milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX OWN credit reporting policy of older than 2 years from initial delinquency it should have been deleted.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I may be a potential victim in the Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I contacted XXXX to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

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 02-06-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I contacted Paypal Credit onXX/XX/XXXX via email to stop contacting me via telephone and to only contact me via USPS mail or email. I also sent a letter via USPS onXX/XX/XXXX requesting the same information. Paypal Credit responded to me onXX/XX/XXXX so I know they received my email however, they continue to contact me via their auto-dialer/telephone calls. Multiple calls occurring per day since XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Managers, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband and I entered a contract with the property management company called " The XXXX '' ( incorporated as XXXX ) located in XXXX, WA that concluded on XXXX/XXXX/XXXX. Per the terms of our contract, the XXXX XXXX had 14 days after the leased property was returned to them to refund our deposit and present a statement of any charges withheld or due at that point. This can be confirmed by Section XXXX of our lease agreement ( 'Non-refundable fee and security deposit ' ) : " An accounting and refund of the Security Deposit or invoice for additional charges, if applicable shall be made within fourteen ( 14 ) days after the Tenant has vacated the premises. '' The XXXX XXXX did provide a partial refund of our security deposit, as well as an invoice for {$100.00} withheld on XXXX/XXXX/XXXX, within the dates set by the terms of our agreement. At that point, we had every reason to believe our business with them was finished. However, on XXXX/XXXX/XXXX -- 24 days after the end of our lease term and when the property had been surrendered back to them -- we received an invoice for a previously unmentioned charge for 'janitorial services ' for {$220.00} that contained no other explanation. 

Knowing this charge violated the terms of our contract ( as well as Washington State Law XXXX XXXX : " Within fourteen days after the termination of the rental agreement and vacation of the premises, ... the landlord shall give a full and specific statement of the basis for retaining any of the deposit together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. " ), we did not send an official dispute via registered mail until XXXX/XXXX/XXXX, after the XXXX XXXX threatened to refer it to collections as a means of negatively impacting our credit rating for nonpayment. Since they are fully aware we have no responsibility to pay this debt, their threats denote a clear attempt at extortion. Thus we sent all our supporting documentation with our dispute notice, as well as a request that both the charges be dropped immediately and to not be contacted by the XXXX XXXX or their agents again. 

These requests were not honored though, and now we have received a collections notice dated XXXX/XXXX/XXXX from " Grimm Collections '' in XXXX, WA for a {$220.00} charge that the XXXX XXXX was never legally allowed to make in the first place. The only reason we have ever been given as to why no attempt to even inform us of a need for cleaning services until 24 days after the premises was vacated was because they 'overlooked ' it. This admits to negligence on their part, that when coupled with the tardiness of their claim, negates any legal right they may have otherwise had to charge such a fee regardless of whether it was valid from the start.

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
Consumer complaint received 06/27/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When trying to refinance my house, the lender ran a credit report that contains erroneous derogatory information. The collections company claims my information matches theirs, except for mailing address and they let me know who the party was who sent me to collections. I have had no dealings with the party, a law firm, who sent me to collections. I fear this is a case of an error, mistaken identity, or identity theft.

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 10/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I sent a XXXX Deposit to Coinbase on the XXXX XXXX of XXXX. 

They say that a XXXX Deposit will be available in your Coinbase wallet after 3-5working days. 

It still is not available. 

I have tried emailing and calling everyday and I am get no information. 

Customer services do n't appear to care and I 'm worried that I will never see my money again. 

Please help me put pressure on them. 

My account is : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer was transferred effective XXXX XXXX from XXXX ( Sterns Lending ) to XXXX. I never received notice of this transfer ; I therefore logged on to the original servicers website on XXXX XXXX and made a payment. I received an e-mail confirmation of acceptance for that payment. On XXXX XXXX, 2016 when the money had not been debited from my checking account I called to follow-up. It was at this point that I was made aware that my loan servicing was transferred as I never received the paperwork in the mail. There was NOTHING on the website notifying me of the loan transfer and I was allowed to submit a payment on XXXX XXXX, 2016, the date of the transfer. The individual I spoke to said that they would transfer my payment to the new servicer within 10 days. At this point I call the new loan servicer, XXXX, and via automated message on XXXX XXXX am notified that they do not have my loan information. I waited for more than 10 days and still no payment debited from my checking account. Additionally, the new loan service had called twice asking me why I had not made my payment for XXXX. On XXXX XXXX I again call the original mortgage servicer. On this call I am told that no, they will not be debiting my checking account for the payment even though I received a payment confirmation. Per the CFPB, the servicer should either transfer the payment to the transferee servicer for application to a borrower 's mortgage loan account, or return the payment to the person that made the payment and notify such person of the proper recipient of the payment. In my opinion neither of these actions occurred as the original servicer never once notified me that my payment was in fact not accepted ( although I received an electronic confirmation of acceptance ) and thus due to the non-acceptance needed to make my payment to the new company. Only though my own continued calling was the correct information eventually provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My deceased father 's American Express Credit Card was fraudulently used in the State of Michigan by unauthorized users ; a XXXX XXXX and XXXX XXXX. Now, XXXX XXXX XXXX is contacting the Estate of XXXX XXXX and demanding payment. 
BTW, Amex also has an incorrect address for my Dad 's account. Somewhere in XXXX, MI XXXX. My Dad lived nowhere near XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Making/receiving payments, sending money

Complaint: My wife wrote a check out of our XXXX account for {$1500.00} on XXXX/XXXX/15 and mobile deposited into our XXXX to pay off our car. On XXXX/XXXX/15, this amount came out of our XXXX account and was credited to our XXXX acct. We shredded the check after 30 days. On XXXX/XXXX/15, Georgia 's Own charged our account back {$1500.00} saying that the money was sent from XXXX to Bank of America because they have the physical check. 

We have NO accounts with Bank of America and there is no record that Bank of America has tried to send this check to XXXX and our account has still not been credited back at XXXX since XXXX debited our account {$1500.00} on XXXX/XXXX/15 ( 1 week ago ). 

We have spoke with several people at XXXX and are told that the check cleared on XXXX/XXXX/15 and they have no info that a check was presented anywhere else. I believe that money is being embezzled or stolen because there is no other check, yet my {$1500.00} is gone. I have received copies of the cleared check from XXXX and it was deposited into XXXX and has my XXXX acct # listed on the back. 

My banks and I have spoken with Bank of America and they are refusing to release information regarding this check that was sent over to one of their account. I am getting the run around because I was first said they needed to speak with XXXX and me, then XXXX and today they need written request from both banks. Both XXXX XXXX XXXX are sending written requests. This is either a clerical error or fraud and all I want is my {$1500.00}. Bank of America should be willing to confirm whether or not they have a check so that my account can be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Consumer Loan (Installment loan) with FORD MOTOR CREDIT CO. (WA).
Issue: Taking out the loan or lease

Complaint: I pulled a copy of my credit report, and discovered an accurate reporting from Ford Credit. The account number is listed as XXXX. Date opened : XX/XX/XXXX. Balanced owed : {$1200.00}. 
I contacted Ford Credit disputing the item and they sent me a form letter back stating that they did not have verification that I was not the person in question. I have also disputed this with the credit bureaus, and it comes back as verified. 
The account was opened on XX/XX/XXXX, and I was not of legal credit borrowing age until XX/XX/XXXX. My name is XXXX, and my credit report has alias names listed as " XXXX ''. Notice that the XXXX in XXXX is inaccurate, and the middle name is completely different. 
My credit report also lists my social security number as ending in XXXX, but has " social security number variations '' listed as ending in XXXX and XXXX. The ONLY social security number I have ends in XXXX. 
Not only is this a closed account listing on my credit report, but there is also a judgement listed against me for the same account through XXXX County. 

I would greatly appreciate that this company remove this information from my credit reports, as it belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On  XXXX   XXXX ,  XXXX  I entered a grocery store that had an inside  Wells Fargo Branch.  I closed my WF HSA account, Ref. #  XXXX , and received the {$18.00} remaining balance.   As of  XXXX   XXXX ,  XXXX  I do not have an insurance plan that offers an  HSA, an d would not be making any further deposits.     On  XXXX   XXXX ,  XXXX  I received an overdraft notice of {$11.00} dated  XXXX   XXXX ,  XXXX  from  XXXX . When I spoke to  XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX  stated that my account had been transferred to  XXXX  the next day or  XXXX   XXXX ,  XXXX . My first question is why would  WF t ransfer a closed account to a second bank? My second question is why did it take 7 months to let me know there was an overdraft issue?     When I take the next step to complete my complaint, the  HSA c hoice is not there to submit the problem to be addressed. Another banking shell game ... '' '' guess '' who is responsible and we 'll let them know they are in error ''.

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 02/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: mailed check on XXXX/XXXX/XXXX for {$3300.00}. was rcvd on XXXX/XXXX/XXXX. posted on XXXX/XXXX/XXXX. Ocwen split payment - {$2300.00} to Principal, {$590.00} - Interest and {$430.00} to Escrow. then Ocwen says it was n't a full payment & marked it delinquent. on XXXX/XXXX/XXXX Ocwen sends stmnt for XX/XX/XXXX, stating Amt Due is {$1000.00} ; which is {$2300.00} less than normal. is it a coincidence that it is as short almost as much as the amount Ocwen split off my prior mos pymt and put to Principal? I think NOT. I called Ocwen to find out and the lady I spoke to kept on about how I needed to send {$5.00}. send it tonight. then Ocwen marks it as incomplete and 2 mos delinquent. on XX/XX/XXXX placed the {$1000.00} into Suspended funds. on XX/XX/XXXX they canceled the transaction on XX/XX/XXXX that placed the {$1000.00} in suspended funds and placed the {$1000.00} into Suspended funds! [ no idea ]. removed the {$2300.00} from Principal and sent to suspended funds. then when the {$5.00} arrived it made a full pymt and Ocwen used it to pay my XX/XX/XXXX payment. they pocketed the {$590.00} and {$430.00} that they said paid Interest and Escrow from my original payment they rcvd on XXXX/XXXX/XXXX. then on XXXX/XXXX/XXXX they canceled the XX/XX/XXXX transaction that canceled the XX/XX/XXXX ttransaction that replaced the XX/XX/XXXX transaction, but this time Ocwen shorted the full pymt, I had made for XX/XX/XXXX, by XXXX penny from the amount normally allocated to Escrow and sent that penny as an escrow payment on that same day [ no idea ]. then on XXXX/XXXX/XXXX Ocwen cancelled the XX/XX/XXXX transaction that cancelled the XX/XX/XXXX and XX/XX/XXXX transactions that replace the XX/XX/XXXX transaction almost a year later only to put it in again on XXXX/XXXX/XXXX the same way it was entered on XX/XX/XXXX [ no idea ]

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: My credit card has been decreased  2 timeshe and the last 2 years and they did it when I have made significant paymento to decrease the ba lance. This last time they said they mailed me a notice  XXXX   XXXX . I decreased the debt by over 50 %. This in turned messed up my credit because I went from over  XXXX  to  XXXX  and now it says I only have {$100.00} left. Which makes it look bad on my credit. I understand that they can do this but it seems like entrapment. I pay all my bills on time and I 'm never late. I have never had a credit decrease and after further research I keep reading this common practice for this credit issuer.

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 08/26/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I purchased a new vehicle from XXXX XXXX XXXX XXXX, California on XXXX XXXX, 2015. The car was a 2015 XXXX XXXX XXXX and decided to do the 0 % financing and put {$5000.00} down @ XXXX mos. My credit score was over XXXX! After XXXX months of calls from Chrysler Capital financing, a " XXXX '' requesting excessive documentation, personal bank statements, " how 's the money coming in '' ( really should n't matter where 's it coming from ) other than my net worth well exceeds the value of the vehicle. With the assistance of my financial institution XXXX XXXX XXXX XXXX company could not believe what Chrysler Capital financing was putting me through and the inconsitencies with requests!! Examples : XXXX XXXX - tried calling XXXX at the number that you gave me, nothing but a busy signal. XXXX the number to make sure I had it right, still busy. 
XXXX XXXX - tried the number numerous times during the day, still busy. 
XXXX XXXX - XXXX called in and we spoke. She was looking for employment info, which I told her I could not provideXXXX XXXX - XXXX called ( acting like it was the first time we had spoken ) and requested statements. I sent her the statements per my conversation with you. 
XXXX XXXX - received a message from XXXX, again acting as though she had never contacted me before, asking the I send the statements. I resent the statements and emailed XXXX XXXX XXXX - Spoke with XXXX at XXXX XXXX dealership and sent him the statement once again. 
In closing, I could of out right purchased this vehicle cash, but choose to do the financing. Having said that, if I was treated so poorly I would of never gone through this ordeal. On Sunday, XXXX XXXX I received a call from the Finance Manager, XXXX at XXXX XXXX apologizing for how I was being treated and that the loan had finally gone through. Returning home from vacation on Friday, XXXX XXXX to find a note taped to my front door from Chrysler Capital - " Urgent Notification - Account Default '' Really completely blown away!! XXXX weeks after getting a call from XXXX ... now my thoughts are what the XXXX is going on?? Called Chrysler Capital on Monday, XXXX XXXX and spoke to a XXXX, Manager in Servicing and I immediately asked her where is the statements, coupons reflecting what 's owed. She could not give me an answer and said that NO documentation had been sent to me even when I explained that the loan had been finally funded. Lack of complete communication ... I did n't know what to think other than, a real poor way of handling customer 's and NO XXXX people know what the XXXX is going on!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All the credit agencies reported a disputed phone bill with XXXX XXXX XXXX as current even though it was from 1998. This caused my credit score to fall from XXXX to XXXX and prevented me from leasing a car at a price I could afford. The collection agency for XXXX XXXX XXXX called XXXX did this to force me to pay this old bill that was a billing error. They should not be allowed to falsify information and the credit reporting agencies should be responsible for making sure information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Managing, opening, or closing account

Complaint: I filed a dispute with American express serve prepaid. after not receiving the provisional credit that was promised of the unauthorized charge of {$600.00}, with 10 days, I called their customer service. The rep told me that she would email a supervisor do that the credit could be issued. 3 days later, I went to withdraw funds and was unsuccessful. I called CS and they states that I violated terms and condition and my account was now closed. The dispute was declined which caused the account to be shut down. I received correspondance via email that I had a right as a consumer to know why my dispute was declined. CS told me that it was internal info and they could n't tell me anything. I contacted the merchant and they advised that they were never contacted in regards to my dispute. I also have a police report to support the claim of {$600.00} that I initially filed. They NEVER investigated my claim. They simply XXXX my account down. They told me not to worry and I would be recieving the rest of my money via usps 7-10 days. It is now day 13 business days and I have n't received my XXXX that was in the account. This is a major inconvenience and definitely a scam. If you file a claim over {$400.00}, they will not send you a replacement card and they will not investigate the claim.

Company response to consumer: Closed with explanation