milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Vantage Sourcing, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This saga with XXXX is XXXX commonplace issue XXXX XXXX, their XXXX lawsuit for [ lying ] cheating stealing from their own customer base, does n't magically go away!!!!. XXXX Irrefutable proof } of a problem here. Before I filed a complaint with the govt. and the california XXXX. I argued, complained, confronted there sloppy blunders, they twisted [ obscured ] with weak apologies and promises to correct?! # NEVER happened?! # I do n't need to call anyone XXXX times a month and XXXX about some stupid errors, that should of never happened. NOW, XXXX is circumventing your authority, sent this deceptive bill to 3rd party. ( vantage ) I called and XXXX faxed XXXX them XXXX today ] talked to someone named XXXX XXXX plus XXXX they say the conversation is recorded. I told them I am disputing there fraud and deceit, why they have XXXX tunnel vision ]?! # They told me XXXX has me down as a excellent customer since 2008!!!! Imagine that?! # I filed a grievance with their [ billing ] and sales dept. supervisor for the deceptive sales practice from their XXXX telesales ] _again_ they failed miserably to investigate. Part of this cryptic deceit starts with their salesman [ lying XXXX to me that there [ XXXX tablet ] is {$190.00} no contract!!!! THAT was the only reason I called them in [ first ] place. SIMPLE MINDED QUESTION/ HOW MUCH FOR A LAPTOP [ RETAIL ] __NO CONTRACT____?! # Does it get any plainer than that?! # They send me some junk XXXX tablet with a arbitrary contract XXXX years. Some convenient {$170.00} early termination fee. {$75.00} restocking fee. Outrageous incompetence. I never agreed to any of this or XXXX aware ] of any hidden clauses. I sent this junk back within XXXX days, they manipulated these blunders for XXXX months with there cryptic balance billing, [ before ] I finally got credit XXXX accountability ] for it. Disgraceful!!!! NOW sent this fraud and deceit to a collection agency [ pretending ] they do n't know there is an obvious problem here. I still have [ not ] received my refund and/or credit for there forwarding XXXX cryptic ] balance billing, that I and everyone pays in [ advance ] before you get your service turned on. HOW should this manipulated deception of the facts be treated?! # XXXXbreached_ their own arbitrary contract, with XXXX willful ] fraudulent and deceptive billing practices. Failed miserably in good faith and fair dealing business practices. Customer loyalty, and satisfaction. They are required to eat these billing blunders on good standing, taking responsibility for their outrageous billing blunders!!!!!!!!!!!! I have XXXX lines with them. I cancelled with rage distrust, complete dissatisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TN).
Issue: Money was not available when promised

Complaint: XXXX XXXX, XXXX central time zone I wire transferred {$8500.00} to Coinbase Inc. at the following address and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX United States Account Number : XXXX Routing Number : XXXX Recipient Name : Coinbase, Inc Recipient Address : XXXX XXXX XXXX, # XXXX, XXXX XXXX , CA XXXX Reference Number : XXXX I have emailed them, contacted them by support, and I have now waited 8 days for what they said was going to be a " same day '' transaction. 

Any help will be greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Problems caused by my funds being low

Complaint: PNC Bank charged {$140.00} in overdraft fees, claiming XXXX transactions resulted in separate overdrafts of my account. I believe they manipulated the order of transactions in order to maximize the fees that could be charged. As the attached screenshot shows, they processed higher transactions first, which resulted in each small transaction ( each less than {$8.00} ) resulted in a separate {$36.00} overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I posted dated a check and mailed it for XXXX/XXXX/XX/XX/2015 for my mortgage payment as my mortgage company will only take online payments if all the late charges are paid at once ( also illegal ), and the check was cashed on XXXX/XXXX/XX/XX/2015 which cost me over {$70.00} in over draft fees with my bank. XXXX XXXX XXXX needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Credit card) with EXPERT GLOBAL SOLUTIONS, INC. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2008 XXXX XXXX credit card forewarded a debt balance of {$110000.00} to NCO Collections Agency, l was out of work with no way to pay this debt, that accrued from XXXX XXXX credit card company. As NCO perused collections attempts from me, they decided to forward my account to their sister law firms. As NCO Collection persue to collect this debt, the debt increased with time. For each law office they sent the debt to. 
Fees, late charges, mail handling, and any other fee they could claimthe debt to this card added up. NCO also decided to garnish my wages while l had no job, and was unable to find work? The fees kept being added, until they thought to send garnishments to more than ( XXXX ) XXXX banks throughout the entire state of Oregon. I received return receipts for each and every letter they sent. The action they took rattled my nerves, how am l suppose to work to pay them the debt now it 's adding up to amounts unknow. Each time they sent me a letter l would respond. If you check with the XXXX XXXX courts you will see how many garnishments they sent against me In their letters it said l owed the balance at the present time with accruing interest rate of 9 % annual, with no end in sight to explain or allow me to ask questions. Like where are the payments l made before NCO Collection Agency stepped in? Being unable to find work l decided to forgo trying to work this debt out, due an increase every year onto the debt of 9 %. Once attorney General XXXX created these consumer protection laws for us l 'd be crazy or sick with stress wor ring how to pay this off so it became hopeless for me and I gave up and let XXXX step in, so here l am in this complaint from at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly requested a correction to reflect I have never lived at the address of XXXX XXXX XXXX, XXXX XXXX XXXX from Equifax, which is the only agency reporting this as one of my previous addresses. They have never corrected the error over the course of several years. My credit history and score are exemplary so I suffer no consequences from the error, but Equifax just continues to fail to correct the error. I know there is another XXXX XXXX in XXXX XXXX. There was a XXXX XXXX XXXX that went to the same XXXX as me, but I am XXXX XXXX XXXX. At any rate, I have never had a residence of XXXX XXXX XXXX, XXXX, XXXX. I really wish this would be corrected. I have made several requests for correction but have never received any response to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Taking out the loan or lease

Complaint: On XX/XX/2014 I purchased a 2013 XXXX XXXX from XXXX XXXX XXXX tx they acquired financing from Santander consumer USA at an interest rate of 15.66 % approximately 2 weeks later they told me the finance company was not honoring the extended warranty cost into the financing because they wanted to keep my payment in a certain range, they called me in told me I could keep my truck, or have no vehicle unless I signed a new purchase agreement with a " higher '' interest rate charge the dealership/finance company backdated the agreement so it looked like the original agreement the new interest rate is 16.32 % on less money borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2015, my wife and I met with a Bank of America mortgage loan officer to apply for a refinance our house. We were told that would not be a problem. The following day I brought all documents requested. After placing several phone call to find out the status I called the branch 's general manager, she called the loan officer 's manager and the following day the mortgage loan officer called me XXXX XXXX XXXX ) to tell me that I was XXXX or XXXX payments late in the last 24 months. When we met with him to formalized the application that should not be a problem to obtain the refinance, he asked us if we have been late in our mortgage one month in the last 12 months, the answer was no, then a day latter he requested banks statements for the last 24 months and the he said that in our credit report shows that we were late XXXX or XXXX payments late that would be very difficult to obtain the refinance but that he has someone else who can help us. Also the mortgage officer mentioned that he met with the underwriter and now via e-mail his manager is saying that the my application has not been submitted and if I want them to do so, i need to come up with {$450.00} for the appraisal of the house. I have request in multiple occasions to be provided with a letter stating the reason ( s ) of the denied, all my documents back and a copy of the application and also a copy of our credit report and to this day I have nothing. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: i paid off my credit card on XX/XX/2016 and a payment was due XX/XX/2016 and they are saying i : m 30-60 days late.there is a XXXX balance on my card as of now.And this issue is costing me XXXX points on my credit which is false,

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX 2015 I received a phone call from the Macy 's fraud department concerning fraudulent charges on my Macy's/XXXX credit card . I told them I did not make the charges and I filled out a fraud complaint/affidavit attesting to this. Since then, they have sent me numerous bills and no follow-up on the fraud complaint. I have not paid any on it, because I was told that would be admitting liability. I have called the fraud department numerous times and they are not willing to help me. Recently, they closed my account and unbeknownst to me, my credit score pummeled. They are now in the midst having a collector contact me. I did not make these fraudulent charges and Macy 's has been aware of this ongoing problem, but were never willing to help me with it.

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 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (HI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I instructed XXXX to close a XXXX account in XXXX. They billed a membership fee on XXXX XXXX of {$95.00}. They have been notified XXXX or XXXX times by their " XXXX XXXX '' and in writing to cancel this account. They have failed to respond and are now charging interest on a " late payment ''. I have paid all proper charges and should have a XXXX  balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Citibank has, over the past 60 days, accessed my personal credit without my consent on at least three occasions, and did so after repeated promises they would stop.
Citibank 's attorney previously and repeatedly promised me that this activity would stop.
As a result of accessing my credit reports, Citibank sent me at least three offers of credit that they knew would not be honored.

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 06-06-2016 about Payday loan () with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I took a {$600.00} loan. Somehow I misinterpreted the repayment plan. I thought my finance charge would be {$210.00}. However, that is not the case. XXXX payments of {$200.00} have already been taken from my account.They are scheduled to take out {$200.00} every two weeks over the next year. I can not afford this, and was unaware. I 'm afraid that this is going to ruin my credit, as I can not afford to make these payment every two weeks, and I 've already payed back what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Equifax to dispute an unauthorized inquiry from XXXX. Equifax refused to dispute and after a complaint against XXXX, XXXX indicated they sent a letter to Equifax to remove the inquiry and it still has n't been removed. I attached the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I see in my report that an address that I have never lived and that the company XXXX has me in collections. I have never opened an account with them I have called the company and they have forwarded me to a collection agency. I keep on telling them that they charging the wronge person but they have not done anything. The address that shows up in my report as XXXX Ny. I have no clue of that address because I have never lived there nor have any clue of that place.

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 07/13/2015 about Mortgage (FHA mortgage) with KONDAUR CAPITAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I am writing this letter in regards of a recent credit check that I submitted and received. I am very concerned regarding an Adverse Account that was created by KONDAUR CAPITAL CORPORATE. This is a former mortgage loan I had in 2013. 

According to the credit check history, it shows a XXXX day past due payment for KONDUAR CAPITAL CORPORATE. I highly disagree with this information and its accuracy. I have paid on time since the loan commenced on XXXX of 2013, with the exception of the last month ( XXXX 2013 ) due to the loan was in the process of refinancing with a different mortgage company. The last payment was due on XXXX XXXX, 2013 and with a grace period to XXXX XXXX, 2013. The entire loan including the month of XXXX was ultimately paid off in full on XXXX XXXX, 2013. The pay off included a late fee of {$30.00} dollars was added to the invoice of XXXX and was also included in the payoff that was sent by the company that was refinancing my loan. 

In addition, all payments sent to KONDUAR CAPITAL CORPORATE was sent from XXXX XXXX XXXX XXXX a program that is directly enrolled to my bank account. This account has been sending the stipulated funds to KONDAUR CAPITAL CORPORATE on time. It should be noted, the original lender was XXXX and it transitioned to KONDAUR CAPITAL CORPORATE. Not sure if that had anything to do with it but according to my statements, all payments were made and received on time accept for the aforementioned month. There should be not derogatory information of a XXXX day past due from KONDAUR CAPITAL CORPORATE. The first month of XXXX of 2013 was paid on time and the last month of XXXX 2013 was paid off with the total amount of the full loan amount on XXXX XXXX, 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX my son was born at the XXXX XXXX XXXX XXXX owned by XXXX XXXX. I am an employee of XXXX XXXX and chose this facility for my wife to deliver to make sure our insurance covers everything. When our baby was born a pediatrician came in to see the baby, we were not given a disclaimer that this Pediatrician is from XXXX XXXX XXXX '' and was not covered by our insurance. It also does not make sense to have an out of network doctor at a in network hospital. We were not given the choice to choose an in network pediatrician. The lack of transparency from total pediatrician and then having the nerve to transfer the amount they think I owe is shady. I received a couple of letters from them directly and today on XXXX XXXX I received a letter from Wakefield and Associates on behalf of XXXX XXXX XXXX. Considering all the circumstances I do not think I am liable for this debt as I did not signed to receive out of network services nor did I opted for their physician. I would request them to close this account and cease all communication with 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 03-11-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon checking my credit report, I discovered that Walmart placed 3 derogatory marks on my credit report about an account that I have with them. The following was written on my credit : XX/XX/XXXX, 30 day late, XX/XX/XXXX, 60 day late and XX/XX/XXXX, 90 day late. This account has never been 30, 60 or 90 days late. The minimum payment that was due in on XX/XX/XXXX was XXXX dollars, which Walmart debited out of a XXXX XXXX account. From there, a minimum payment is due on or before the first of each month. They have been getting their monthly payment every month. I would like this derogatory marks ( s ) removed off my credit. I wrote a letter disputing this and no response was received from Walmart. On XX/XX/XXXX, I called Walmart and asked why they reported inaccurate information ... the rep told me that although I pay every month on the first, they cut their statements off on the XXXX of the month. I don't understand what the rational is. i pay every month on the due date. 

This inaccurate information on my credit report is defaming my character and preventing me from getting 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