milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2016 about Debt collection (I do not know) with Strauss Factor Laing & Lyons (RI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received the FIRST notice of the debt on XXXX/XXXX/2016. Before I could even dispute this debt I received A wage attachment hearing notice on XXXX/XXXX/2016. I never received notice of judgment or lawsuit on this debt. I do not even know what this debt is for? Not even sure this debt is mine!

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Consumer Loan (Vehicle loan) with DriveTime (GA).
Issue: Managing the loan or lease

Complaint: I have gotten a car from drivetime 2 and a half years ago and never missed a payment what so ever. Then I had a animal accident and it got totaled. I went back to get another car from them because I enjoyed their vehicles. And I got a XXXX Kia forte it was just perfect until 2 to 3 months later. Bolts are hanging out of my engine, my transmission started slipping and my electrical wo n't work properly. This car has turned out to be a lemon. But I 'm in XXXX on this car. So I tried to use my warranty. And they demanded to make me pay for diagnostics when I just got the car and I refused. Day after day it was arguments. Until the next week. They finally waved the diagnostics. So I got my car up to aamco to gethe it done. Well XXXX said they ca n't fix it but they see what the problem is only a XXXX dealership could fix it. So I got it to XXXX dealership, and do n't make me get started on how they would n't give me a car to borrow in the mean time. They sent me to XXXX and XXXX but theyou were charging me XXXX to almost XXXX dollars just to get one. So I refused until I got a car I could borrow to hold to work. Next after I got it up there to them it took the 1 and a half weeks to do the diagnosis. Then it sat because a XXXX and drive time was not communicating to get the diagnosis paid for. It took 2 to almost 3 weeks to get it paid. Then they wanted me to take it to a different XXXX trying to be cheap on the prices when I got XXXX with a XXXX loan I should have a good car. Anyways before that XXXX came to pick it up and the dealership would n't let it go because they said they have n't received any payments from drivetime. Whoa really? I waited 3 more dayes to get it actually a paid for so they can release it. Now I'must waiting for aamco to pick it up AGAIN.. I 've been calling all month telling the company I just can not make a payment on a vehicle I do n't have and I just got and it 's messed up. They told me it will be reported to the credit bureau and mess my report up. I 'm starting to look for a lawyer. Or work out something with the company. I should be able to walk away from a horrible situation Like this.

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 04/22/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I opened a new checking account wi th Wells Fargo  on  XXXX   XXXX    XXXX  . They had a promotion going on which was if you deposit money into your account and make  10 different tr ansactions that you will receive {$250.00}. It says you should recieve the money before 45 days, no later. I 've met all the requirements and have n't recieved anything. I went to the branch where I live and they said that the offer expired, which they were right it did expire but not until  XXXX   XXXX , I already met the requirements before then. My husband opened up his account and did all the requirements when I did and he already recieved hu sband 2 weeks ago. I called customer service and they told me I would be recieving the money that day, that was 2 weeks ago. I 've tried calling again to let them know I have n't revived anything and th ey told me I was n't eligible. So now I 'm confused on if I 'm getting lied to or if they do n't have the funds. I met every requirement, so I 'm confused as how I 'm not eligible.

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 07-12-2017 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (MS).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have contacted Ability Recovery Services several times about reporting incorrect information to my XXXX, XXXX, and XXXX credit report. According to The State of Mississippi this company is not licensed to do business here in this state. This company has been fradualently reporting false information to my credit bureau files and refuse to correct and do harm to me. My name is XXXX XXXX. This account is listed as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: In addition to elevating to OWNER of a home I never owned, Bank of America forwarded my social security number to XXXX so that they could place an ad in the news paper that I defaulted on a loan! I fear Bank of America plans to place the house I DO NOT OWN on my credit. They will not stop harassing me! Since Saturday I have received a certified letter NAMING ME AS OWNER and regular mail. They swore they had fixed this. They lied! I am no where on the home as owner!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar sent regular monthly letter regarding our monthly interest rate, payment, etc. According to the letter, our interest rate for the following month is staying the same ( XXXX ) however they still raised our principal payment by {$160.00}. How can this be.? The interest rate is the same, our principal balance is being reduced by {$3800.00}, yet they are increasing our payment????? The payment should go down as the principal has gone down. When I called Nationstar to explain the incorrect math, I was told it was based on a calculation that Nationstar made up. It looks like a huge SCAM to me. Mathematically, it is not correct that our principal payment portion would go up {$160.00} when the interest rate has not changed and the principal balance has decreased. I believe Nationstar is scamming me and I would like it investigated. Nationstar can not provide a logical answer. They said they would send my question to their research department, which means, as always, that my question will go into the XXXX Nationstar hole and get buried. In the meantime, they will continue to scam me and all of their mortgage holders. I would like a reasonable answer to this increase. I doubt Nationstar can perovide one because they are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Payoff process

Complaint: I have a TJ Maxx credit card and every single time I check my account online it makes me change my password. I put in my user name, confirm the picture used as another security benefit, enter my password and after all of these are completed. It makes me answer security questions, enter my credit card number, and lastly, change my password which can not be a previous password. I check my account from several computers/mobile devices and do not always have the card with me. When I go to pay my bill, I am denied access because I dont have my card/account # and denied because my password is incorrect. Which have subsequently caused me late charges on more than one occasion.I have called and sent messages to the company ( and synchrony bank ). I am now paid in full and trying to cancel my account and realized again, my credit card is at home. I have entered the correct password, confirmed photo pin, username and security question ( I know this because If i enter an incorrect password/username/answer it doesnt alow me to continue to the next screen ). But can not close my account which has now put me in a fit of anger to send this complaint. I am to blame for the small mistake of not having my card on me at all times, but that is a little insane to have me jump through XXXX different security obstacles and still be denied. I am not seeking monetary reimbursement for late fees but anything that looks negative on my credit report I would like reviewed and changed

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 02-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I sent XXXX Ethereum [ {$5000.00} at the time ] to a smart contract from my Coinbase account, which failed, resulting in the money being sent back to my coinbase account. However, the wallet which it was sent back to belongs to Coinbase, and Coinbase has yet to place the funds back into my account. To date, XXXX has not sent me my funds back. The transaction Id was XXXX [ viewable at XXXX XXXX XXXX   ] The funds were sent back to XXXX XXXX XXXX where they still sit to this day. 

I have been unable to get Coinbase to rectify this matter. It should take about 3-5 minutes total for them to move the funds from this wallet to mine. It is unacceptable for this delay in time regardless of how " overwhelmed '' they are.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My First Issue : I pulled my credit and found this collection on all three credit reports. I have never received any paperwork or a call, from this company, nor do I know what this collection is for. I tried to call the number on my credit and I get voicemail. The account shows the original creditor is for XXXX XXXX XXXX. I have state insurance for my girls and XXXX XXXX/ XXXX XXXX, So I would have never received a bill from this original for anywhere near this amount. I would have like to be billed properly and have a chance to dispute any amount claimed that I owe. 

My Second Issue : This collection company is reporting differently on all three credit reports. For example : on my XXXX, the name of the company or what the account is for does n't come up. It states that is a collection for XXXX. On XXXX XXXX, it reports a completely different company with the same account number and address as on XXXX. On XXXX, is shows the full account. I 'm about to purchase a home, and the mortgage company wants to know why it shows three different companies have the same collection. Because of this incorrect reporting by the collection company, I show that I owe a total of XXXX in collections not the XXXX. I want all of the accounts removed off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Closing/Cancelling account

Complaint: My wife and I submitted payment for and were accepted to " Sams Club '' of the Walmart Company. As a part of this membership we were issued membership cards. We also were given a line of credit for Sams Club through Synchrony Bank, XXXX. XXXX XXXX, XXXX FL. 

We have never used this card for any charges anywhere. But soon after getting the card we received a bill with charges on it and several notifications of potential fraud from Synchrony Bank. 

We called Synchrony Bank, the local Sams Club store, and Walmart XXXX, and demanded the closing of the credit account. As directed, we went to the local store and turned in our cards and were issued new cards without the credit charge ability. 

After this we received another fraud notification, and then a third. 
Today I called Synchrony bank and informed them that the latest charges were indeed fraudulent and again demanded closure of the account, they refused to do anything unless I provided them with even more personal data. 

I refused to provide the data since this bank has already proven their inability to secure the information already in their possession, and the fact that they have already promised and failed to close an account that has been compromised and to which I no longer have any access.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt is a result of me co-signing a student loan. They call allday long. If you do answer they demand personal information ( last XXXX of ss # plus date of birth ) before they tell reason for call, When I refuse to provide info over phone they hang up and call back within a hour. I have repeatedly ask them to stop calling. I 'm not avoiding the debt, they always get paid. I just do n't want to be harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: still no credit report issued. it is preventing me from refinancing my home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (TX).
Issue: Fraud or scam

Complaint: I transferred {$300.00} from Chase quick pay to My sister 's XXXX account by using her phone number as an identification. She got the message that the money will be deposited and the confirmation number. However, she never received the money. I talked to Chase, and they said the money was deposited to a XXXX account which was not my sister 's account. XXXX said my sister registered her phone number after the money was transferred, so the money was deposited to another account. Is n't the money supposed to be in transit if the phone number was not registered and will be kicked back to my Chase account? My sister has been using this phone number for 3 years. So her phone number could be stolen. And now XXXX has no way to chase back the money. This is absolutely unfair to me. XXXX does not even take my claim. I claimed with Chase, however the dispute was not successful since they can not connect to the person who has the money. If they tried to called the person, then my sister could get the phone call, but she never did. So i am wondering if XXXX really tried to connect the person who gets the money and helped me chase back the money. The service of XXXX was really really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Arbitration

Complaint: I went on a cruise with a friends family, we applied for credit cards onboard the ship. The whole cabins charges were billed to my credit card. When I received the bill I contacted carnival and they sent me a document that I have attached, which clearly states I am not responsible for any of these charges. At the bottom it says there is an asterisk mark placed beside the responsible party, which you will notice is not me. There is only one charge on my folio card that was automatically put on there for {$48.00} for service gratuity.. every card was charged this. They put the charges on the wrong mastercard. I am not responsible for any of these charges.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I called Transunion on XX/XX/XXXX at XXXX to dispute XXXX hard inquiries that were removed summer XX/XX/XXXXand early XX/XX/XXXX due to a glitch in their system. Transunion illegally re-added them back because I never received written notice 5 days before Transunion reinserted them. Although Transunion acknowledge it was a glitch, the Rep XXXX only agreed to deleted the XX/XX/XXXX XXXX XXXX Inquiry.

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 10-07-2017 about Debt collection (I do not know) with Atlantic Recovery Solutions LLC (WA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Atlantic Recovery Solutions, a XXXX XXXX, has harassed my mother in law, my father, and my husband ... so far as of today,XXXX. Where is the privacy act, how did they get these numbers, and how can they legally keep harassing them? This IS Harassment~ I have had no items mailed to me, nor do I have ANY record of this company calling me on my home, or cell phone!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I withdrew exactly XXXX from Coinbase on XX/XX/XXXX ( XXXX ) which on the Coinbase account shows Completed transaction but I never received the funds to this date XX/XX/XXXX to my bank account. I think what happened was that on the Coinbase account even after verifying with my new Passport and the Bank Account it did n't change the name on account to my name. We first opened it with my mom but since the names on the Coinbase and my Bank Account has to match that 's why I verified again and with no name change turns out. 
I know the name on Coinbase account and Bank Account has to match in order for the withdrawal to complete but now I 'm in a position where before withdrawing I tried to change the name by re verifying and thought it did it but it did not have been trying to contact the Coinbase support now for weeks but with no answers at all & the transaction on Coinbase account shows Completed for me but no money on bank account. 
Now for a while I 've had my full name there it 's just the support is n't contacting at all!! 

Case # XXXX Withdrawal reference - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My FHA mortgage # was issued in 2009. According the HUD website, the monthly insurance premiums may be cancelled after 5 years ( if the mortgage terms exceeds 15 yrs ) and the LTV is 78 % or less ( based on origination appraisal ) and on time payments. I meet all requirements. I asked my mortgage company over a month ago to cancel this. They send they were 'sending a form. I have n't a word since. I want this cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (PA).
Issue: Managing the loan or lease

Complaint: SYNCB/FUNANCING said I was late XXXX payment XXXX 2014. I never received a notice saying that I was late. This was paid off XXXX XXXX. They can not go back and see what the issue was. So please check in to it and clear this from my record. 

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the past several months, I have seen my Credit Score drop almost 40 points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, 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