milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The company has sent multiple threatening letters indicating various grave consequences and presenting information in misleading ways. A previous letter they sent said failure to address a debt could lead to imprisonment. In their most recent letter, they state that they have no obligation to validate the debt as I requested in a letter to their office. I also informed the debt collector that the debt was most likely already out of the statute of limitations since the original judgement was made in 2004. They responded that debts can be valid for up to twenty years without confirming or denying whether the debt was ( 1 ) valid and ( 2 ) not outside the statute of limitations. They also claimed they have collected nearly XXXX in a previous wage execution but I have no record in my bank accounts of any such action or event taking place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX   XXXX  from  Citi b ank has closed my accounts from several years ago and will not reopen them. even though I have perfect credit. He is discriminating against me for being a victim of fraud. A few years ago my card numbers were stolen, I reported this t o Citi  bank and told them I never received the service or merchandise for these fraud charges. Instead of helping me out, like they have a duty to, especially me being a victim of fraud, they closed my accounts and are fighting me to reopen them.    XXXX   XXXX  responds saying I intentionally misreprested some disputes, he is  WRONG.. tho se are valid fraud charges. He is basically calling me a liar and siding with the merchant. This is wrong and illegal. I have proof I never made those charges, yet he discriminates against me for being a victim of fraud. this is not right and could turn into a class action issue, I have researched  Citibank has been doing this to thousands of people.

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 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: Hello, On XX/XX/XXXX I sent XXXX BTC ( A little over {$2000.00} value at the time/ $ XXXX+ today ) from my XXXX wallet to my Coinbase account. I noticed the transaction had gotten many confirmations so after a few hours I noticed that this money did n't show up in my Coinbase account so I got a little paranoid. 

I then emailed Coinbase on XX/XX/XXXX and they sent me back a scripted email back with some links to try and follow to track down my money. I told them that the links did n't satisfy what I was trying to accomplish and I never got an email back from them. 

Since these links did n't help me very much I continued to email then on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX without anymore information from them except for the same scripted email in reply to my XX/XX/XXXX message to them. 

I then reached out on XX/XX/XXXX to XXXX on XXXX and he never answered me. I provided him with all of the information that would be needed but unfortunately I never got a single reply. 

I have yet to see any information on whether the money is going to be sent to my Coinbase account or if I will be refunded the money in some way but this is inexcusable. Thank you very much for listening to me and I hope you have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid in full and closed a credit card account back in XXXX with XXXX Bank As of XX/XX/2016 they are now reporting status of 60 days late. The account is closed with a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am filing a complaint on Convergent Outsourcing as they have added back an account that was paid in 2013 to XXXX I requested that collections be ceased at this time as I provided information to the XXXX credit reporting companies that this debt was paid. This XXXX account should be deleted from my account and Convergent Outsourcing must cease collection actions 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 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When I lived at a residence in XXXX during my time at XXXX, we leased from XXXX. When I moved out, I spoke with the rep who said we did n't need to do anything else, but they kept the security deposit due to a need for cleaning/paint. They gave me a final bill that stated our balance was " {$0.00} ''. Fast forward about a year, and I started getting calls from Hunter Warfield/ collections agencies saying that I owed XXXX over $ XXXX for " new paint '', despite the fact that they kept the security deposit already for this, and had provided me with a {$0.00} final balance statement. 

Whenever I tried to contact XXXX to correct this mistake, they refused to take my call, nobody was ever at their office, and they began blocking my calls. However, every time I confirmed the situation with the collection agency ( who said they would close the case ), a few months would go by and someone else would call again, saying XXXX refuses to drop the case. 

Most recently, I have looked up XXXX and they have been shut down, and they were discredited by the XXXX and removed from the site for failing to comply to necessary standards.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: Request : Deleted permanently from my credit report. 
Status : Account paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a balance on XXXX XXXX and set up a payment plan and completed the plan on time and XXXX out the balance. The information reported to the credit reporting agencies is wrong.

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 Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my payments due to a job loss. I notified Wells Fargo when I got a delinquency notice and the next month, XXXX 2015, they put my in foreclosure and returned 2.5 months of payments and stated I was now 5 months behind. I immediately called and Wells Fargo assigned a rep. he had me file a loan modification application which was denied in 2 days. Even though I now make more than I did when I applied for the loan. We were then offered and took the option to repay the loan if I could give them 3 months immediately. Which I did as soon as the bank opened the next day. I was told that I needed to make sure that I did not become 3 months delinquent. I made another full pmnt in XXXX. I went to pay XXXX payment and they put me back into foreclosure and returned XXXX pmnts I had made. Now they have me 7 months behind. I told them I now have XXXX payments that I can give them and they refused it. They admitted the error was on their part but are refusing to honor their agreement made in XXXX. Now they are charging me attorney fees as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I recently bough a Nissan car that I financed through Nissan. After I bought the car I set up a recurring payment auto-draft through the website. It has an option to pay an additional amount with an asterisk next to it. At the bottom of the page the asterisk is explained " *PURCHASE : Additional amount will be applied to any outstanding charges on your account first and then the principal balance. The regular payment and the additional amount will continue to draft each month, as scheduled. '' The part about the principal balance is in bold on the website. I chose to only set up the XXXX payments as I wanted to pay additional principal with these payments but I was not sure how much additional I would want to pay after the XXXX months. Today I logged in to set up the recurring payment for the next XXXX months and noticed a payment due date of XXXX/XXXX/2016. I called and was informed that my additional amount had been applied to my next payments due instead of the principal. I was told that I could not apply the additional amount to principal with the recurring payment despite what the recurring payment page said. I told them they needed to fix it and they said they would submit the request but that it would take a few days. I was also told that since my payment was due today and that it takes a few days to process the request, my payment for this month would be pulled from the amount I intended to use to pay down the principal. I was then told that future additional amounts to be paid toward the principal only should be mailed with a reference on the check for principal only. All this despite what is says on the recurring payment page.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by Green Tree to Ditech in 2015. We have been paying our property taxes and insurance through escrow throughout the course of the loan. While the amount of our mortgage did n't change, we received a property tax bill from XXXX in XXXX for $ XXXX for property taxes that had n't been paid for 6 months. Ditech said they were n't responsible for paying escrow. We made a personal payment on XXXX to the XXXX for the entire amount due as we did n't want our home to have liens put on it. THE SAME DAY Ditech made a tax payment also. Now they are saying that we have an escrow shortage and have changed the amount of our monthly payment. We are trying to get our overpayment back from XXXX XXXX as Ditech is now going to be paying our taxes. I read on the consumer affairs website that Ditech has had numerous problems with this Green Tree acquisition some problems similar to ours, others were n't getting their homeowners insurance paid, others did n't have automatic payments taken out they had previously set up and now have a late payment on their credit report. The public needs to be protected from businesses like this. They have the power to do a lot of damage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I opened a checking account with TD Bank in XXXX. I deposited about {$150.00}. However I did n't use the account until years later when I payed a credit card bill for about {$100.00}. I never knew there was a maintenance requirement meaning a balance had to be maintained. Apparently I fell below that balance after paying my credit card bill and I was incurring a maintenance charge every month. I never received a monthly statement from TD Bank or an email alerting me to the fact that I was incurring this maintenance fee. However I just received a notice of the bank closing my account and I had a balance due of {$41.00}. 
I went into the TD Bank yesterday where I opened the account to inquire what was going on. I was told about the maintenance charge and the balance due. I explained to the customer service agent that I never received any bank statements from TD Bank and never was told there was a required amount of money to be kept in my checking account when I opened the account. The customer service agent called the assistant Vice President to talk to me, XXXX XXXX who explained to me that I would not be reimbersed for the maintenance fees that TD Bank charged me even though they never sent me checking account statements. This was final. When I got home I reviewed the information that TD Bank gave me when I first opened the account and there was no information about maintenance fees or required monthly balances. I am out about {$50.00} but it 's the attitude of this bank that is worthwhile noting. I am a senior citizen and even {$50.00} means something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: US Bank has an online app through the iPhone that allows consumers to make payments on credit cards via their checking account ( both the checking account and credit card are US Bank affiliated ). The application gave no visual feedback confirming a payment in the amount of {$1500.00} was made after two attempts. This seems to be a software bug ( usually I get a confirmation of payment ). So I used the desktop browser online banking to make my payment of {$1500.00}. Everything seemed fine until the night of Friday XX/XX/XXXX into Saturday XX/XX/XXXX when {$3000.00} additional were withdrawn from my checking account and placed on the card. Ironically the one time {$1500.00} payment paid off the card in full. So what is now reflecting in my bank account is an overdrafted checking account of about - {$2200.00} and a negative credit card balance of {$3000.00} ( in other words, they owe me {$3000.00} ). 
I asked them to fix this immediately and was told that it may take up to 45 days to be resolved. Initially the credit card portion of US Bank customer service implied it was my fault and that I probably paid ahead in anticipation of a large purchase with my credit card ( not true ). When I finally spoke with a professional banker, the service was better but I was told that I am out of luck. As it is XX/XX/XXXX all of my future obligations to pay bills, student loans, and rent, may not go through my checking account, and I am responsible for all late fees incurred outside of the checking account. I was told that " eventually '' they will reverse the {$3000.00} overpayment and will not penalize me with overdraft fees. Is it really fair to me as a working class consumer with student loans that I must now face eviction and delinquencies on student loans all over a buggy iPhone app?

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 12-12-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have had nothing but trouble with equifax. I have disputed so many times and had items removed and put back. I can not get my credit score without paying but XXXX XXXX keeps denying a limit increase saying equifax says my score is XXXX which is quite a bit off my other scores and seems wrong. I now years ago I got information about equifax getting in trouble for practices and I was supposed to get something out of that and never did. I want the issues fixed and a proper score and explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Focus Receivables ManagementXXXX XXXX XXXX XXXX, GA XXXXThis company has reported to the credit agencies that I have {$38.00} in collections with XXXX XXXX from XXXX and reported it in XXXX XXXX. I 'm in the process of trying to obtain a home loan and this has negatively affected me. There is no way that this is a legitimate debt as I was not living in the United States from XXXX XXXX - XXXX XXXX, do not have XXXX XXXX nor is it even available in XXXX Idaho where I 'm currently living. They had called me several XXXX times and I informed them that this is not my debt and I do not have any account with XXXX cable. I had asked them several times to stop calling me before blocking their number. I 'm still receiving several mysterious automated calls daily. 

Regards, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt was claimed in year 2000 by Alarm company XXXX for XXXX and has been on my Credit file! 6 years.Account # XXXX.held by Transworld systems- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 non-monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (IL).
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: XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX XXXX states that improper or negative and or personal information can not be displayed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent a letter requesting proof that this account was in fact mine because I did n't recall the account. Once they sent me the information and I realized that it was my account I noticed that they were reporting the account open date as being the date that I spoke to someone from the collection company about the account. The open date should be reported as the date the account originally started with the original company. I would like for them to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Contacted AR Resources to settle debt. Was told if I pay the {$2500.00} debt they would delete all accounts from my credit report. Called back to ask when they would be sending the letter to the credit bureaus, I was told that in order to get it deleted I would have to pay {$1300.00} after I just paid {$2500.00} on XXXX XXXX, 2017. Called back to get a itemized statement of all the medical collections on XXXX XXXX, 2017 and they told me I now owe {$1900.00}. There are XXXX accounts that I paid and they are giving me a different amount every time I call. I would just like to get these deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: After numerous repossession of my vehicle I have paid every fee that was owed my vehicle was repossed 3 or 4 times and paid every fee that was owed then the last one that was paid had paid off the vehicle however Santander put in the credit breau that the car was repossed but I still got the car I had them send me the whole report if my payments and was paid off but never received the title or pink slip and I would like that sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello good evening I was just following a complaint against Trans Union credit bureau in a couple months or a month I have credit monitoring so monitors my credit I received a Trans Union alert saying a delete it XXXXinquiries or XXXXinquiries from my credit report and they were reinserted back into my credit report the next day this impact in my credit report.I call customer service on Trans Union and told and explain to them i was a victim of the inquiries.I have alerts saying that they were removed from Trans Union, customer service did not want to do anything about it so I 'm complaining with the consumer financial protection bureau. under section 611 anything that is removed from your credit report can not be reinserted back and transunion is to give you five days notice that is going to be back in your report they did not do that the violated the law and I explain that to the customer service and they did not care to do anything about it.

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