TRANSFER FROM CHECKING - XXXXXX/XX/XXXX {$1400.00} Pendingtransaction date XX/XX/XXXX Debit BB & T BUSINESS ONLINE TRANSFER - TRANSFER TO CHECKING - XXXX XX/XX/XXXX{$1200.00} XX/XX/XXXX Debit TRANSFER TO CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} {$210.00} XX/XX/XXXX Fee RETURNED ITEM FEE ( Details View|Save ) Receive a notification if your balance is low. Manage Alerts {$36.00} XX/XX/XXXX Credit TRANSFER FROM CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} XX/XX/XXXX Debit INVOICE PAYCHEX EIB CAM PROPERTY MANAGEMEN ACH CORP DEBIT {$150.00} {$250.00}

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 01/26/2018 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: We have on and off received phone calls for {$600.00} owed on a {$18000.00} loan for a vehicle. We tried for a week when trading the car in to get it added into our new loan and the company would n't call us back or the dealership so we could n't secure financing so the deal fell through. The amount is for late fees and excess charges. The creditors are rude call sometimes 4 times in a row over and over again. I spoke with XXXX XXXX XXXX about settling and he agreed on {$450.00} we could make in 2 payments in XXXX and XXXX when he called and emailed over and over I told him that in one week we could make the first payment. He said " I 'm not doing this anymore I can take the car or garnish your tax refund ''. The car has been reported to our credit bureau as charged off already and the company is now trying to garnish our work wages as well as our income taxes. We do not know where to go for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Closed on my home in XX/XX/XXXX, U.S. Bank bought the mortgage in XX/XX/XXXX but there is still noting listed on our Credit Report, we are being denied credit because we do not show as homeowners on our credit report. Contacted U.S. Bank, where I was immediately directed to collections, even though I have NEVER been late and was told that as a courtesy they reported me to the bureaus late! What courtesy is that. I want my mortgage listed on my credit report as the law states it should within 30 days!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: I have a Bitcoin account with XXXX/Coinbase. I sold a large sum of Bitcoin recently, over {$700000.00} worth to be exact. They have a daily limit of {$10000.00} for withdrawals to a checking account. They also have a notice that if you need more, simply fill out a form. On XXXX XXXX, 2017, I submitted that form. I am in the process of purchasing a new home and the relocation company that is selling the home requires that I have the money in my checking account, as I am paying cash for it. The relocation company is getting anxious in that they believe I am trying to defraud them in some way. I 've sent XXXX/Coinbase several emails in addition to the form I submitted previously telling them that I am trying to purchase a home and that I need MY funds that are sitting in my account. They always respond with a reply stating that they are very busy and will get back to me shortly with an answer. 

I need MY money and see no reason why there is a limit to how much I can withdraw in a day. I started several days ago withdrawing {$10000.00} each day but this will take me 70 days and I 'm sure the relocation company will not wait. 

Can you help me? Like I said previously, I see no reason as to why they can not at least give me total access to MY funds.

Company response to consumer: Closed with explanation