milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Payday loan, title loan, or personal loan (Installment loan) with Ditech Financial LLC (AL).
Issue: Problem with additional add-on products or services

Complaint: I contacted Ditech on XXXX regarding my account statement from XX/XX/XXXX, it shows Fire Insurance Coverage. Unfortunately, I tried to email customer service but the representative gave me an invalid email address..I never requested/authorized for fire insurance service. I have a personal loan for this account. In the past, Ditech reported this account as a mortgage loan. I did dispute with credit bureaus. I would an investigation for this issue. 
1 ) Was I charged for this service? If so, how much was the monthly fee? 
2 ) If so, when did service begin and end? Did it begin in XXXX after XXXX transfer? 

3 ) How could this error occur?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I submitted a complaint to CFPB in XXXX XXXX against debt collector LVNV Funding LLC concerning a debt I deny owing them and after requesting in writing that they stop all communications about this matter, they have contacted me yet again on XXXX/XXXX/XXXX regarding this debt. This Debt is past the statue of limitation, which they acknowledge in their most recent letter, yet they continue to ignore my written request to stop all written and verbal communications. 

I would like the harassment to stop and I am asking your office to contact them and put an end to this situation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Billing disputes

Complaint: I purchased furniture from XXXX XXXX and I received about {$3500.00} in defective items. I made numerous phone calls and sent numerous e-mails to the merchant, but I received no response from XXXX XXXX. I purchased the goods with my Wells Fargo Financial National Bank XXXX XXXX credit card # : XXXX. I am dissatisfied with the goods I received from XXXX XXXX and I have tried in good faith to correct the problem with the merchant. I may have the right not to pay the remaining amount due on the purchase. I am disputing the following charges : {$2800.00} and {$760.00} on my credit card account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These companies used the shot gun approach on my credit report with consenting me its damaging to my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Payoff process

Complaint: I was contacting one of my credit card companies to make a payment. They go by XXXX different names ; XXXX, CARCARE ONE and SYNCBI. I was offered this card when I took my car to a mechanic. This was over a year ago. 
I have made all my payments and now would like to pay the rest of the balance off, or at least the majority of it since their interest rate is 29.99 %, after a six month grace period on interest for purchases. 
I called them to make the payment using a much lower rate credit card and they informed me, they allow payments from checking accounts only. I find it hard to believe that this is legal. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Verify inaccuracies on account or delete account from report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: experian, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate 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 non-monetary relief
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I initiated a {$3000.00} withdrawal ( bitcoin to USD ) from Coinbase to my XXXX XXXX account. This was marked " COMPLETED '' on XXXX XXXX, XXXX at XXXX. The estimated arrival time to my XXXX account was XXXX XXXX. 

Reference code : XXXX After XXXX XXXX, I checked my account every day and I have been in contact with XXXX who says no funds have been sent. 

On XXXX XXXX, I filed a Support Ticket with Coinbase ; it is Case ID : XXXX. I received an automated response explaining why my ACH withdrawal may be in " Pending '' status - however, my withdrawal was marked " COMPLETED '' since XXXX XXXX. I followed up with two e-mails and tried to get a hold of their support group - nothing. 

It is now XXXX XXXX ( 2 weeks ) and there is no trace of my money ( it has been gone from Coinbase since XXXX and never arrived to XXXX ) nor any communication from Coinbase 's support group. 

I would consider this complaint resolved the moment Coinbase actually executes my {$3000.00} withdrawal ( after fees ) and sends it to XXXX. 

Any help is much appreciated - thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX, I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to reduce my monthly mortgage payment. During a trial period of XXXX  months, I made a new payment amount of {$760.00} as stipulated. It was less than my regular monthly payment of {$1300.00}, and I later found that my credit report reflected as 60 days delinquent. 

Since I had complied with the XXXX terms, I disputed my credit record with XXXX in XXXX, XXXX, and the determination was that Wells Fargo had reported my account status correctly. In XXXX, XXXX, I disputed my delinquent credit history again, this time with XXXX and directly with Wells Fargo. Both determined that my credit history was accurate. 

In XXXX, XXXX, I received a letter from Wells Fargo stating that my account had been incorrectly reported as delinquent to the credit reporting agencies during the XXXX trial period. I filed a complaint with Wells Fargo to ask what remedy there would be for this XXXXyear-old error. Delinquencies remain on a credit history for XXXX years ; correcting the error with the credit reporting agencies at this point does nothing to repair the damage already done. In fact, the timing of Wells Fargo admitting their error only after the delinquency period had passed is suspect. 

In XXXX, XXXX, Wells Fargo declined my request for financial compensation or any remedy other than notifying consumer reporting agencies of their 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 07-12-2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 


There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I applied for credit and found out that there is a collection on my credit report i called the company AllianceOne Receivables Management Inc. the girl on the phone looked up the account it was for a ticket in XXXX Wa. she said all I have to do is pay the {$130.00} so I gave her my debt card number and payed it, she the said it would be reported to XXXX XXXX as soon as the payment cleared and should reflect on my credit report in 15 days this was on XXXX/XXXX/15,, on XXXX/XXXX/15 i checked the credit report to find that AllianceOne had reported to XXXX XXXX that the debt is now {$240.00} I filed a complaint with XXXX XXXX about then taking my money and now reporting it correctly, and they said AllianceOne had no recored of my making a payment and closed the report, on XXXX/XXXX/15 I got a letter from AllianceOne asking for proof of payment so i sent it to them, then a week later I called and they told me never got it so today I went down to there local office and told the girl at the counter I was having a problem with a payment she looked it up on her computer and tells me that there is no record of this payment with my bank statement showing I made the payment in her hand says I will get the supervisor to look at it,, a hour hand a half later this woman come out and tells me that the payment went to the wrong account and makes it out that it my fault they credited the wrong account and stared giving me a hard time telling me that they will get round to it and someone will call me when they figure it out?,, all 3 of the costumer services reps at the counter were very rude and were laughing and making jokes that I was stupid if i thought they cared if my account got looked, at so i snapped 2 pics to document i was there so they ca n't say we have no record of it, ,then a few hours later i get a call that i caused a a disturbance in there office and not to come back or they will call the police, the building security camera will show i did not make a scene as he stated on the phone that i did

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing fraudulent information on my credit report. I have sent in information requested such as police report, id and social security number. Not all of the information has been removed and i dont know what else to do. It is fraudulent inquiries as well as accounts from companies, XXXXl XXXX and my personal credit union. I have been working with a special department at experian that us supposed to be handling the situation but is not doing a good job.

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 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: HI, The problem seems to be the fact that the reports do not show credit reports showing all payments have been made on time, there have been no late payments missed or late for as long as I can remember. 
There was reporting of my lease payments made every month for for the time i have lived here, for some reason that reporting stopped?, I have never been late or missed a payment ever, but the non reporting seems to have affected my score, in the credit report it shows that there were a few missed payments when i purchased my car, this is incorrect, I purchased the car in XXXX 2002 ( new ) car was paid in full in 5yrs, not one payment was missed or late. 
The other accounts in my credit life such as XXXX account, phone bills, all the normal everyday bills that do not get reported i have never missed or been late, but this system does not take any of that into consideration when reporting my score. 
I have taken pride in paying my debts on time, there have been no derogatory reports, no negative anything, but yet the transunion report, and the others continue to show a few missed payments in the car purchase, account is paid in full and closed years ago, no reporting on on time lease payments going on 4 years now, never late, never missed a payment, this reporting just suddenly stopped for some unknown reason. 
I guess you can see i am a bit upset with this reporting system, the errors that are there, have tried to get them corrected by contacting the reporting agency 's, the fact that my banking and savings accounts are above average, because i closed a credit card account because i was not using it, my score went down, and it seems the only way to get it back to where it was is to get another credit card and go into debt, just does not make any sense to me!. 
Thank you for the opportunity to lay this out, really would not have to go through all of this if there was a accurate and efficient way of reporting errors that need to be corrected. 

Sincerely, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC collections (  XXXX  ) has been calling me multiple times a day for months. If I answer it goes to an automated system that tells me to press numbers for making a payment, removing my number from the list, or speaking to a representative. Not once does it state what the debt is or who they are trying to contact.     For a while, I would select the option to remove my number from the list, but they would continue to call. I few times I decided to speak to a representative. Each time they would tell me that they do n't see my name or phone number   in their system. They would tell me they do n't know why I 'm getting called and would say they ca n't remove me from the list because I 'm not on one.
The calls continued. I got so frustrated by them that I changed my phone number yesterday. Today, less than 24 hours later, ERC managed to call me on my brand new number.
This has to be illegal. I 'm at my   wits end and I need these calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried repeatedly to submit my mortgage payment for electronic funds transfer ( EFT ) to PNC Mortgage. I had done so with the prior bank servicing my mortgage and had no problems accomplishing this. Unlike the prior bank, which allowed you to enroll for EFT online, PNC insisted that you complete the request through paper work. PNC then twice either negligently or intentionally delayed the EFT payment, assessed me late charges as a result of their delayed payments, and initially refused to waive the late payment. This is true even though they had access to my bank account ( as reflected by my bank account records ) and express instructions to make the EFT payment. 
In my history of home ownership, I have never once previously missed a mortgage payment or been assessed a late payment penalty. I believe PNC is acting in bad faith and seeking to impose and collect unnecessary late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (UT).
Issue: Making/receiving payments, sending money

Complaint: There are two components to the bank fraud that I discovered this morning. 
1 ) Wells Fargo changed my corporate bank account number without advising me. 
2 ) A customer attempted to send me an electronic payment last Friday via ACH. I never received the payment. After contacting Wells Fargo, they explained that my bank account changed. I then attempted to determine when this changed by looking at the previous bank statements. When I pulled my XXXX XX/XX/2015 bank statement from their online banking system the statement reflected the NEW account number. I then pulled a copy of my XXXX XX/XX/2015 statement from my local drive which I had downloaded back in XXXX. The XXXX statements ARE DIFFERENT. Meaning, that the Wells Fargo Online Banking system is displaying incorrect banking information to their consumers ( i.e. fraud ). It is not clear because no one has investigated this whether this is the result of fraud, weak internal controls in their IT process or some other reason. No consumer should assume that the information they are receiving from Wells Fargo is credible or accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX Advantage miles promotion. Promotion code : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. I still have not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank you,

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just filed a complaint and Im highly unsatisfied. Transunion removed inquiries and placed them back on my file without notifying me and this is against the law. I expect them to be removed. Now since I previously filed my complaint I will not list the inquiries again. They need to do their due diligence and remove them or I will file a complaint with the attorney general

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 02-03-2016 about Debt collection (Credit card) with Phillips & Cohen Associates, Ltd. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Philips & Cohen contacted a family friend who is elderly ( XXXX yrs old ), recently lost her husband and is not linked to the debt in any way. They obtained her information via my credit file because her information is linked to me as a co-signer on a personal loan through a local bank that does not have anything to do with the credit card debt through XXXX that they are attempting to collect. I never supplied this person 's name as a contact or gave anyone permission to contact anyone on behalf of my debt. They called twice, the XXXX time when she answered the automated system asked if she were me and she pressed the key to indicate that it was n't me. The next day a live representative called her and stated that she was calling from Phillips & Cohen, she indicated that I do not live there and she does not want to receive any calls from their company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief