milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the thirty day mark and has not and will not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter in a timely manner for it has cause me a great deal of pain. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Account opening, closing, or management

Complaint: in 2008 we had a stock portfolio with Bank of America and a financial advisor from the bank as the portfolio had over {$800000.00} in it. When the market was crashing I was told that a claws in the contract said if the funds drop below {$500000.00} the stocks would need to be restructured and sold. Our Adviser waited until the stocks had fell below {$250000.00} costing us over {$250000.00} dollars. I never filled a complaint because I felt I couldm't win against a big bank. But they stole {$250000.00} of our money by not calling us in time. I was fored to sell in a down market, is there anything I can do to recover what Bnak of America stole from us? 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Managing the loan or lease

Complaint: BEING XXXX BY CASH CALL ON A INSTALLMENT LOAN ... //

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a loan Personal Finance, which is owned by Mariner Finance onXX/XX/XXXX, No bank or credit Union would cash the check so I went back the next day on XX/XX/XXXX returned their check and contract, they voided loan and gave me hand receipt. I received a bill from them yesterday stating that my payment was coming due on XX/XX/XXXX7. I also checked my credit and see that they have me having an open loan with XXXX amd XXXX, which means my loan was never voided.

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 08/27/2016 about Payday loan () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Received a loan I didn't apply for

Complaint: The Bank of America is conspiring with the lenders who only tell lies in Exchange for my XXXX money ( checks ) and my XXXX XXXX money ( checks ). I never applied for a loan ( s ) of any kind.

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 03/15/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Due to a subprime loan by Countrywide/Bank of America, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. Bank of America Foreclosed on my home in XX/XX/XXXX, and no other activity occured on said account since. Bank of America reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both XXXX XXXX XXXX, and to Bank of America to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've recently contacted both credit Bureau and credit company and none were no help to me. I recently contacted equifax several times through letters, online disputes, and phone and advised them of the fraudulent inquiries that were on my profile that I did not authorize and recall doing. I know their was a fraud alert on my account that indicates anyone who runs my report needs to contact me via phone and that was not done which violates my rights as a consumer. I am really upset and tired of trying to get a hold of some one who will actually help me with these fraudulent inquiries. I have not yet heard response from neither letters and online disputes. Below are names and dates of reporting companies that pulled my report with out my authorization and that I consider fraudulent. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received an alert from XXXX that someone posted a debt on my credit report. All clear tried to conference them in to me but they stated they needed my address to verify who I was. I would not supply my address I asked them to supply the address of the person they were collecting the debt from. XXXX stated it was for XXXX a bill for {$150.00}. I do not have any accounts with XXXX. The representative was rude and would not discuss the issue with all clear and myself on the line. I told them I researched their company and there were several complaints of scam billing. Since I would not supply my address to verify they would not discuss my account. I know it was because all clear was on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Other transaction problem

Complaint: Coinbase.com has locked me out of my account and will not respond. I was locked out when I attempted to open an account with XXXX, their sister-company, which shares login credentials. After attempting to enter my Coinbase account credentials, as instructed, I was locked out of both XXXX and Coinbase accounts. 

I 'm unsure how much of my money Coinbase is currently holding as I 've not been able to check my balance. 

I initiated the following trouble tickets, neither of which has gotten any sort of response from their support department. I also spent 2.5 hours on XX/XX/XXXX on their support number ( XXXX ) where I was told that the account was locked in error and that they would escalate the issue and that it would be resolved in approximately 5 days. ( They made the same statement in an email I received from them on XX/XX/XXXX.  See email text below ... ) Existing tickets : XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX After calling in, I got the following email response from Coinbase ( date : XX/XX/XXXX ) : >  Hello, and thanks for reaching out. 
> > Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

> Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

> You will receive a notification email if were able to restore your purchasing ability. 
> Please note that while these reviews are typically completed within 4-5 business days, it can sometimes take longer depending on our current case volume. 

> For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Auto) with CCS Financial Services, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written several letters to this debt collector to validate my debt. So far, I have received no response from the debt collector in order to validate this debt to resolved it in a timely manner

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX I filed for Bankruptcy. In XXXX and XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : XXXX, XXXX and Experian. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.

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 Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Advertising and marketing

Complaint: TD bank sent an offer for a card that has XXXX cash rewards for the 1st 6 months on gas, dining, cable, phone, and utility bills and XXXX on other items. They also offered {$200.00} cash back if {$500.00} was spent in the first 3 months. 
I applied on line ( XXXX XXXX, 2016 ) for this card by going to the website on the offer and putting in the code in the letter. 
When I received my statement, I noticed I was given points instead of cash back. I called and was told that the card that I was offered discontinued on XXXX XXXX. The card they gave instead has a lot less benefits and only {$100.00} cash back after spending {$500.00} in the first 3 months. I spoke to someone on XXXX XXXX when I applied for the card and asked about the {$200.00} cash back and verified that this was correct along with the XXXX cash back on specific items for 6 months. 
Why are they allowed to send offers for cards that they are discontinuing? 
Now I have a credit card that I do not want but can not cancel because credit bureaus give bad makes for you to cancel a card. And I might have trouble applying for another card that I would like because of the credit limit they gave me. 
I think this id false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I pulled my credit report and showed a tradline from Capital One. i have never applied or had an account with Capital One I have made a complaint with Capital one before advising them i was a victim of ID theft and no account should have been opened in my name. This has been addressed but yet im still having problems

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Greetings, I have repeadley inquired as to the reason WHY my Master card ending in  XXXX  has not been removed. The account has been closed and inactive for more than 2 years. I need a response as the WHY the online profile can not delete this info.

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 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Good afternoon, I do n't know where else to turn in regards to getting my issue resolved. Dealing with their customer service reps has been a real nightmare. It seems like everyone we have dealt with has an attitude or loves hanging up on people. I have worked in customer service for almost XXXX years and I am appalled by their customer service rep 's actions. It is no wonder there are so many complaints about your company online. 

Myself and the borrower on the loan, XXXX XXXX, went through a separation and finally a divorce in XX/XX/XXXX. During that time per the divorce decree, the borrower, XXXX XXXX, was to pay off the loan or refinance in order to get my name removed. This never occurred and he defaulted on the loan. A judgment was placed in my name because of his action- XXXX. 

A couple of years went by and I pulled my credit report which reflected the judgment that was placed. I understand I am still liable for this debt since my name was still on the loan. On XX/XX/XXXX I made a call to XXXX and spoke with a XXXX ( SP ) employee number XXXX. She said we have the option of paying {$1300.00} in order to settle the debt and to remove the judgment out of my name. 
She also stated that in XXXX days the judgment would be lifted and my credit report would be updated to reflect this change. 

I passed this information on to my ex-husband and informed him to contact the number above to pay {$1300.00} in order to get this settled. 

XXXX made the call and made a payment over the phone for {$1300.00}, which cleared his account in XXXX/XXXXOnce it cleared, he constantly called to get a letter stating the debt has been settled in order to get the judgment removed. The rep he was in contact with, never provided this information. 

I thought this was all handled and the judgment was removed out of my name. Fast forward to XXXX this is still showing on my credit report. I called the number again and was told the judgment was still in my name. The rep states she saw a large payment was made, but does n't know why. I explained to her the history above and told me to have XXXX call. 

XXXX called the following days to figure out what was going on. They informed him that the judgment was never settled and its still outstanding. He again explained to the reps the history above. They informed him there was no proof in their system that payment was to settle the debt. Since that amount, {$1300.00}, was made over the phone and there is no letter from collections or your attorneys. They stated they had no proof of that amount, {$1300.00}, was to settle the debt and judgment. 

All I am asking is for someone to look into this issue. Please pull phone calls, look at notes, etc. This has been settled and has been holding up my move.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Payoff process

Complaint: I am a Citi XXXX user. On regular basis, I pay my dues and use the card for most of my transaction. For two simple reasons I use this card regularly. 1. I want to use one card, so that I can check my expenditure on regular basis. 2. cash back offer of the card. 
I paid in total XXXX ( XXXX ) last Monday ( XXXX/XXXX/16 ). 
I have a credit limit of XXXX. I had to pay some insurance bills, which is around XXXX. And earlier I had dues of XXXX. So I paid my dues as I do always & after paying, I wanted to pay my Health insurance bill and it was rejected. 
I tried to call, msg, email. But every time different answer. 
No one gives me proper solution. 
Now I received a reply where they are saying The payment of XXXX is on hold. There msg reply given below : " Our records show the hold on your payment will be removed from your account on XXXX/XXXX/2016. You should have access to these funds on XXXX/XXXX/2016. '' I would also like to add, today I have direct deposited ( Which I always do ) from my checking account XXXX. Now in all together my dues XXXX. But available balance still showing XXXX as earlier. 
They are not providing proper solution and I am stuck.

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 10/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Wells Fargo personal banking issues -- Personal check had a posting date of XXXX, bank cashed it early on XXXX - Called XXXX customer service, they told me the do not look at the date on the upper right section of the check. Then I asked why is the date on the check to start with then. They said the date was not looked at, if it was blank they would still cash it. Four things make the check legal tender : dollar written amount, numeric dollar amount, signature and date. It seem the are not looking at the date. 

In addition, the check was not made to cash, it was written to a person, fund should have not be pulled out same day. 

-- My point was check was just like cash, the money taken out of account XXXX hours after it was written NJ XXXX banking account # XXXX XXXX/XXXX/XXXX CHECK # XXXX -- {$200.00} They changed me over draft fee and hit my CC for cash on XXXX. On XXXX there was {$1900.00} in the account on XXXX. 

XXXX wound not reverse or push the transaction back to XXXX, saving me the feeds a overdraft protection. 

I am looking for remedies.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: In an attempt to reduce the number of unsolicited credit card offers I first attempted calling several of the banks including Capitol One ( directly ) and XXXX XXXX ( through the XXXX XXXX XXXX Miles Program ). I was told that I had to " opt out '' either through calling the number on the solicitation or by going on-line. 
I used the online method to opt out on XX/XX/2018 but continue to receive unsolicited offers from Capitol One, primarily, as well as XXXX and XXXX XXXX. 
When I check my credit report I notice that the banks have made numerous credit checks. I'm also concerned about the potential for fraud if someone should try to open an account under my name since there are so many of these solicitations mailed out. 

Is there any way to compel the banks to comply with my request not to send unsolicited offers for credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is still reporting a debt that was discharged in bankruptcy. Partial Account number XXXX is still reporting a balance of {$760.00}. I would like this updated to Included in Bankruptcy and balance reported {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I am trying to make a transfer from a Bitcoin 'Vault ' to a Bitcoin Wallet. The transaction is not allowed to go through, as it says there is another transaction in progress. 

The problem is that it is impossible to be any other transaction in progress. Any 'Vault ' transaction should automatically cancel after 48 hours ( as per their security rules ). The last time I made a transaction was in XX/XX/XXXX ( now XX/XX/XXXX ), hence, should be nothing currently in progress. 

I have contacted support, several times, and since XX/XX/XXXX they have stopped responding to my messages. The problem still continues ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX has placed a debt on my credit report that I DO NOT OWE. I have written to them several times and told them to return this debt to the original creditor due to insurance dispute. The insurance company is reviewing this in the meantime XXXX was put on notice about this and I am demanding that this be removed off of my credit report immediately. This is a fraudulent use of collection tactics and I am demanding that they are fined in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation