milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with Coinbase, Inc. (AK).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had initially purchased {$200.00} on coinbase on Date XX/XX/XXXX. I again purchased another {$50.00} on coinbase on XX/XX/XXXX. On XX/XX/XXXX I was charged these exact same charges again from my checking account. These charges even had the initial charge data of XX/XX/XXXX and XX/XX/XXXX in the description of charge. I have tried to contact coinbase but 2 days later still have no had the charges refunded. I attempted to call but was no helped over the phone and was told to send support email in. I did that aswell but was given a generic response with no extra information. My case number is # XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Closing on a mortgage

Complaint: In XX/XX/XXXX we remortgaged our home with Fifth Third Bank. At the closing we were presented with a mortgage insurance. We were told that this was necessary. Our credit was not bad by any means. But we do own our own business and the debt ratio was a little high. ( we were told ). We were told that the mortgage insurance would drop off at 80 % automatically. Or five years which ever came first. I have called every year wanting to know when that would be and was told not to worry it is automatically. 

In XX/XX/XXXX, after numerous called and was given several different answers, was told that I needed to but this in writing. I immediately did so on XX/XX/XXXX. I called two weeks and was told that they did not get it so I re-sent it again on XX/XX/XXXX. I was told that they would go back and reimburse me. 

I called XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last call I was told I would not be reimbursed and am still getting charged the mortgage insurance to date.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Cash advance

Complaint: I have a XXXX mileage plus credit card with JP Morgan Chase bank. In a recent event, I realize some terms on this credit card are not fair to the customer. In the term, Chase defined itself has the right to categorize " cash-like transaction '' as " cash advance '', after the actual transaction has been made, and without the notice or approval from the customer. 

Here are issues. 1st, the definition of " cash-like transaction '' is very ambiguous. Chase could explain it in any way favor the bank 's interest. 2nd, as most of credit card, a cash-advance limit is posted to protect the bank 's interest against the potential fraud causing by withdrawing large amount cash. However, this limit does n't apply to Chase. The bank can re-categorize a past credit transaction as " cash advance '', regardless the " cash-advance '' limit, the bank imposed on the customers. 3rd, Chase does n't notify or disclosure their behaviors of re-categorize a past credit transaction as " cash advance '', which causes the customer 3 % fee and extremely high interests, charging on the daily base. 

For instance, I made a credit transaction of $ XXXX. Chase fraud department sent SMS message to verify whether I acknowledge this transaction. I asked YES as I was aware of this credit purchasing transaction. However, after several days, without any notification, Chase re-categorized this credit transaction as " cash advance '', and charged 3 % fee and about 20 % interest on daily bases. I called the Chase customer service center. 1st they claimed that the merchant used wrong code to describe this transaction, thus Chase asked me to contact merchant to fix it. I contacted the merchant, which stated it did n't have the capability to charge the cash-advance on a credit card. Then I called the Chase customer service center 2nd time. This time Chase admitted the transaction was coming in as credit purchase, then Chase felt it was " cash-like transaction '', thus Chase re-categorize it as " cash advance ''. 

I argued for XXXX issues:1 ) Can Chase be the only one determine the nature of the transaction based on its ambiguous definition? Chase said " YES '' 2 ) Does customer have the right to know and react to post-transaction treatment? Chase insinuated " NO '' Hereby, I file this complaint of Chase credit card service, which violated my right not disclosing the sufficient information prior any changes on my credit card transaction ; and commit a potential fraud of stealing $ XXXX cash by forging such document to show I borrowed XXXX cash from the Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification since XX/XX/2012, up until yesterday my case was closed for a fourth time even after the representative told me i had handed in all my information requested in a timely fashion. 
I 'm tired upset and aggravated at this whole process that i believe US bank is playing with my time. I 've complied to all of their request, their not even denying me based on income but keep saying i have n't sent in the information when i did and have proof that i emailed it to them and they even responded with emails saying they received my paperwork, i do n't know what to do next so I 'm making this complaint to you then my next step will be the media outlets of XXXX. Thank you in advance for looking into 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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by 52 points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX I bought a small 3 drawer chest from XXXX XXXX - as part of a promotion - they offered me an additional 20 % of the purchase price if I opened a credit card account with them. I had no idea that the credit card was with Comenity Bank - if I had known, I would n't have bothered. Anyway - the item was not in the store - so I had it delivered to the house. Upon delivery, I went online, printed off a payment coupon and mailed XXXX XXXX/Comenity Bank a check in the amount of {$270.00} ... this was done on XXXX XXXX and the check cleared on XXXX XXXX, XXXX. The account number was written on the check ; the check was written to XXXX XXXX - and, Comenity Bank applied the payment to my mother 's account - which has no balance and the account numbers are not even vaguely similar. I tried talking to these people ( XXXX/XXXX/XXXX - XXXX @ Comenity ) and she advised to mail my proof to Comenity Bank in Ohio. I mailed the info to Comenity - certified mail - and then another invoice came thru advising I owed even more money - some sort of late fee. I called Comenity on XXXX/XXXX/XXXX - they passed me around until I landed with someone called XXXX '. At first - he tried to tell me that Comenity had not received my info ... I advised that the certified tracking number XXXX indicated that Comenity received this info on XXXX/XXXX/XXXX ... he then said " Aha! Yes! It had been received '' and then proceeded to tell me that someone would get back with me and straighten this all out ... in the meantime ... I got ANOTHER late notice adding MORE late fees. If I do n't get this cleared up - I 'll end up owing them {>= $1,000,000} for a {$240.00} dresser. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (I do not know) with Lionstone Holdings Group (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: They have been calling me stating that they are going to be serving me with papers. I tried to contact them back and was basically told that I needed to pay {$1200.00} by debit or credit card over the phone. I asked for proof and was denied. They will not give you any information other than the company name, Lionstone Holdings Group and that it 's a " XXXX XXXX '' office. They say that it 's a legal office and it 's not. Their tactics are to scare and get people to pay something that they are not even contractually collecting on. They do not recite the FDCPA or follow any guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (TN).
Issue: Problems when you are unable to pay

Complaint: Endless threats to take my vehicle away

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with Monterey Financial Services LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This account should be included and discharged in my chapter XXXX bankruptcy of XX/XX/2015. I've disputed this account with the CRAs but this issue continues to cause me great pain and suffering as it continuously appears on my credit reports making it impossible for me to move forward towards my new years to come. I haven't even received validation of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Deposits and withdrawals

Complaint: Deposits were made on Wednesday, XXXX/XXXX/16. The bank did not make any money available the same day as required. The next day nothing was made available. Now Friday the second business day still nothing is available and the bank has stated that the items are " under review '' and has given no indication of when the funds will be made available.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I received a bill from the IRS stating I owed them money that was reported by the XXXX XXXX XXXX XXXX XXXX XXXX for a cancellation of Debt for 2015. Several years prior to this XXXX XXXX XXXX, XXXX had contacted me and made a settlement agreement speaking for XXXX XXXX XXXX XXXX for a private student loan amount that had not been paid on. I made a payment plan with them to pay off the amount. At the end of the pay off I asked what further more needed to be done. I was told nothing that the payments had been met and nothing furthermore needed to be done. I never received a XXXX to give to my account to add to the end of the tax year 2015 for the amount of {$7100.00}. I have tried to find a number to reach out to XXXX XXXX XXXX XXXX XXXX XXXX and have no luck at finding a contact number. Had I have received this XXXX I would have taken care of this 2 years ago before it got to this point. I 'm just not sure where to go from here. I have already contacted the IRS to have them I am researching this and need more time before I pay the {$1800.00} they say I owe because of the new reported increase in my income from the cancellation of debt XXXX XXXX XXXX XXXX says I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX of full payment of debt agency is keeping account open and reporting to credit beareau and also did not send closure letter even after 1.5 months from receipt of payment

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 04-04-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: bank of America modification process discrimation

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 01/26/2018 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a XXXX XXXX XXXX XXXX in XXXX XXXX with XXXX down payment and XXXX loan with Suntrust Bank.The rate according to my loan was 3.4 % for 60 months and based on my payment details, I have already paid more than XXXX to this date and according to the bank I still owe XXXX more for the loan to be paid off. 


I went to the branch 3 times and one associate provided me with the phone number for the corporate who manage the loan, I called several times unfortunately nobody was able to help me

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 01/16/2016 about Debt collection (Credit card) with SUNRISE CREDIT SERVICES, INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've received a call from Sunrise Credit Services that I owe XXXX XXXX XXXX something dollars from a XXXX Credit Card that 's financed by XXXX Bank. I called XXXX Bank and told them that I did not have and never applied for a credit card from XXXX. I never received any billing statement regarding the charges on the alleged XXXX credit card. I requested proof of this alleged credit card debt but they said all information have been forwarded to Sunrise Credit Services and that I should contact this credit service. I called Sunrise Credit Services and spoke to XXXX XXXX and requested for the proof of the alleged credit card debt. She said she will send it through mail and should reach me within one week. Two weeks passed and I did not receive any. I followed up and was able to spoke to an associate of XXXX and again requested the information of the alleged credit card debt again. The lady said XXXX never put a note/request from XXXX Bank to send the proof of debt to me. The lady said she will put a request from XXXX Bank before she could send the proof of alleged credit card debt to be sent to me. I told the lady that the XXXX Bank said all information regarding the alleged credit card debt is now in their hand that 's why I was told to contact them. The lady said she still need to request XXXX Bank before she could send the information to me. I asked how long it will take before I receive the information and the lady said she can not give me a time frame for it. I told the lady that I am filing a complaint against them for harassing me for a debt that I do not owe. The lady then tried to refer me to XXXX XXXX Account XXXX which, when I asked, is also under XXXX Bank. I told the lady that I do n't think I will get a fair treatment from this organization since they are also under XXXX Bank. I told the lady that I am filing a complaint against them before the Consumer Financial Protection Bureau instead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (GU).
Issue: Problem with customer service

Complaint: I review the Complaint. XXXX. I apologize that the Last for digit of s.s. is XXXX not XXXX, or XXXX. Please corrected. Thank you

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 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My Complaint with Transunion about XXXX damaging my credit and Transunion allowing them to continue to damage my credit. I feel that if credit reporting agency Transunion is not reporting the XXXX account correctly. I have numerous disputes to XXXX regarding Navient incorrect reporting of the account. In an earlier dispute Transunion agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forbearance period, but I still made payments. I am enclosing documentation of payments made to XXXX. According to XXXX my loan was not in repayment until XX/XX/2015, so why am I 60 days late in XX/XX/2015 and 90 days late in XX/XX/2015, this reasoning is not logical.

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 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed a contract with XXXX. two years in I was XXXX in my home five days after XXXX and attempted to push panic button behind locked door. nothing happened. I realized something was wrong. I filed a police report and then called security company. I told them what happened and I needed them to come asap to fix it because I feared the XXXX would come back. they told me they would be out in 7 to 10 days. I asked for a manager and insisted they come immediately. they said they would note this on my account. they never showed I called back and complained again. they said they came out and I was n't at home. do n't know when that was but I worked so there is no telling. I again told them to please fix my system They were withdrawing automatic from my account for three months while my system was broken.. around three months later my home was broken into and robbed. again no alarm because they never came to fix it. another police report was filed. my damages totaled more than what I owed them for the " contract '' they were determined to hold me to which by the way was five years. I had to get bank to stop them from taking money. they refused to relieve me of the contract and turned me over to hillcrest Davidson collections. they demanded I pay the rest of the contract of {$1600.00}. when I was XXXX for a year. I lived alone at time and was scared to death for 3 months and had my mom come stay with me. I spoke to a lawyer that said I had an excellent case and when I was ready he was ready to chew them up and spit them out. but I did n't have money to hire him.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security Card so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.

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 09-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed a public record appearing on my Equifax report. The item has been paid in full and has been released/dismissed by XXXX XXXX 's District court. I requested the item be removed from XXXX, XXXX, and Equifax reports via dispute investigations. XXXX and XXXX removed the public record with no further action on my part. However, Equifax continues to report the item despite the item being released by the court. In addition, I was told on XXXX/XXXX/XXXX ( via phone ) that the item would appear on my file until XXXX XXXX or XXXX because of Equifax 's internal retention policy. The crux of my complaint is that credit reporting agencies should be consistent and accurately report personal information. Failure to do so affects individual creditworthiness and is an abuse of authority. All credit reporting agencies are bound by the same rules, FCRA and individual state of residency policies, which supercede internal company policy, in this instance. As a result, I feel that Equifax actions are unilateral and inconsistent. I humbly request that the public record be removed immediately.

Company response to consumer: Closed with explanation