milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I am filing a new complaint to dispute the response that American Express recently provided to my CFPB complaint # XXXX, with their Ref : XXXX. 

In their correspondence dated XXXX XXXX, XXXX, they assert that they reviewed a call on XXXX XXXX, XXXX in which I was offered the pay over time feature, that the representative read me a disclosure and that I agreed to the enrollment. 

American Express has clearly changed their position, as stated in their response. In the two previous and lengthy calls that I had with them concerning this complaint, the representatives and the managers who I spoke with, after putting me on hold for long stretches at a time, were insistent to me that I had elected to enroll in this feature online, on the XXXX website. And that this was also the reason they could n't show me any further proof of this transaction. 

So they have now changed their story from what they had adamantly represented as taking place online. I do not want an apology for the 'misunderstanding ' as they referred to it -- what I want is the proof. If in fact they 'reviewed a call on XXXX XXXX, XXXX ', then clearly they have it on tape and I am requesting that this recording be played for me as evidence of their new claim. If in fact these calls are recorded for just this purpose, then it should not be an issue to review.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with E. A. Uffman & Associates, Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a continuance of a complaint filed by myself on XXXX/XXXX/XXXX Case # XXXX that subsequently removed from my credit report. This collection has been reported on my credit report as well and needs to be removed. Hopefully, this is the last of the bills that I have received that needs to be removed from by credit report via XXXX for the XXXX for an injury I received on XXXX/XXXX/XXXX via my employment with the 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 11/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: Citi promised me a XXXX-point bonus for my Citigold checking account but never credited it. 

I filed a complaint with the CFPB, which forced Citi to comply, but they needed proof of verification in. I sent it in, only for them to reject it on a technicality, claiming I had not checked a box. I then sent in a revised form several weeks ago, and still have not heard back from them, and their delay is getting extremely frustrating.

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 08-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Taking out the loan or lease

Complaint: I purchased a XXXX jeep patriot XXXX/XXXX/2015 and my interest rate is very high at 17.9 % the suv is {$25000.00} and it 's a 6yr. term buy the time it 's payed off i would have payed over {$39000.00} for it. what can i do?

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (VA).
Issue: Managing, opening, or closing account

Complaint: I am a rushcard customer, have not been able to have any access to my money in 16 days. When calling somtimes i get hung up on. other times the represenitives have the same excuses. Cant tell me whats going on or what the problem is or when it will be settled.The company wont even give any other opitions to recieve the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: Regarding : Citi Platinum Select Account ending XXXX, Citi Simplicity Account ending XXXX. 

I lost my job in XXXX and due to not being able to find a new job, I became XXXX. 

I was the XXXX in XXXX Pa. 
I was a XXXX accredited member with an A+ rating. 

I made a few late payments to Citibank, this put me on their automatic dialer Collections list, the phone calls never stopped even though I was making monthly payments. I sent them a Cease and Desist letter XXXX XXXX, XXXX but the phone calls never stopped. Citibank claims the letter was never received. 

I claim Citibank is guilty off unethical debt collection practices. 

In XXXX, XXXX, a XXXX. I was unable to do ANYTHING for the better part of a year. 
I have medical documentation of the injuries to prove that I did not make false claims regarding said injuries. 

During one of the many phone calls, Citibank was informed of the injuries, I said that I had every intention to pay my bill but am unable at the present time, I need time to recover, asked them to stop calling and reminded them of the cease and desist. Citi was calling me several times per day, to the point that I would answer the phone and say " I 'm sorry, but my situation has not improved since I spoke to you 2 hours ago ''. 

I reminded them of the Cease and Desist, and they said in a letter from the office of the president, dated XXXX XXXX, XXXX and signed by XXXX XXXX from the Executive Response Unit, that the Cease and Desist was never received, but the calls would stop for a 14-day period. I have documented proof that the calls still did not stop during the 14-day period, which can be backed up by Citibank 's own phone recordings. 

XXXX XXXX, XXXX I sent Citibank another Cease and Desist. The calls never stopped I have documented over 50 calls that were made during and after the 14-day period that was promised ( time, date, employee name, employee identification number ), and after the 2nd cease and desist letter. 

It is highly unlikely that using the same mail system that Citibank uses to send bills to their customers, neither of two letters sent to Citibank reached their destination. 

I filed a complaint with the XXXX, enclosed a copy of the Cease and Desist, which was forwarded to Citibank by the XXXX of New York. 

The phone calls stopped. 

I was satisfied. 

Then Citibank waited 1 year for the statute of limitations to expire on the Fair Debt Collections Act, Violated the terms of the Cease and Desist, transferred the accounts to an outside source ( Debt Collector ) and now this nightmare has started all over again. 

If an individual harassed another individual the way that Citibank harassed me and my family, the individual would get arrested, and have a criminal record that would prevent the individual from exercising one of our Constitutional rights

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 01-04-2018 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: Credit inquiries on your report that you don't recognize

Complaint: I HAVE 27 INQUIRIES ON MY EQUIFAX AND XXXX REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED EQUIFAX AND XXXX SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 and Experian claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please help me. I have been fighting with Equifax about accounts they report but there is not even enough information to know who the companies are. They are the only ones reporting several medical accounts. None of which I received any type of communication for and I have not been to the doctor in years. I have attached a copy of my credit report showing the items in question and showing that for whatever reason Equifax is the only one reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRSTBANK (CO).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XX/XX/ 2016, I opened a bank account through XXXX XXXX XXXX. I live in XXXX, XXXX. I opened the bank account at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The New Account Representative I opened my account with was XXXX XXXX. I was promptly looking to open a checking account after I had just moved back to XXXX from XXXX. Upon opening my checking account, they also opened a savings account. As XXXX was finishing up my account, he said, " I need to run a soft hit on your credit to make sure you are in good standing with any other banks ''. I thought it was strange for him to run my credit for this reason, as I had never encountered this at any other financial institution. When he came back he said that I also qualified for a credit card with the bank and that I could simply cut the credit card when I received it if I did not wish to use it. I did not give him my consent to use my credit for this purpose, only to ensure that I was in good standing with other financial institutions. This was my first credit card and after speaking to my parents along with others, I was concerned about the fact that XXXX wrongfully and knowingly extended me a line of credit way in excess of what my income would merit. At the time, I made just over {$2000.00} a month. Prior to my obtaining this credit card, I was unaware of what a utilization rating is and how important it is to keep it at a minimum in order to maintain good credit or continue to build on good credit by using less than 30 % of the allotted credit given. There is no way someone of my stature would normally ever qualify for a line of credit that was given to me, which was {$5000.00}. I take full responsibility for using the card, but again, after speaking to my parents, I thought it would be in my best interest to have a thorough investigation done to ensure I have exhausted all of my options in trying to have this resolved. I can provide any income stubs or other documents if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed the issue with the original credit reporting company and their records do not show negative accounts listed. They told me to place consumer disputes with credit bureaus. In addition XXXX credit bureaus do not show information on negative accounts, yet they are being listed again as open negative accounts through another credit bureau. I have spent much time trying to resolve these issues, so that the XXXX reporting bureaus are accurate and consistent in the information they are reporting about my credit history.

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 12/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Other transaction problem

Complaint: My friend and I both have coinbase accounts. He gave me the corresponding email linked to his account so I could send him some ethereum, but he had n't realized he gave me the wrong email ( he gave me XXXXXXXXXXXX address when he XXXXXXXXXXXX address ) until after I had sent the transaction. The email that the transaction was sent to was not a valid email/not in use at this time. So, my friend created the gmail account and corresponding coinbase account to retrieve the funds, but they were n't there either. My account shows the transaction as Complete, but when running a report of my transactions it does not provide a transaction id. Spent an hour & a half on hold before getting ahold of support and when I told the guy that there is no transaction id and it 's like the funds disappeared into thin air he just said " Yeah, I do see that, that is weird. '' Then he just hangs up on me! I 've sent emails to all support staff email addresses that are publicly available. I 've tried contacting them via their XXXX support, their individual employee reddit accounts, posting on their subreddit and no one is replying in order to resolve this issue. I do n't have my funds, my friend does n't have my funds. 

So, to summarize, I XXXX ETH to that XXXX account on XXXX/XXXX/XXXX XXXX AM. It shows as XXXX in my account and the funds were deducted from my ETH wallet. They have not arrived in my friend 's account or the account of the gmail address. No transaction id exists for the " XXXX '' transaction. Was told by phone support " That is in fact weird '' and hung up on. 

Previous Case # s from attempts at getting support via their email system XXXX & XXXX. 

XXXX 's solution was " Reasons your transaction might be pending can be found here. 
Known delays and further information can be found on our status page. '' Which I already knew and had explicity stated that the transaction was already displaying as COMPLETED, plus there is no sign of a transaction id. 

XXXX 's solution was " If you sent digital currency from your XXXX account to an email address by accident, your funds will be returned to you in 30 days if the funds remain unclaimed. If the email address has not already been claimed, you could do so to ensure the funds are returned to you. '' Which I already knew and had explicitly stated I wanted to get MY funds back sooner than having to wait the 30 days. Since there is no transaction id I 'm left to believe that the funds are being held by coinbase. 

As it stands right now they 've stolen this money as far as I 'm concerned ; hence, why I 've decided to make this report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Settlement process and costs

Complaint: I refinanced with XXXX after being with loancare for a year. Loancare was supposed to send me a refund escrow check on XX/XX/2015 I received a breakdown letter postmarked on XX/XX/XXXX but no check for XXXX XX/XX/XXXX I receive a letter of payoff but still no check I call and I was told by a customer relations rep that because I am not a customer he does not have to deal with me. This company has the worst service I've ever seen. All complaints about this company are valid. They don't keep track of there checks because it's sent through regular mail.

Company public response: Company chooses not to provide a public response
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.

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 11/21/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX i was informed that my account wasfrozen because of fraud that was caused against my account. There was over {$7000.00} around this amount of unauthorized charges. I have called the companies where these charges have been made and reported this to them and they have done investigations of this and issued refunds to my account still i do n't understand why TD BANK REFUSES TO GIVE ME MY MONEY! I have called them i went in the branch and no-one wants to help me i am in need right now and i do n't know what to do the only response i got was you will get something through mail yet no-one has contacted me until now. I have well over this amount of money i have over XXXX as well i have money coming in from my student loans and money from family now i have no access to my funds and td bank refuses to give me back the money i need to pay for school and such and now i fear that i will never be able to pay for my school tuition and my other private necessities such as transportation I really need help so td bank realizes that XXXX is willing to speak to them and tell them this was all unauthorized and they are issuing me a refund for the money that was stolen by XXXX being over XXXX from them so please i need help so TD BANK Sees this message and returns my money! I am a college student and i need money for daily needs like rent, transportation cellphone bill! I do n't have any access to any type of money since i kept all my money in this account. Please someone help me out and give me honest truthful advice i am very confused and at loss in my current situation. Until this day i still have no answer or money back today is XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a charged off account as a recently delinquent payment. The account was charged off in XX/XX/XXXX but is now showing current delinquent payments in XX/XX/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 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NC).
Issue: Adding money

Complaint: Made a deposit on friday XXXX/XXXX/2015 it has not loaded to my account my direcr deposit was loaded to my acct card reflecta XXXX balance cant get no help from Rushcard

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2015 about Debt collection (Medical) with Credit & Collection Recovery Services, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit & Collections is continuing to attempt to collect on a bill that has already been paid. What they are reporting to on my credit reports is inaccurate and is causing me undue hardship. I have disputed this with them and they have not responded to my letters and I have called. There rep verifies that this account was indeed paid and tells me it will be removed. However, it is still being reported and when I dispute it with the credit reporting agency, the come back as it being correct. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: Capital One purchased my account from another company and then claimed that I made a late payment with them, but I did not have this account with Capital One at the time they are reporting a late payment. Now that I have disputed this account, they have reported a disagreement code with a resolution of dispute to all of the credit bureaus without my permission. This has blemished my credit report further.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Vehicle loan or lease (Lease) with BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (PA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I bought a   XXXX    XXXX   XXXX  brand new Monday  XXXX   XXXX  off of the   XXXX    XXXX  lot in  XXXX  pa. 4 days later   XXXX   XXXX   XXXX     shortly after fueling the car for the first time the transmission light came on and vehicle stalled on the side  of the road. I called road  side assistance to have the car towed back to the dealership. I attempted contact the dealership while I waited on the tow truck and received terrible customer service. By the time I was connected to  2 diff erent men who claimed to be be the only managers available, I complained that I am upset about receiving a  lemon  vehicle and due to the service I did not want the vehicle. The man who claimed to be a manager offered a loaner car and I inquired if I cld return the vehicle. He said returning the vehicle was not an option for which I replied why not. I advised that I was a licensed mortgage originator and have  10  plus years in the banking industry and know for a fact that I can return the car within a certain time frame due to it being a lemon. He responded that cars are different and proceeded to quote more inaccuracies at which time I ended the call and waited on the tow truck so that I can speak with him in person. I feel this dealership is trying to take advantage of me and possibly take advantage of many people who do n't know their rights.

Company response to consumer: Untimely response