milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2013 a have singed off my paper work for withdrawal from XXXX XXXX college in XXXX XXXX XXXX, this was a recommended procedure from carrier services because I have a job offer in a different city, at that moment I was confirmed/ instructed by this school the indicated procedure to avoid any charges, I have financial aid to cover my tuition, I 'm paying on time every month for it. XXXX college have put in collection amounts about my tuition, the information provided to me at that time is completely different today. 

I did contact with the school and I 'm still waiting they contact me back with any information, contacted the collection company the ask me to contact the school. 

1. - I had completed ( on time ) my paper work for withdrawal from the college. 
2. - I had done the procedure the school recommends me to do. 
3. - Amount mentioned do not make any sense, since I only had attended to XXXX chases. 
4. - actually I 'm paying for government financial aid for XXXX dollars. 
5. - Every month ( 3 month ) at school I did a payment for the difference between what the financial aid on my tuition. 
6. - They have in my files all my paper work including my official withdrawal ; I have never stopped attending to School. 
7. - A company is calling me and sending letters about collection from this school, I have asked to dispute the amount but they say I had 1 month to do it, this company called my about 2 years and 1/2 after and they stated they do n't have nothing to do If I ca n't dispute this case because the time is expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Despite an account being closed for over a decade, Bank of America is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.

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 05-12-2015 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Deposits and withdrawals

Complaint: I have been trying to collect an amount owed to me by PNC Bank since XXXX XXXX XXXX. I received a refund from an intuit purchase and they credit it to my old debit card that was drawn from PNC Bank. PNC Bank contacted me via writing ( Exhibit A ) to let me know of the refund and provided a contact XXXX I tried more then ten times calling this number and none of the PNC employees that I spoke to ever forwarded the {$210.00} owed to me. After so many months of frustration I finally sent a letter in writing to a PNC Bank representative at a local branch where I opened my banking account. Her name is XXXX XXXX XXXX. This letter was sent certified mail XXXX XXXX XXXX XXXX XXXX and was delivered on XXXX XXXX XXXX, ( Exhibit B ) To this date I still have not had a response nor has my money been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This all started on XX/XX/XXXX I kept getting charges from XXXX so I went to the bank to case and reopen a new account. I was told by the banker and given a paper that he informed social security of my new account and i need not to do anything, on XX/XX/XXXX I recieved  a check and deposited it via photo deposit and called later that day and was told the funds would be available on the XX/XX/XXXX on the so checked the next day and there was no funds available so I called and was told that there was a restriction on my acct and its about to be closed due to fraudulent deposit. so when I told her it was given to me by my insurance and it was a chase check then they transferred me to someone in the fraud dept and she verified the check and lifted the restriction in the process i had written a check for the rent and also my insurance. i get my debit card on the XX/XX/XXXX and when I went to activate the card it had been deactivated and my account was going to close again so I went to the branch and spoke with one of the bankers and he said it was a bank error and that the account should have not went through all that and I get a text from my rent office saying that my payment was returned on a closed account and now I have late fees and I showed iI cant afford to pay my renters insurance all the extra money and fees I had to pay because of the banks error had caused me not to be able to buy my family XXXX gifts so now its XX/XX/XXXX and I wake up to no direct deposit went to social security and they tell  me chase has not sent anything over to change my account and also they don't have the authority to do that so he dont know why they are telling customers that only they can change banking information and my social security has been sent to the closed account so fI call customer service and they are telling me they can help me and it going to take 3-5 business days for it to get sent back and then thy will return.I then asked to speak to a supervisor that then said she could not help so the 3rd person I asked if she could transfer from the old account to the new and she finally got the ok to do it by this time I am at the branch and the funds are not available and I am talking to the man that tes me he sent over my direct deposit information to social security and they never got it so he go to the supervisor and she says since she can see it she will give it to me for the banks error.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax is reporting serveral different address on my credit report. 
XXXX XXXX , FL XXXX ( never lived at this address )

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Deposits and withdrawals

Complaint: Paypal decided to shutdown my account arbitrarily. And are currently holding my balance of {$1900.00} and are planning on holding it for 6 months. In addition to that, I have additional {$360.00} in ebay gift card they are no longer honoring. I 've contacted paypal and ebay several times and all they do is bounce phone calls back and forth. And blame each other. Someone has to be responsible for returning the gift card balances back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been trying to apply for a pay as you earn payment plan since XX/XX/XXXX. Every time I have applied multiple times and have been told over the phone several time that everything is correct and it will take time to process. It 's now XX/XX/XXXX, the paperwork I resubmitted in XX/XX/XXXX that I was told was there and correct has some how disappeared and I 'm being told I have to resubmit my application and pay stubs for about the 5 time. This has been with my fedloans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: TO : Bureau XXXX Consumer Finance ProtectionMy XXXX year old mother was a victim of identity theft in XXXX of this year. Counterfeit checks were created using her banking information, and XXXX checks totaling {$1100.00} were used at Walmarts in the XXXX area. Upon receiving her statement for XXXX, we notified the bank, who regained the money, closed that account to prevent further fraud, and filed a police report. 
TRS Recovery Services, hired by XXXX, has begun to hound her about paying for these checks. Over the weekend, she received a letter from them with a " Demand '' XXXX their word XXXX to pay their bill and a threat that a collection agent would be assigned to follow up if she did not. 
I have filled out a TRS dispute claim for all money owed and sent them a copy of the police report ( # XXXX # XXXX ) and a business card of a bank employee to contact, but TRS continues to call her XXXX or XXXX times a day, in spite of the fact that they have been told in no uncertain terms to leave her alone XXXX. 
I have also sent copies of all dispute forms and information to XXXX legal, as well as XXXX XXXX Department. The harassing calls continue to come in, and I am concerned about the emotional and possible physical effects the stress of worrying about this issue may cause my mother. 
Please contact me and let me know what my next steps need to be for you to investigate this issue. 

re : TRS Notifications XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I rented a vehicle from   XXXX   XXXX   XXXX   in  XXXX  with my  American Express Card.  Claim #  XXXX    XXXX   XXXX   dates   XX/XX/2017 - XX/XX/2017   Vehicle VIN  XXXX   XXXX   XXXX   XXXX  On   XX/XX/2017   had minor accident that left paint scratch on bumper.     XXXX   XXXX   is over charging my credit card a random amount of money that includes fees for dimished value {$2500.00} and loss of use {$520.00} that it is refusing to justify or explain.   Filed insurance claim with  American Express  and placed dispute.     XXXX   XXXX   does not cooperate with AMEX rental insurance and does not provide necessary documents to justify charges and tells me that it 's not their problem how I get the money back from the credit card ; especially charges of {$520.00} " loss of use '' {$2500.00} " dimished value ' ' American Express i s going to resolve the dispute in  XXXX   XXXX  's favor, despite not  XXXX  not having submitted the necessary documents and leave me on the hook to pay for all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with National Collegiate Trust which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with National Collegiate Trust because they no longer have the loans. I do not see any ownership information from National Collegiate Trust or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was National Collegiate Trust but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. National Collegiate Trust and XXXX are trying to commit fraud against me. I have the copies of all of the complaints I have against XXXX as proof. National Collegiate Trust can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a phone call at my place of employment from macys credit card company that i need to make a payment and i was very upset with XXXX thing, first i do not have a macy 's credit card second they had called to my place of employment. i told the lady they have the wrong person and told her that do not call me back ever again. But she got a little rude which made me to hang the phone on her. This happened on XXXX 2015 and since then I had filed a police report I had send letters to macys stating this account is not mine also disputed the account with credit bureaus. Macys has not done anything to satisfy my request as a consumer whos identity was stolen they keep sending me the same letter saying that they have received my recent correspondent regarding a macys account and my letter has been forwarded to their fraud investigation and some one from fraud department of macys will contact me regarding my concerns. as of this date I have not received any phone calls regards to this urgent matter. only thing I have got from macys is bunch of promises with the same generic letter but with a different date on it. please help me to resolve this matter.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I brought my XXXX mini van in to be repaired at XXXX XXXX in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I  asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX XXXX XXXX XXXX XXXX of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with National Credit Systems,Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: National Credit Systems continues to report the same account multiple times to my credit report. This reflects negatively on me even more so than the original claim. They have been doing this ever since they first started reporting. I understand that they report to all XXXX credit agencies, but they are currently reporting twice to XXXX. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other service problem

Complaint: I use coinbase as my cryptocurrency exchange and wallet. I enabled 2 factor authentication on my account as they prompted when signing in. I ended up losing my phone and got a replacement. 2 factor authentication is associated with the lost phone. I can not transfer it to my new phone without first verifying on the phone that is lost. I do not have the seeding information to restore. This leads to bigger issues. I have a limit on the amount of transactions unless verified with 2 factor authentication. I can not log in once the code expires due to the inability to verify a new code because I no longer have the original phone. I contacted support on XXXX XXXX 2017 and I have not received a reply. I contacted support via XXXX @ coinbase support and have not received a response. They do not offer phone support and all support online is automated. There is no number you can call. They literally have been ignoring other member for months without them hearing from support. At this point I feel as though they have a significant portion of my life savings locked into their platform. I literally can not get the courtesy and assurance of a response from coinbase support. I also can not access the helpdesk ticket or request page due to XXXX. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I have been notified by XXXX that my information might 've been compromised by the recent hack on XXXX. I 've contacted XXXX twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with XXXX. 
XXXX apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest 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
Consumer complaint received 01/18/2017 about Mortgage (FHA mortgage) with GREAT WESTERN BANCORP, INC. (NE).
Issue: Loan modification,collection,foreclosure

Complaint: Multiple contacts by the lender to attempt collection from me on XXXX loans which were XXXX under chapter XXXX bankruptcy. The lender also has continued to report an active updated payment status monthly to the XXXX major credit bureaus.

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