milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Consumer Loan (Installment loan) with IMPERIAL CREDIT SYSTEMS, INC. (CA).
Issue: Managing the loan or lease

Complaint: I was dealing with Imperial Credit for my monthly payments on my motorcycle. I was never sent the title to my vehicle when the loan was paid in full. My motorcycle was involved in an accident and was totaled. My insurance company can not pay me for the motorcycle until I give them the title. I have made numerous attempts to contact the owner of the company and he will not respond to my emails. The voice mail has been removed from his cell phone. I now have a check made payable to my husband, my son and Imperial Credit for my motorcycle that I can not cash. I have sent a certified letter demanding a response.

Company response to consumer: Untimely response
Consumer complaint received 03-01-2017 about Debt collection (I do not know) with ERC (NY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have no idea what ERC is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, XXXX I made ACH money transfer from XXXX to my checking bank account, and payout was estimated to take place on XXXX XXXX, XXXX. Although Transfer status in XXXX showing ( Complete ), I have not received anything yet!. I tired to contacted customer support multiple times through ticket opening but have not received any response!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Credit Bureau failed to comply with my FCRA section 609 ( a ) ( 1 ) request by not providing the requested information. I sent a letter clearly outlining my request with appropriate proof of identification and payment for consumer disclosure ( please see attached ).

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 01/28/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 ( approximately XXXX ) my daughter and I pulled up the the drive up ATM machine to make a deposit. Upon driving up to the machine I found {$340.00} ( {$360.00} ) still sticking out of the machine from the previous customer. I took the money into the branch ( XXXX XXXX XXXX XXXX MN ) and asked for the manager ... who was n't available. There was long lines for all the tellers so I flagged down a lady walking behind the counter and told her that I found this money in the drive thru. She took it and walked right away and did n't ask for any of my information or where it was found. Two days later I called the branch and asked for the manager and again she was n't available. I asked the lady on the phone if she knew if anybody had claimed the money yet and she said no. A week later I called again and actually spoke to the manager and she stated to me that nobody still had claimed the money. I asked how much time has to pass before my daughter and I get the money back. She stated that we do not get the money and that it actually goes into a dormant account. I expressed concern that they did n't even ask me for any information regarding my transaction to locate the person before me. She stated that even though the machine is a Wells Fargo machine that it is run by a separate company that they do not have access to. She stated that the individuals would actually have to file a claim for the money through their bank, because anybody can use the Wells Fargo machine, and they would be reimbursed that way. When I explained to her that I did n't give the money to the bank and that if the lady who initially took the money had explained anything to me regarding the process that I would never have given her the money and that the entire process was handled very unprofessionally when I went into the bank. I NEVER GAVE THE MONEY FOR THE BANK TO KEEP and would like it returned as if I was originally told the process for the customer to file a claim to refund their money. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: NCB Management Services , Inc. sent me a legal document stating that I am being sued. I have no signed contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: ALL XXXX AGENCIES GIVING ME THE RUN AROUND SO THAT ILL EITHER PAY FOR MY FREE REPORT OR USE THE POSTAL SERVICE SO THAT I MAY NOT PROCEED WITH MY DISPUTES ON MY REPORTS..XXXX ARE SAYING I HAVE ALREADY RECEIVED MY FREE REPORT WHILE ANOTHER ASKS SECURITY QUESTIONS THAT ARENT CORRECT AND WHEN I ANSWER " NONE OF THE ABOVE '' IT SAYS TO MAIL IN ALL TYPES OF VERIFIABLE ID..IN HOPES I WONT PERSUE IT..

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, XXXX and Transunion ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for 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 02/17/2017 about Debt collection (I do not know) with Ray Klein, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Garnished for {$2200.00} but no record of any account with that amount due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NORTHLAND GROUP INC (AP).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Scam collections attempt. Shady business practices targeting the ignorant. 
Received a debt collection from Northland for Creditor XXXX XXXX XXXX Northland Reference # XXXX Creditor XXXX Creditor Account # XXXX Account Balance {$25.00} Dated XXXX XXXX, 2015 Northland Group XXXX Inc member of XXXX XXXX XXXX XXXX, NJ XXXX This is the first notice from this debt collector. The amount owed is supposedly {$25.00}. The notice states that it is for a returned check. 

I immediately called XXXX to verify this nonsense. XXXX the initial account rep and his supervisor XXXX ( XXXX case # XXXX ) verified I have never had any debt, late payment and/or any returned amounts. I have also verified this with my bank searching as far back as 1 year of bank statements. Additionally, this letter was dated XXXX XXXX, 2015 but indicates absolutely no specific date of occurrence or even suggests a date range. 

I find it shady also, that the pre-determined address selections in XXXX complaint process for Northland Group : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN Main Billing Complaint Mailing are not even related to what is on the actual mail I received. 

Another fly-by-night scam operation targeting the ignorant. 

Seems as though the XXXX Personally Identifiable Information ( PII ) leak has lead these XXXX collections scam artists to attempt and collect from those not so wise to their games. 

Northland had replied to a XXXX compliant ( XXXX Case No. : XXXX ) I filed, stating the exact date, time, items and amount of purchase being that of {$36.00} on XXXX XXXX, 2015 at XXXX. However, this transaction does not take place on my bank account on the specified date but on XXXX/XXXX/2015 and it does not reflect an issue of payment. XXXX also has confirmed that this was not a failed ability to pay. This leads to one fact, if I had not called and verified with XXXX, checked my bank account, or filed a complaint with XXXX, Northland would have gladly took my money and more. 
Bottom line, somehow Northland is collecting false data from various vendors, or XXXX is leaking information to collections on false pretenses. Either way, if I had paid Northland like so many others had, I can only imagine how many false collections have lined the pockets of these scam artists over the years! On XXXX sides, Northland and XXXX, should be immediately addressed on this matter and dealt a swift punishment. Additionally these companies should be required to compensate those that have ignorantly paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with Kentucky Housing Corporation (KY).
Issue: Loan modification,collection,foreclosure

Complaint: The lender is refusing to review the clients loss mitigation package because it was submitted by a 3rd party on the clients behalf - It should not matter where the package was submitted from - the lender should review the client for all options when a full loss mitt package is submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: synchrony bank previously GE Bank have several accounts under my name wen I got XXXX thi banking intitution cancel all my card protection program not to mention they close All my credit card in good standing just because I I 'm XXXX thi is a direct violation not only to CFRA BUT MY AMERICAN XXXX ACT I NEED THE CFPB TO INVESTIGATE ALL ILLEGAL PRACTICE FROM synchrony bank TO SEE HOW MANY OTHE XXXX CONSUMERS HAS GONE TRUE THE SAME VIOLATION

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 01/18/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have been disputing my credit for quite some time and this one was never appeared before. Attached is a copy of a Experian page showing a collection agency.

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 05/30/2017 about Debt collection (Other debt) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX   Citizens Bank Account #  XXXX  Overdraft line of credit.
Primary account has been charged off.
It seems like late fees keep getting added on, but when I ask for statements I ca n't get them. The principal never gets paid off.
<P/>
I contacted the company, and they said that since I do n't have an account with them, I ca n't get a statement from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Consumer Loan (Installment loan) with ClearOne Advantage, LLC (KY).
Issue: Shopping for a loan or lease

Complaint: I submitted a complaint in XXXX for Clear One Advantage, my case number is XXXX, their response to my complaint was that they would send me my fees which was around {$700.00} ( a little more ), and I have never received my fees back. So my complaint this time is this company does not know the truth, if they had no intentions of giving me my money back they should n't have said they would in their response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (KY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: THE HOME DEPOT DECREASED MY CREDIT LIMIT AND THEN CHARGED ME AN OVER LIMIT FEE ON MY BALANCE I HAVE WRITTEN THEM SEVERAL LETTERS AND THEY FAILED TO ANSWER SO I WROTE ANOTHER LETTER STATING I WAS CLOSING MY ACCOUNT AS THEY DID NOT RESPOND TO MY LETTERS.I CUT THE CARD UP AND SENT IT TO THEM AND THEN THEY CHARGED ME ANOTHER OVER LIMIT FEE

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I do not have a contract with XXXX Fed. On XXXX on or around XXXX it was removed from my credit report and then replaced with out a notice stating that it was going to be replaced via transunion.

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 02/15/2018 about Checking or savings account (Checking account) with Coinbase, Inc. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I utilized coinbase to purchase crypto currency in the process I was charged the legitimate amount but then charged again the same amount. I paid a total of {$850.00} and the company withdrew {$1700.00} from my account resulting in me having to transfer money right away last minute. I am now left unable to pay for upcoming bills that are due.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Consumer Loan (Installment loan) with Check City Partnership, LLC (NV).
Issue: Managing the loan or lease

Complaint: I wanted to make an additional payment toward my loan to reduce the already high interest in the amount of XXXX dollars and was told by XXXX that I could not make any additional payments below a certain amount on the loan. Check city then took my payment and lowered my first payment and when I looked at the invoice the reciept shows I only paid XXXX toward fees when it should have gone toward principle because it was an additional payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Approximatel y two mont hs ago, I signed up with Equifax for their credit monitoring service. The service requires a monthly subscription of {$16.00}. The product allows for me to update my report on a daily basis at no extra charge. Once I purchased the product I have been unable to successfully pull up my credit report at my convenience. In total, I have only been able to pull up my report twice, and every other time I try, I get an error message. I have called Equifax several times and continue to get several different answers, but none have been able to solve my issue. I have sent over my ID/proof of address on  SEVERAL occ asions and yet Equifax continues to lose it, even though it is being sent via their online platform. I am sick and tired of paying for something that I am unable to use- and I NEED MY CREDIT REPORT IMMEDIATELY

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a few concerns that are bothering me.     First and foremost there is a collection account on my credit report that is not accurate and should be deleted please. Based on FDCPA violations conducted by  XXXX   XXXX   XXXX  this account was prompted to be removed after a payment was made an date company violated my rights by harassing me, using foul language and attempting to illegally collect the amount again even though the sum was closed with   XXXX   XXXX   in a timely matter. Asked them to remove the collection, as it violated my rights and was not a collection item to beignet with and the refused me and continued to harass me. They are aware and have removed their account off from my  XXXX  and   XXXX   profiles but for some reason Transunion has not updating their reporting and removed this account completely as it has violated FDCPA law and can not be reported against me any longer.  XXXX  is aware of this and have apologized to me. please remove the collection, it is false.  <P/> ALSO, I would like the remarks under my   XXXX   and   XXXX   XXXX   accounts removed because i am no longer disputing them and they have incorrect remarks next to the account information. They are not being disputed and have not been investigated properly by any FCRA guidelines and therefore i would like the remarks removed. The companies have sent alerts to Transunion to remove the remarks and they have not abided yet.

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 10/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my EQUIFAX credit report, I noticed that on XXXX/XXXX/2014, an unauthorized inquiry was performed by employee of this XXXX of XXXX XXXX, XXXX XXXX, XXXX XXXX, SD XXXX. I did not authorize it nor consent to it.This conduct is in violation of my privacy Rights and FRCA Sect.16 : 1b ( c ). I have personally requested that this adverse information be removed from my report but was denied by EQUIFAX stating that after investigation that the inquiries are factual record.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit card () with DISCOVER BANK (CA).
Issue: Arbitration

Complaint: I called to negotiate a credit payment. I was asked how much I was able to make and put in my payment. They said they were going to put me on a program so I could work on paying off my credit card. They said they were lowering the interest and they were going to accept my lower payment. I received a phone call this morning saying I had n't paid the full amount and still owed money. This was news to me since I was under the understanding that the amount I had put in was fine. Now my minimum payments seem to be higher than before I called. I 'm really frustrated because I feel like I was lied to when I called to negotiate so they could get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: ACCOUNT XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial first late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation