milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with FLAGSTAR BANK, FSB (ME).
Issue: Account opening, closing, or management

Complaint: On or about XXXX XXXX, 2016, I logged into my Flagstar Bank checking account online. I searched for a way to transfer funds from my Flagstar line of credit to my Flagstar checking account. ( This would have been a draw on my credit line. ) I was unable to find any way to do this online, so I contacted the bank by phone to request a transfer. I was told that I could only draw on my line by writing checks. When I asked why I could not transfer funds into my checking account, I was told that my checking account had been closed and that I would have to open a new checking account in order to access my line of credit. To open the new checking account, I was required to make a {$50.00} deposit from funds outside of Flagstar Bank. On or about XXXX XXXX, 2016, I learned of a third Flagstar Bank checking account in my name, predating the newly established checking account. I contacted Flagstar about this account and spoke with a different representative of the bank. I was told that the third account had been specially established at the same time as the credit line for the express purpose of drawing on the line. This bank representative had no explanation when questioned as to the earlier requirement that I open a whole new checking account. This made me think of the way that XXXX XXXX employees would trick customers into opening unnecessary new accounts. I recently received my first statement for the new checking account, for the period ended XXXX XXXX, 2016. The statement included a {$2.00} " paper statement '' fee. In opening the account, I was never informed of this fee. I believe this to be a deceptive practice, therefore I have contacted the CFPB.

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 monetary relief
Consumer complaint received 10/24/2015 about Debt collection (Medical) with GLA Collection Company, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the collection agency is GLA collections, i was contact by GLA collection agency about a medical debt what i owed the XXXX hospital, when i called the hospital i was told that i do n't owed them anything.i do remember that i went to a hospital and the bill was paid by a XXXX because i was unemployed and i was gave a form to file out for the debt to be taking care off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: My account was over-drafted to - {$13.00} on XXXX XXXX. Around XXXX on XXXX XXXX I accepted what is supposed to be an " instant '' quick-pay from another chase account for {$30.00}. So my balance showed it was positive at that point, and I was relying on the small amount of money I had to pay for food and laundry this weekend. Then in the morning I check my account and saw it was - {$17.00} since Chase had charged me {$34.00}. Now I can not wash my clothes or eat for 2 days. I am a college student and this is absolutely devastating to my financial situation. {$34.00} might not seem like a lot of money to Chase but to me it made a huge difference. When I called them they were not understanding and told me there was nothing they could do. {$34.00} is over three times as much as it was over-drafted by.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i was never on this account or responsible for such-please remove from my file CRA refusesAccount nameXXXX XXXX XXXX MI XXXX*XXXX*XXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balanceNot reportedStatusTransferred, closed. 

Date openedXX/XX/XXXX/2007 Details Not mine or No knowledge of account Additional information not mine i am was never on this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I received my online statement due on  XXXX . My statement separates my purchases because I have a promotional offer. On my  XXXX  statement I had made purchase that were open to regular interest rates and  one sp ecial promo that is under contract for a special interest rate throu gh 2020. I  made a large payment on  XXXX  to pay this statement.     I received my next statement due on  XXXX  and it revealed that they had used my previous payment to pay off a new transfer made on  XXXX , which is after my statement close. When I contacted them regarding this they told me that 0 % aprs are paid first then higher apr. I do not recall this ever being the case but I said fine but how can you pay off something that has not been on my statement yet. I specifically planned my payment to basically pay off my purchases since I did a new transfer for the  XXXX  statement. It seems they did this since I was avoiding higher interest rates and they wanted me to owe more in interest rates. I really need someone to review this. I have copies of all my communications with them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Bankruptcy, discharged in XX/XX/2008, not being removed from TransUnion ( TU ) report. Informed TU, via website, of error and initiated request for info to be updated. TU shows no indication they have received my request nor have they removed the item from my report. 

Tried to mine TU website for more data, but only get pages with " Cancel '' or " Exit. '' Tried to contact TU via phone, but after 30+ minutes on hold, on a cell phone, gave up.

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 08/19/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other fee

Complaint: Best Buy/Citibank has been charging me debt protection fees without my authorization. I just found out recently the total is {$1000.00}. In addition, I believe those fees have prevented me from paying off promotional purchases before the expiration date cost me at least {$500.00} more in back charged interest. I have disputed this, but have not heard anything except they would cancel the service.

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 monetary relief
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Agency is not licensed to collect in the state of NC. I would like the services removed off credit report with all 3 credit bureaus. 

Amounts : {$2800.00} {$2800.00} {$2000.00} {$380.00} {$610.00} {$230.00} {$210.00} {$50.00} the agency is not licensed to collect in NC. Agency has filed items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: macys sent you and all XXXX credit reporting agencies a letter equifax has stated they verified all info and has put back 60 and 90 day late pays -- - you have the letter from XXXX saying they instructed the credit agencies to remove the delinquent payment history equifax has not done thishave written them sent them a copy of letter from macys but i guess there stupid people inclosed XXXX letter and credit report saying 60 and 90 day lates

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TRANSUNION STATES INQUIRIES ARE FACTUAL DATA AND CAN NOT BE DISPUTED. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP

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 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: I have been locked out of my Coinbase account for over 5 weeks now which holds on this day XX/XX/XXXX the equivalent of {$5600.00} worth of Ethereum coins/tokens. That is a lot of money I ca n't access.

The issue first occurred on XX/XX/XXXX when I tried to sign into my account. I received the following error : ''Invalid email or password. Try clicking 'Forgot Password ' if you 're having trouble signing in. '' Now straight away I thought this was very odd as I use a password manager to enter my details. I tried to login a few times more but the same error kept appearing. I eventually requested a password change. Coinbase sent me an email to reset my password which worked with no issues. However, no matter how many times I changed my password the same error still popped up. The email is 100 % the email associated with the account and obviously the password is correct so it is not a fault at my end. I can login to my account via the Coinbase APP but ca n't access my wallets/accounts. Again, I receive an error message. I have tried signing in from another device and different browsers to no avail. I have even asked my friend to try and login for me from his computer. Nothing works. 

Now when I attempt to login I 'm receiving the error message in the title : Sorry, account temporarily disabled. Please contact support.I have contacted support by email and created a ticket ( Case # XXXX ). 

I have also sent them a direct message on XXXX, my only response was via email which seemed to be an automated response which stated ''Due to increased volume it may take several days to receive a response. '' For me this is completely unacceptable customer service. Not being able to access that amount of money particularly over the festive period has caused me a great amount of stress. 

Any help/advice on this matter would be greatly appreciated.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hi my name is XXXX XXXX XXXX I own my own business and have struggled in life to make things right to have a better life, but when I tried to correct my issues regarding repairing my credit notice so much inaccuracy on my credit report that has to be removed. and notice that on the XXXX report I have XXXX Hard Inquiries and on XXXX XXXX hard inquiries that have to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I had set up my mortgage on auto-pay as I knew work and the holidays would be crazy. However, it slipped my mind. So when the XX/XX/XXXX bill came in, I paid it online. There was no notation on the bill, or warning on the home or payment page that our loan was on auto-pay. This seems very irresponsible of a company to not warn customers a payment has already been made and a warning of overpaying, especially when it is a significant amount - it is misleading and an incorrect representation of the account. Our auto loan and credit cards companies provide the notifications, so how are they not held to the same standard?

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company is a collection company working for  XXXX   XXXX . There have been several other companies hired by  XXXX   XXXX  and I have had to go through this.  XXXX   XXXX  hired an independent  contractor  to install a  XXXX   XXXX  system in my residence   in 2012. The representative vandalized my h
ouse. He placed the dish on the roof of which he damaged and was instructed not to. He did a horrible job of stapling cable across my house, of which he was instructed not to do. He made 3 holes through the exterior of my house instead of using the exist  ing one. He threw my storm door open in the wind, of which ripped it off.
I have been through this numerous times with different collection companies. I do not ow  e them anything because this was never made right with me. I do not owe this company to vandalize my residence.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Multiple times, I have written to Experian to delete accounts that I am no longer an authorized user on. As of today, I got another alert back from Experian saying that the account remains. Yet, in their system, these accounts are coded as " Authorized User '' " Terminated ''. These accounts are not my responsibility and, furthermore I am not listed on these accounts anymore. The companies tell me that since I am/was not the account owner they can not talk 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 09/19/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company continues to play games and has not provided me with the documentation I requested. I am attaching a copy of the fax of the communication history with Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A business debt of my husband XXXX at Wells Fargo was overdue and because of no contact from XXXX, Wells emptied my bank account and took XXXX. I called the Wells contact in their collections dept ( XXXX ) and she needed to talk to my husband and get permission to discuss adjudicating this account with me which was done. I told XXXX my rent check was going to bounce, I had XXXX kids under XXXX yo and I 'm XXXX. I offered XXXX/Month payment until I could pay more ( debt was XXXX ) and offered tax returns/paycheck stubs/income verification and XXXX refused anything less than $ XXXX/month. We paid off a larger ( $ XXXX in cash and in full XXXX years ago with XXXX! ), however, I started a small business in XXXX and have grown my family. My rent check bounced and added more money and less than a week after my conversation with XXXX from Wells they took another {$3100.00} ( which was to cover my rent ) and when I spoke to XXXX she said it was because she called my husband and he did n't call back ( her reason for taking the original {$2100.00} was due to no contact from my husband ), but I said I am the contact person I 've been trying to work with you. Is that the loophole You call the wrong person and no contact means take all our money I said I wanted to record our call and she refused to talk to me any further even when I said I would not record it she said she did n't believe me and would not/could no tell me legally how they could take over XXXX % of total debt due from a family of XXXX ( XXXX ) who made $ XXXX XX/XX/XXXX? Wells refused to work with us!

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 02-10-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On Monday XX/XX/2018 XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from XXXX XXXX at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Using a debit or ATM card

Complaint: I lost my Wells Fargo debit card, thought I had misplaced it. I logged on today and saw deposits being made into my account from XXXX ( I live in XXXX ). I immediately stopped into my local branch to freeze the card & inform them of the ATM deposits I saw online. Well, guess what? They advised me my account would be closed on XXXX XXXX and after their investigation I can recoup any funds left in my account! I am a XXXX Veteran and victim here! I told Wells Fargo I lost my card and was the one that brought the out-of-state activity to their attention! My local banker tried to rally for me but the person on the other line ( corporate? ) would not budge, even when he pleaded that they were about to make a XXXX homeless! I am sick to my stomach because my VA XXXX posts tomorrow and I have to pay my rent, electric, phone bill, insurance, car note, etc. but Wells Fargo does not care! They advertise how " Veteran Friendly '' they are but we all know how the big banks do nothing but look out for themselves and destroy the lives of thousands of their customers that put their trust in them to do the right thing. I argued with family & friends that I should give Wells Fargo my business ... I should have heeded their objections.

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 02/27/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (WY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full with original debtor. After it was understood by all parties that the debt was clear I continued to receive letters to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I financed the purchase of   XXXX    XXXX  through CARECREDIT / SYNCHRONY BANK for {$2100.00}. Apparently, when I enrolled in autopay, I selected the option to have the Statement Balance deducted instead of the Minimum Payment Due. I discovered the issue when my checking account was overdrawn. I reported the issue to CARECREDIT / SYNCHRONY BANK in an  18 minute 3-second phone call  on  XXXX   XXXX ,  2017. Thre  e  weeks after reporting the issue I have not received a refund. I called two more times and filed a written complaint to   XXXX   XXXX   XXXX  .     I was originally told it would ta ke 8-15 da ys to process a refund. Most recently I was told the check had been mailed and that I could report it as missing and they would process the refund again after they verified the check had not been cashed. In other words, the process would begin again. It is inconceivable to me that a financial services company would send a check for more than {$2000.00} without any tracking.     In short, CARECREDIT / SYNCHRONY BANK has been inordinately slow, irresponsible and negligent in processing a refund. In the meantime, I am paying interest for {$2100.00} overdraft protection through my bank. I would greatly appreciate it if you could persuade CARECREDIT / SYNCHRONY BANK to expedite the refund process and send the check with overnight delivery and tracking.

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