milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with I.C. System, Inc. (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX I received an alert from XXXX XXXX  stating that there was a collection on my credit report from XXXX XXXX with the original creditor being XXXX and an amount of {$320.00}. I immediately contacted XXXX XXXX to let them know that I did not open this account and that it was a result of identity theft. I was given a phone number and account number and was told that this number was ported out to XXXX XXXX. I was told that if I wanted this account cleared up that I will have to file a police report and identity theft affidavit and send it to XXXX. The police report was filed on XX/XX/XXXX with the XXXX police dept and XXXX Mississippi however I have not been able to get a copy of the report because I no longer live there the reason that I filed it with them is because I was told by the representatives at XXXX that one of the accounts was opened up in XXXX Mississippi and that they had no knowledge of where the XXXX account was opened at power XXXX XXXX. I have not been able to get in touch with anybody at the XXXX fraud department. Whenever I call their number all I get is an automated machine and there 's no option to connect with the live representative. however it had a billing address in XXXX, IA. At this point I 'm not sure exactly where the XXXX account was opened that I just know that I have no knowledge of it and I never authorized anyone to open this account and my name and the police have been notified. When I contact the XXXX to let them know that I did not authorize the number poor they stated to me that there was an account open there in my name also but the representatives they 're closed it and stated I have no liability for that account because it was a fraudulent account. However I have not been able to come with a resolution with XXXX XXXX or XXXX I have sent them letters asking for validation of debt or to see a to see a contract that was signed with my signature on it and they could not provide me with that they also stated to me that they could not do anything about the fraudulent account that I would have to go through XXXX to get it cleared up even though XXXX is not the one that 's reporting on my credit report it is XXXX XXXX. I 'm requesting that this fraudulent account be removed from my credit report immediately

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 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My auto loan through ally XXXX XXXX is in good standing and when I make my payments every month I get no credit score increase for making on-time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/18/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I have a credit card and checking accounts w ith US B ank and on  X/X/17    I submitted an application for a reserve line of credit. On  X/X/17    I logged on to view the status of my application and noticed a pending document, so I submitted an electronic signature. After submitting my electronic signature, I contacted US Bank at  XXXX  to verify that my information was correct and after being transferred a few times, I was advised by one of the many representatives I spoke with that my reserve line of approved for {$500.00} and on  X/X/17    I would be able to view my line of credit along with other my existing accounts. Since the line of credit was not available on  X/X/17   , I contacted US Bank again and was transferred several times, but was n't able to get the correct information from any representative. On  X/XX/17    I contacted US Bank a third time and requested that my original application be canceled, so I could submit a new application. My second application never processed beyond the information I placed, however, US Bank placed a hard inquiry on my   XXXX   file. Today I contacted US Bank again and went on being transferred from department to department with no resolution.

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 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Good morning, I took a cash advance in XXXX of {$85.00} -- US dollars -- on XXXX XXXX, XXXX. 
I knew there is a cash advance fee and that interest would accrue starting XXXX XXXX So when I received my XXXX XXXX, XXXX USAA XXXX statement which covers charges in XXXX, I expected both the cash advance fee ( {$2.00} ) posted on XXXX XXXX and the interest charge of {$0.00} which was posted on XXXX XXXX. 
I paid the full amount due of {$2800.00} for the XXXX XXXX statement ( which was due XXXX XXXX ) early -- XXXX XXXX. This is confirmed on my e-bill pay account. USAA acknowledged receiving this on XXXX XXXX as well. 
So far I understand and accept the charges HOWEVER, I was still charged interest on my cash advance of XXXX XXXX on the XXXX XXXX statement ( which covers XXXX charges ). The interest charge -- posted XXXX XXXX -- is trivial ( XXXX cents ), but the question is why am I still paying interest on the XXXX XXXX cash advance since that was paid off on time XXXX XXXX. ( See above ). 
I spoke with a USAA representative who was very nice and explained that interest accrues until the amount due on my XXXX card is XXXX. 
So even though I paid the entire amount of {$2800.00} due for the XXXX XXXX statement on XXXX XXXX, I am still charged interest on a cash advance I have paid off. WHY? 
The agent said this policy is on the XXXX agreement that I received when I requested the card I can not find such an explanation. 
The dollars involved in my case are trivial. But others unknowingly are paying interest on cash advances that are much larger. I doubt they have a contract explaining why. This is not transparent, and not fair. 
Thank you for reviewing this issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This letter is being sent to you in response to a listing on my credit report from EQUIFAX. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: 5 fraudulent charges to my debit card at five different places. spotted it online, went to union bank to have stopped. was told by XXXX XXXX it could not be stopped because it was pending. filed complaint with bank # XXXX in writing, have called them three times, files complaint with department of business oversight # XXXX they refured me to office of the controller of the currency, filed complaint # XXXX, they refured me to you. I called and am told your the right place.Union bank won't return the money stolen from my account.. I now know the transactions could have been stopped. bad advise from bank. Want my money put back and additional punitive damages if possible. thanks

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 06/22/2017 about Debt collection (Other debt) with I.C. System, Inc. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of my credit report. I noticed I owed I. C. System, Inc {$510.00}. I do not have a signed contract with I.C. System, Inc. I have never done business with this company. I am not liable for collections from this debt from I.C. System, Inc. I am not responsible for this debt with I. C. System. My desired outcome is to have this deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Rewards

Complaint: Synchrony Bank offers a BP XXXX XXXX credit card with rewards in the form of " fuel rewards '' ( {$0.00} credit on a tank of gas per {$100.00} charged for 90 days ). Since the credits are good for up to XXXX gallons of gas, each {$0.00} reward is worth {$5.00}. I received proper credit for the first two months, but greatly reduced credit in the third month. 
According to the bank 's written communication, I charged {$430000.00} in the third billing cycle before the 90-day period was up ( XXXX XXXX ). This, they claimed, generated {$10.00} in fuel credits. This is a factual error. I have in fact spent a net of {$7200.00} this billing cycle up to XXXX, XXXX ( after subtracting returns credited ). I simply added the current cycle 's charges on the account website. This should have generated fuel credits of {$18.00}. I was thus shorted {$7.00} in credits, with a cash value of 20 times {$7.00} or {$140.00} in gas. To illustrate the problem, I made XXXX charges during this cycle prior to XXXX XXXX for {$3000.00}, which should have generated a {$7.00} each ( XXXX x {$0.00} XXXX. Only XXXX credit this large appears, making clear that their records are wrong. My problem is that after XXXX communications with customer service, I ca n't get any XXXX to look at the record and add up the charges to see that, in fact, I charged {$7200.00} during the relevant period. Their most recent letter, dated XXXX XXXX, but received XXXX XXXX, simply repeats their claim of the amount of the rewards currently available without any effort to explain why the period from the start of the billing cycle XXXX XXXX XXXX XXXX to XXXX XXXX with a total of {$7200.00} charged produced only {$10.00} in fuel credits rather than the obvious {$18.00} that it should. 
The problem is more serious. It took many calls and emails to establish when the 90-day period ended. ( It was not clear whether their clock started when I applied, when the application was accepted, or when the card was activated ). They finally told me ( in writing ) the day the 90-day period ended XXXX XXXX, thus permitting the above calculations. For example, in my first email request for the bank to tell me the end day of my 90-day initial period, the customer service representative simply stated that in the initial 90 days I am to receive {$0.00} per {$100.00} charged with no response to my question of when the 90 days ended. The next query, by, phone produced XXXX different answers from a lady who clearly had no idea what the right answer was. She quoted dates as early as 60 days after activation to as late as well over 90 days. 
I need {$7.00} in fuel credits or {$140.00} in cash credit applied to the card. I would also like assurance that their customer service will be more responsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, Coinbase opened trading of XXXX XXXX ( XXXX ) on their exchange. Before they opened the market, they were taking orders in which I placed a Limit Buy order. Once the market opened, the Limit Buy did not apply due to the heavy buying pressure. I then placed a market buy of approximately {$80000.00} for XXXX at approximately {$3800.00} per coin. By the time it filled a few seconds later, it filled at {$8900.00} per XXXX. I immediately placed a market sell as I did not expect the price to more than double in a matter of seconds. Despite multiple sell attempts, my order would not sell. All the while the price of XXXX was increasing until Coinbase halted trading at {$9500.00} per XXXX. The halted trading for about 20 hours and when it resumed, the market price was reset to approximately {$4300.00}. There are several questionable actions by Coinbase that caused a large sum of money to be lost which is why I am filing this complaint : 1. My market order at {$3800.00} did not fill until {$8900.00}. 
2. Selling was not working. 
3. They froze trading and reset the price to {$4300.00} which immediately cut my investment value by over 50 %. 
4. Immediately after the price increase, there were insider trading allegations against Coinbase due to the massive price pump during the time my trade executed. These are still being investigated. 
5. The price of XXXX on Coinbase was nearly triple the price on any other exchange further reinforcing the suspicion of price manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX  and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentationXXXX XXXX  2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did Transunion, XXXX and XXXX   take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.

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 02-08-2018 about Vehicle loan or lease (Loan) with FC HoldCo LLC (WA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On several occasions when I have made payments the company had taken the payments and applied most of the money to the interest and almost none of it to the principal. When I discovered this I asked them why and they wouldnt give me a clear answer, said that they would apply the money as they saw fit. I raised several objections and let them know that I was aware that thier transaction application was illegal and they were misapplying the funds deliberately turning my loan upside down and I wanted to know why. Again I got no answers. Time and again I have tried to work with this company but I seem to keep falling behind in payments somehow and fees are constantly being racked on that I dont know where they are coming from and addition money is always being asked that I pay but once again I dont know for what. Now Im so upside down on the loan that I cant trade in the car and I dont know how to get out from underneath it!!!!!! The dates are too numerous to list and I can tell you that the conversations with them are daily a least two or three times a day, and I usually dont know its them thats calling because their phone comes up with names like XXXX XXXX or some unknown business.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I signed up for a Citibank card at Best Buy with an 18 month promotional balance ( XX/XX/XXXX ), though it is a card that can be used anywhere. I was informed that cash rewards would be credited to the account. I never received any rewards. I paid off the promotional balance ( as of XX/XX/XXXX ) and began using the credit card ( as advised in order to receive rewards ). After the 18 month promotional balance, I was charged interest as though the promotional balance had not been paid off. I contacted the company on 3 separate occasions, first to understand why I was charged such an outrageous amount of interest, then to prove to the company that I had paid the promotional balance, and lastly, to inquire about closing/freezing the account. Customer service was incredibly rude and offered no options for correcting this. They informed me that they could not see prior to the past 6 months, but then told me that the promotional balance was never paid ( seems difficult to see if they can only see the last 6 months ). I am now waiting 8-10 business days to receive all statements ( paper ) since the account was open to present back to the representative.

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 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.

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 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: IQ Data XXXX - XXXX XXXX received bill for carpet cleaning from apartment. When asked to do a walk through I was refused. And told I would not owe anything if I did they would send a final bill. They never mailed me a bill. She claimed she sent me an email, but could not produce a copy of the email. When I asked the collection agency what the collection was for they could not provide me a bill summary and the collection agency then knocked my credit score from above XXXX to XXXX. I would have paid any bill I owed, but did not deserve to have my credit destroyed. When they contacted me in XXXX I simply asked them for why i was being charged so much they never produced a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but XXXX  and Experian will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Information reported by XXXX is contradictory. Transition credit report shows that this account was moved to collection with no history of being paid off. Then it shows the account was removed but it still is reflected as a collection account.

Company response to consumer: Closed with explanation