milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: They claimed they investigated the claim filed about my dispute when in fact they did not. I had to contact the companies myself to have some fraudulent information which are falsely placed on my credit report. Even after contacting them with verification from the agency and proof that the information needed to be deleted, they refused to delete it. I tried contacting their special handling department to explain the situation. The representative on the phone was rude and when I requested to speak with his supervisor, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter in the mail stating that XXXX XXXX has sold my debt to USCB. I did not have any visit on XXXX XXXX XXXX which is what the debt collection agency is claiming that I have medical debt for. I checked XXXX XXXX and I do not owe any money to them as my insurance has covered the medical costs of last year and I have paid the rest already and these visits were in XXXX and XXXX of XXXX and not in XXXX XXXX as the debt collection agency claims.

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 07-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: A person deposited {$200.00} dollars into my account via Quickpay service of Chase bank. ( Note : You do not have to confirm a payment from a person, funds show up in account ) * {$100.00} was the agreed upon from a person who bought an item from me online, via an online website service like XXXX. * The person sending it was a fraud, on XXXX XXXX, 2017. They were using someones account to pay for an item purchased from me. <P/>Chase bank freezes my account, b/c of an escalated claims case. <P/>So what happens here, is Chase determines to stop payment from all my autopayments from various credit cards. <P/>Various companies are going to take advantage of me because of the banks decision. -- -- -- -- -- My XXXX Card, i turned off autopayment.. and my grandmother called in to pay for the bill. What ends up happening, is they said " it was too late that you turned off your autopayment, b/c we billed the bank already.. '' Plus : " your grandmother must have gave us the wrong number of her bank account '' So they hit me twice, with {$27.00} dollar fees. {$54.00} in total. <P/>My gas card, I paid after they froze the account. Cumberland farms now wants {$25.00} fee, and the original cost of the gas. They only gave me a few days to pay it, or it goes to an agency they said. I have a payment pending, which is my electric bill, recently paid. I am a little worried they might not get their money. -- -- -- -- -- -- Being a customer of Chase was convenient, and it was working out fine with them. But they overabuse their power.. and I did not do anything illegal. It could have been anyone, as long as their account is opened to receive direct deposits. If someone just puts money into your account, and then disputes it later. They have the right to freeze your account. That power should be taken away from them. <P/>I am a poor man, on XXXX XXXX XXXX I have a very low income, and I am in debt. These fees, and the Banks decision to freeze my account, pending a claims case, was a harming emotional experience I never want to go through again. I had to work around the clock to try to fix this.. but they still win.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   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   Miscellaneous Reptg. Agencies  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Utilities DISCOVER BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .   EQUIFAX MORTGAGE SER  XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, New  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Mail Order Firms   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, Old  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Complete Dept. Stores  XXXX  MOTORS,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, New   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Unions   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Personal Loans Cos.     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Personal Loans Cos.     XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  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 12/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: I opened an account with Coinbase in XXXX of 2017. In late XXXX into early XXXX of 2017 the company 's system effectively locked me out of my account by an error that was happening on their dual verification system. After I emailed their customer service multiple times and received no response after days and days, I finally began to call them. I contacted them five times and waited on hold for one to two hours before I finally got through. Two of those times the customer service rep put me on hold and then the phone hung up. They did not call me back or email me, even thought they had my information. When I finally reached someone that said they could help, they instructed me that I would need to re-verify my credential, which is a process that takes up to 72 hours. I made the attempt to do so and tried to upload my license and photo a total of 17 times over a three day period. Each time I received an error message stating that their systems were overloaded and to try back. After all the attempts over a stretch of time, I called again and told it would be escalated to a senior adivsor. I was tole they can not tell me when I would hear back. In the meantime I have no access to my funds and have lost on significant profits as I would have sold off my currency at high points during the time I was shut out.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: Since the last few months I 've been unable to resolve with BOA regarding late payments on my credit report. They have been unwilling to resolve this issue in spite of this issue occurring due to BOA fault, for which I have provided them all the documentation they requested to ensure its removal. 

I obtained a secured card with BOA in XX/XX/XXXX with an {$800.00} deposit to build my credit. By XX/XX/XXXX, I had established good enough credit to secure auto vehicles and a XXXX mortgage. Hence at the time I decided to close this secured card, as I no longer needed it to build my credit. 
On XX/XX/XXXX, I sent an employee with my BOA card to XXXX XXXX to make a small purchase for me. the next day I spoke to a rep at Bank of America to get the payoff, so that I could payoff and close the account. I was told that I owed {$25.00}. Hence, I rendered a payment for {$25.00} to BOA and thought the account to be closed and inactive. 

However XX/XX/XXXX, when I walked into my Bank of America branch to speak with my personal banker, I was told that the credit card account was still open and delinquent and had also incurred an annual fee for XX/XX/XXXX I would find that the last charge made on XX/XX/XXXX did not post to the account until XX/XX/XXXX hence I was given an incorrect payoff from bank of America on XX/XX/XXXX, that did not include the transaction from XXXX XXXX. The account was then closed and I recall being issued a refund for the secured card deposits. 

Between XX/XX/XXXX and XX/XX/XXXX, I did n't get any calls from BOA alerting me of the late payments either, and even while I continued to visit my local branch for other BOA account services I was not told about this. Additionally, I was saving all mail correspondence from BOA without opening them thinking they were my bank statements. I noticed there was one small payment of {$15.00} made XX/XX/XXXX, I suspect my dad made this payment after receiving a notice in the mail, I had entrusted him with paying my bills while I was away in XXXX at the time.

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 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2009

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I enrolled in XXXX university. I was assured by several XXXX XXXX and XXXX Bank that the debt I was acquiring was standard and would be easily repaid upon graduation. However, at graduation I found myself with more than {$200000.00} in private loans with interest rates around 8 % and unable to find a job for more than XXXX months. I am now drowning in monthly payments of about XXXX and they have been very unhelpful and reluctant to help lower my monthly payments. By the time I finish paying the loans off I will have paid them more than {$450000.00}. After paying my loans, I have little over {$50.00} left and rely solely on family to provide simple things like food and shelter. The government needs to intervene to defend the private borrowers from this type of abuse, this lending is immoral and unethical. How are you promoting education by setting students up to live a lifetime of debt and burden? Please help

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (GA).
Issue: Managing the loan or lease

Complaint: I requested for a due date change on a car loan I secured from Exeter Finance Corporation immediately after I secured the loan ( XX/XX/2015 ) because I get paid at end of each month. I was told to do so after I make a complete payment. After I made a first complete payment, they told me I have to wait again till I get my account caught up because the second time, I had requested too close to my due date ( of XXXX of the month ). On XX/XX/XXXX I requested again immediately after I made my payment as was advised to do. They said they will contact me once it 's approved. No one called so I called again around XXXX XXXX. and they told me it was approved on XXXX XXXX. thus changing my due date to end of each month, and I should just wait till the responsible department updates the system. I waited, waited and now almost XX/XX/XXXX I keep getting more calls saying my payment is past due and I owe an extra $ XXXX/more in fees. 
This does not seem like missing to call me or coincidence. It seems like a well coordinated deceitful practice to fleece the customer. I 've been requesting for a due date change on a newly acquired loan for months and when they finally approved it on XXXX XXXX they still trying to come up with something else to steal from me. This is unacceptable and fraudulent. I have sent a letter through their website, called XXXX which is supposed to be their corporate headquarters but it 's never answered though I left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (TN).
Issue: Fraud or scam

Complaint: I had an issue with a purchase in XXXX and filed a charge back with my bank in XXXX. The transaction was supposed to be refunded however my prepaid card company kept part of that money {$54.00}. The company in question is netspend

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I was approved for a BP Credit card from XXXX XXXX ( Phone # XXXX ), website : mybpcreditcard.com, with a credit limit of {$500.00} in XXXX 2017. In XXXX 2017 with the exact same information on my credit report my credit limit was stepped down to {$110.00} which damaged my credit rating by escalating my debt ratio. I had a XXXX XXXX in late XX/XX/XXXX and just got home the fist week of XX/XX/XXXX and have been trying to get house work caught up and pay the bills that did not have auto pay already attached to the accounts. Why would you grant credit just to rescind it 30 days later. XXXX XXXX appears to be notorious for doing this and it makes no sense, nothing changed on my credit report from the time credit was granted 30 days prior. Yes, I had a XXXX XXXX, but I 'm still employed, still earn the same income at the same job. This is why they had to solicit me 4 times before I accepted the credit offer, because I had heard of this problem with XXXX XXXX. How many hard working families need to have their credit damaged by this bank.

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 03/25/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16 about XXXX XXXX I went into Bank of America on XXXX XXXX XXXX XXXX XXXX, MD, XXXX to use the ATM machine and there were people ahead of me trying to use the ATM. A BOA employee of that branch walked pass us and walked into the banking area without speaking. After 20 minutes of waiting in line I was next to use the machine only to find out it was not working. I then began to knock on the main door of the bank to let the employees know inside the bank ( bank tellers were preparing for their day ) the ATM was not working and ignored me. I began to knock again and they all looked at me and turned their backs. The manager of the bank- a XXXX man came over to and started yelling at me through the glass door stating " we do n't maintain the ATM machines ''. '' I am only in charge of the inside of the bank ''. He was so nasty, rude and vile for no reason. He also began using hand gestures telling to leave and go to another BOA further up the street. 
I have been with this bank since I was XXXX years old and to be treated like this after all these years. There is no customer service or hospitality Just rude and nasty people. Good customer service starts with upper management and if he does not have any I doubt other workers will. They were just as bad and disrespectful as he was. 
A simple out of order sign would have solved the problem of multiple customers trying to use the ATM and figuring out it was not working. I got to work late because of this. 
I would recommend BOA to better train their employees on how to provide excellent customer service or hire new workers who actually want to work there.

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 03-02-2017 about Mortgage (Other mortgage) with U.S. BANCORP (WI).
Issue: Loan servicing, payments, escrow account

Complaint: We are having problems with US Bank holding our checks until after the due date and then charging us late fees which we refuse to pay. We are trying to refinance with a different company and are at a standstill until we get this situation resolved. We have called them regarding this and have gotten the excuse that the mail is really slow because it is tax time and the post office in XXXX XXXX is backed up like it is XX/XX/XXXX. The funny thing is that this has been happening for the last 5 months. XXXX at US Bank said that they do not hold checks. I beg to differ. The phone conversation that I had with her on XX/XX/XXXX was recorded by US Bank and should be used as evidence of the phone conversation I had with her. I have contacted a local branch manager as well and he said that payments are processed by check date or when cancelled by the post office. He said he would look into it and get back to me within 24 hours or by email. That was on XX/XX/XXXX as well after I talked to XXXX at US Bank. I left one message with an actual person but I have not heard from him and every time I call the branch now I get a message that they can not talk right now with no option to leave a message? Our XX/XX/XXXX check was mailed on XX/XX/XXXX and USBank did not post it to our account until XX/XX/XXXX which is one day after the grace period has ended. I am pretty sure that it does n't take 11 days for first class mail to get anywhere in the US. My husband works for XXXX and I am a XXXX. I tried calling the mortgage manager and the customer service manager at the XXXX phone number. Again I have left messages. No one has returned my call.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: We have had a checking account wi  th BB & T since 2015. We have a direct deposit monthly into the account from salary. Ever since then we have had numerous overdraft charges and fees over the last several months.
The most recent charges are being described below because the bank has refused to provide any recompense, amendments or assistance to prevent this from happening.
We were charged {$180.00} in overdraft last month and another {$390.00} this month. Overdrafts were charged for purchases when there was enough money to cover those items at the time. When we enquired about this, the bank said that there 's nothing they can do and that because the transaction went through at a later date there was n't enough money in the bank and we were charged overdraft. However, this was not evident in my account statement online. They said the only way for me to keep track was to write every item that I bought down and deduct it from my account.
This bank and its employees showed no care or effort in addressing the issue or customers. We are really hoping this could be resolved and get refund back for these we were wrongfully charged for by BB & T bank.

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 09/29/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I live in TX and according to my research ( XXXX ) collectors have up to 4 years to contact me about a debt. XXXX XXXX XXXX XXXX is contacting me about a debt that was charged off in approximatley 2003. And Dynamic Recovery Solutions is also contacting me about a debt that was charged off approximately 2003. 
I believe these tactics are very decptive and I wish them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Making/receiving payments, sending money

Complaint: Homeowner filed a claim with his insurance company for damages to the home. Insurance company issued a check made payable to both the bank ( mortgage holder ) and homeowner to pay the claim. Both homeowner and bank needed to be signed on back of check for endorsement and release. After numerous calls and complaints into the bank they continued to refuse to endorse the insurance check that was sent to be used for home repair. It was later revealed the bank used my insurance funds to satisfy a judgement award in a seperate matter. The damaged home accrued further damage due to the bank 's negligence and reckless handling of not resolving this issue in a timely fashion.

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