milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I made a deposit of {$1000.00} at XXXX XXXX PST XX/XX/XXXX from my XXXX XXXX XXXX checking account. I also made a second deposit of {$1000.00} at XXXX XXXX PST XX/XX/XXXX from my XXXX XXXX XXXX checking account. I was sent an email ensuring that all my funds would arrive within 2-4 business days so that I would be able to utilize them. At the time of writing, it is XXXX PST XX/XX/XXXX and my funds have not arrived yet. 

I have tried calling the customer support of Coinbase, but they have been of no help to me. They say that " the funds will eventually arrive '' but I have plans with the money that have been postponed due to the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Payday loan () with TENET HEALTHCARE CORPORATION (TX).
Issue: Received a loan I didn't apply for

Complaint: My name is XXXX XXXX XXXX, PH. XXXX XXXX XXXX XXXXXXXXXXXXThis company is charging me {$900.00} XXXX for medical services I did never use in 2014, I asked for proof, they do n't have any : Credit ItemsCENTRAL FINANCIAL CONTROLAddress : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FREE Account Number:XXXXOriginal Creditor : XXXX XXXX XXXX HOSPITALPlease help me heal my credit, this is affecting me and my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I was affected by hurricane IRMA. Bank of America had a program where you can miss a few payments but all payments would be due in XX/XX/XXXX. We elected to miss only one payment to make repairs to our home. In recent times, we received a letter from the lender stating payment will be placed in a forbearance account and not due in XX/XX/XXXX. We are very confused. We were assigned a case manager who has not called us back or accepted any of our calls. We have tons of questions! When you call the customer service number, you are re-directed to case manager who is never available so I have to leave a message. Can you imagine trying to get answers and you can not? When I put in my account information, there is no way to go to speak to anyone else. This is super frustrating! How can an organization as big as Bank of America not have an IVR system directly the clients to correct personnel when needed? I can not believe the level of service I received from them. I have all my bank accounts with this company and I wanting to switch due to the service or lack there of from the mortgage side. I pay my bills every month but yet I can not receive any service. This is not fair! Please fine this company.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my credit

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 10/24/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Taking out the loan or lease

Complaint: Leased a 2013 Toyota Camry from Toyota/XXXX Toyota XXXX for 3 years, then purchased same vehicle. I was charged a total of {$560.00} for retitle of this vehicle, it was already titled, registered and insured XXXX, but dealership insisted that it be retitled first XXXX, then again XXXX resulting in fees totaled {$280.00}, but {$560.00} was added to my new loan. I have repeated requested a refund of the overcharge of almost {$250.00}, but still want to know if it was legitimate to insist on a whole new title and tag, or could it just have been a transfer of some sort. Toyota still maintains title to the car

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: I have been involved in a mortgage modifications with chase since XXXX since such time. They have advised me to fall behind on my mortgage to get the modification and since I completed the modification chase and signed off on the modification during XX/XX/XXXX with bringing my mortgage up to date they have failed to notify the credi burearues of this.. I have had 4 years of bs from them and want my credit re established without any issues from chase ... ... ..there is so much more. Chase has done to me I need to get rid of them ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Follow up to XXXX XXXX 's response to COMPLAINT ID XXXX : 7 accounts in varied amounts originated bXXXX XXXX XXXX  are reported on several credit reports belonging to myself. Information on these accounts have been reported erroneously according to the XXXX. This data was disputed in XX/XX/XXXXand was not removed nor changed. An Experian credit report generated in XX/XX/XXXX lists XXXX XXXX as the creditor at that time. Sometime after this report, XXXX XXXX began to appear in XXXX XXXX  place. The XXXX XXXX accounts were closed and paid in full in XX/XX/XXXX. I had never even heard of XXXX XXXX until it appeared on my credit report. After doing some research I learned how XXXX XXXX broke off from XXXX XXXX in XX/XX/XXXX. I have contacted both companies via postal mail, phone, email, disputes by XXXX, and finally by filing complaints through the Department of Education and the Consumer Financial Protection Bureau. XXXX XXXX never had the authorization to obtain my credit information or personal data. XXXX XXXX never had the authorization to give this data to XXXX XXXX. In addition, both companies continue to report the same accounts on my credit reports depending on which agency you use. XXXX XXXX response in the CFPB investigation was that the accounts were not theirs so the issue was not either. I have a lot of ink that proves otherwise. In addition, you will see that beginning in XX/XX/XXXXthe screen shots show that the accounts were 90 days late yet the month prior was current. This is also a clear discrepancy and erroneous reporting. The information can not possibly be accurate.

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 09/15/2016 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have no knowledge of this 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 explanation
Consumer complaint received 05-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Under credit inquiries both Transunion and XXXX are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.

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 05/28/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have so many medical debt and I should n't have any my insurance should have covered all medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was stolen from Equifax by hackers. The company is not helping and has violated any sort of rights or trust they might have.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage was sold to bayveiw loan servicing about 14 months ago they doubled my payment because they miscalculated my escrow I was told to fax a letter requesting an escrow analysis I did and they said 30 days later they did not receive the fax It took almost 8 months to get it straighten out They would not allow me to talk to the escrow dept. XXXX XXXX I switched checking account and faxed them letter and voided check on new account and now XXXX they again have no record of it. They tod me in the beginning I could not e-mail the info and now they tell me I can they also will take the new routing # and account # over the phone but will not stop the payment from the old account. They are making it hard for me to make payments on time and there customer service is to there advantage I 'm paying fees for there lack of customer service and also there reporting late payments to them when it is there service that is causing payments to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I claimed bankruptcy and did n't pay the loan for a year. The loan was consolidated twice and paying since XXXX. I pay every month {$300.00}. ( washich is can How can I still owe {$39000.00} and still have 135 months to pay. It is supposed to be a 20 year loan. 
This makes no sense. 
Why is this?

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have financed my automobile through Nissan Motor Finance since XXXX of XXXX. I have a 5 year loan on my vehicle. My monthly payments were made via auto pay on time every month for 3 years without incident. In XXXX of XXXX, Nissan Finance, without any warning or notification, simply stopped taking my auto payments. I received no late payment notice, and only stumbled upon the fact that the XXXX payment was not taken when the XXXX  payment came due..by this time the XXXX payment had been reported to the credit reporting agencies as 30 days past due.
According to Nissan, although I have a 5 year loan, the auto payment option stopped at the end of three years and had to be manually reinstated by me via their website at that time. I had no idea, nothing in the loan paperwork tells me this. One might have thought they might have notified me that this was the case.
I have reinstated the auto pay, and all payments continue to be made every month.
Attempts to have the late payment removed from my credit report have been futile. I feel strongly that this should not be on my credit report, as I did not " miss '' a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2017 about Credit reporting () with ProCollect, Inc (OK).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Company : ProCollect Pro-Collect purchased my account from XXXX ; however, XXXX falsely reported my account as XXXX ( XXXX ) accounts, not XXXX ( XXXX ). Original account has a closed status. 
XXXX XXXX XXXX, Customer Service Rep at ProCollect, verbally told me over the phone that the account was duplicated. ( XXXX contact information at ProCollect : XXXX phone XXXX ext. XXXX ). XXXX XXXX also told me that once I make settlement payment, the account AND duplicate would be deleted from my credit bureau records. 
XXXX account was deleted from XXXX ; however, the other XXXX major Credit Bureaus : XXXX and XXXX, still reflect an outstanding balance. 
Double reporting the same debt is in violation of my rights per the FCRA. 
I want the ProCollect items pertaining to the XXXX account deleted. This debt has been met and satisfied per the 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 01-07-2016 about Bank account or service (Other bank product/service) with Nationwide Biweekly Administration, Inc. (CA).
Issue: Deposits and withdrawals

Complaint: I enrolled with Nationwide Biweekly Administration for bi-weekly debits to pay-down my mortgage " quicker '' and save money on interest. I signed a contract that was to last the lifetime of the loan ( 30 years ) and they were to provide the service bi-weekly to pay the loan for me. I was charged {$580.00} for these services with on-going charges of $ XXXX/year. After 2 years with the program, my bank is no longer being debited and NBA is no longer paying the loan for me. They have " suspended '' all accounts and refuse to refund the enrollment costs taken for their services which they are no longer providing. There is no where in the contract that says they can temporarily not provide the services I paid a very large sum to use. 
They are not available by phone and after weeks of trying to reach someone I was told that no refunds will be issued - which is a problem for me because I am not interested in paying for services that I am not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Today I received a debt collector letter from the XXXX XXXX stated I owed to Citibank the amount of {$900.00}, I believe this type of action is fraudulent on nature between Citibank and its Debt Collector XXXX XXXX. 
I disputed the same amount {$900.00} with Citibank several years ago also I did disputed las XXXX 2016 with another Citibank 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask Citibank and Its Debt Collector XXXX XXXX to cease any collection on the amount they said I owe them. 
There is the second time CITIBANK is attempting to collect something I disputed on the past, I do n't know if At this time Citibank and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.

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 01/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Multiple instances of merchants conducting unauthorized billing against my Bank of America bank account. Reported claim to Bank of America. Have not received all claim documents in the mail. Unable to complete form online. Completed some documents via mail. Bank of America should resolve complaints and allow me to certify claims online. Their online claims certification tool is not working. Please ensure all documents that need to be completed have been sent. Undue burden of pursuing claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 about Debt collection (I do not know) with STERLING JEWELERS, INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Inaccurate amount of debt owe reporting consumer changed debt owed amount several times since account closed .That 's fraud, no contract, not liable for amount reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Medical) with AllianceOne Recievables Management (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX violated my XXXX rights by providing my actual medical information ( Person Health Information ) to a collection agency, AllianceOne ( in an attempt to collect a debt ) in which there was no previous SIGNED authorization to do so. This serious violation occurred on or around XX/XX/2017. 

In doing so, XXXX provided this information to a collection agency ( AllianceOne ) which included information not required to to collect a debt : -- " Detailed Summary '' of Patient Accounting -- Patient Number -- Medical Record Number -- Department ( i.e., Trauma, General Surgery ) -- ICD 9-CM Procedure Codes -- Pathology of Condition The information collected by the collection agency clearly was a GROSS and TORTIOUS effort to disregard my privacy and clearly violates my XXXX rights as well as FCRA and FDCPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Problems caused by my funds being low

Complaint: I have been banking with USBank for almost 20 years. I thought they were the BEST Bank. Then I noticed bank charges for things I opted OUT of, that USBank sent out. 
When I asked why items were being paid when I had opted to NOT PAY IF the funds were NOT enough to do so. I never got a satisfying answer. Plus I was charged with OD Fees ; Multiple times. 
Then we were victims of Fraudulent activity on both our Checking & Savings Accounts. USBank closed our Checking Account right away, but left our Savings Account open for 3 months longer. It was even getting Interest added to it. I had to call in & ask about what was happening with our Savings Account before they FINALLY closed it. In the meantime, both my husband & I were treated & talked DOWN to like we were beings of the lowest order. 
Then AGAIN, just a couple of days ago, 3 items were paid even though I opted out. 
I called Customer Service to found out WHY? I was told at the time it was presented the first time, WE HAD the funds available, BUT the Merchant did n't take the payment. They let the hold expire & NOW they were coming back to get the funds ; so my optingout in THIS case did n't apply so on top of the negative balance the 3 items caused, I was going to be charged 3 overdraft fees. 
A week before the overdrafts happened, we ( my husband & I ) had decided to change banks. We got tired of the treatment you had gotten over the past few months. That 's the way they treat a customer who has been loyal off & on for almost 20 years? We 're DONE! We have paid out enough in fees.

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 01/13/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, 2017 On Thursday morning XXXX XXXX, 2017 I was informed that a fraud check had been deposited to my Chase checking account. I stated that I had not deposited any check, had not given access or permission to anyone to my account. I stated the check was not mine, I had no knowledge of the transaction and that I didnt want anything to do with it and to remove it from my account. 

I was instructed to contact the Fraud Investigation Department of Chase to resolve the matter. I spent several hours on the phone with Chase letting them know I was not involved with any fraud activities. They advised that they were suspending my account. They then instucted me to log on to my account after midnight to reset the password and everything should be fine. I attempeted to do this however was not able to. First thing Friday morning, XXXX XXXX, 2017 I went into the Chase bank to resolve the matter. The Banker was not able to access my account so they called the fraud department for assistance. The advised us that my accounts ( checking, savings and new Visa card ) were all being closed and they could n't do business with me as a customer. They informed me that they would be mailing out a closing check within 7 to 10 days. No further explaination was given. 

I have filed a complaint with Consumer Federal Protection Bureau as I believe I have been treated unfaily and unjust. 
I did not have anything to do with what happened to the Chase account. It had been " hacked '' and Chase Bank is treating me as the criminal rather than the victim that I am. They have suspended all access to my accounts leaving me without access to my funds until they release them to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CRA is direct violation of Metro 2 compliance, FCRA section 609, also Michigan consumer laws.

Company response to consumer: Closed with explanation