milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Credit card () with U.S. BANCORP (MO).
Issue: Transaction issue

Complaint: This was started when I inquired to do a home-based business for {$99.00}, which was a joke. Then it lead to XXXX contacting us. XXXX said when we sign up with them, we would be getting calls from other people. We were slammed with a multitude of companies for several months and harassed to the point that we regretted signing up. XXXX told us that they would provide us with a successful XXXX business and a custom website. When in fact they have done nothing more than rip us off to the tune of {$13000.00}. 

XXXX XXXX and XXXX XXXX promised that we would receive the best training and support to have a successful online business. We participated in the " coaching '' and did everything we were told we needed to do and made little to no money through XXXX. 

When we got down to the " custom '' website instead of being built by your professionals and customized to our satisfaction as sold we found it was the complete opposite. We spent weeks trying to figure out the logistics on our own with little support doing most of the customizing on our own. By the time the site was built 8+ weeks later it was a complete disappointment given the time it took and effort required on our end. Had this been disclosed upfront we never would have paid them. The " marketing '' efforts done for my site as supplied by you were XXXX links and every XXXX link that we checked was bogus, e.g., blog was in XXXX, blogs made by non-existent people that used bad grammar, posts were found on blogs that had nothing to do with our business. When this was brought to their attention our site was moved from XXXX to XXXX and the $ XXXX month fee was dropped to $ XXXX.We could go on and on about the fact that they shared our information or a host of other issues but what it comes down to is that XXXX deceptively sold us a bogus online business opportunity and I am trying to dispute my charges made on my US Bank card since they did not provide the services that they made me believe that I paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: Visited the office of a physician XXXX XXXX XXXX XXXX TX. for a XXXX. Listened to information and was hard sold and reluctantly agreed to give my CitiCard as payment. After a few days of research and speaking to my primary physician I decided the service was not for me. I have contacted the office of the physician to get a refund which they are denying me. I have contacted CitiCard to dispute the charges providing written documentation from the physician showing I have received no services and CitiCard refuses to reverse the charges, stating that the services are available to me when I wish to take advantage of them. The key here is I do n't want this stuff in my body and I should not be forced to pay for something I do not want and have not received.

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 05/23/2015 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 

On turning the age of XXXX, it became my XXXX policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 

On turning the age of XXXX, it became my XXXX policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: About American Express problem doing business on my website, and I 've pound American Express try to offer me for credit for any kind of used open American Express.this report and complaint was related to the complaint I was filed earlier.for this complaint I want to open and make the investigation go start to solve the banking issue that make a lot of corruption.this issue are serious and confidential to all viewers? its a bravery and dangerous.So please give a fastest results and start the best a soon as possible? In my part was critical everything that getting me down or distractions to stop me.Be frankly I need support and guide for this issue.As iI search it has I big group. That have connection to government or work in government agencies.Its hard to written right now distracting me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: hi i have XXXX unauthorized inquiry my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX I DID NOT authoriz I asked trans union to remove or investigate the issue they Refused to do so and i also asked the XXXX to remove it as well no replay from them so i would like to file a complant on Transunion file number XXXX to have this removed from my report as a citizen it my right to have this removed and would like to have this removed there is a X by the area is this copy 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 explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (GA).
Issue: Incorrect information on your report

Complaint: My mortgage loan was sold to Seterus XXXX XXXX. I went to by a car in XXXX XXXX and was denied a loan. It was discovered that Seterus was not reporting my mortgage payments which caused my credit score to drop by almost XXXX points. I immediately called Seterus and they identified that my mortgage payments were not being report and stated that they would start reporting and it will take 30 to 45 days. After 45 days they were still not being reported and I called them again. I was told that they only report missed payments. I contacted XXXX XXXX to file a complaint and XXXX @ XXXX XXXX XXXXXXXX XXXX contacted Seterus to advise them that they need to correct this by reporting my payments. They advised her that they had problems with there system reporting payments. As of XXXX XXXX they reported to XXXX only and falsely reported that they have had my mortgage since XXXX. The last credit report I pulled showed this and it also showed that the last payment that I made was XXXX of XXXX. This is incorrect because I pulled the credit report at the beginning of XXXX and I paid XXXX, XXXX and XXXX 's payment on time. I am trying to buy a car and move into a new home and this has negatively effected my way of life in a tremendous way.Thank you for your attention to 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 03/21/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a tax lien from many years ago showing on my credit report that lien was an audit from IRS as soon as I was told about the audit I paid in a payment plan and eventually paid off the owed taxes this has been satisfied and should be deleted. 

I have XXXX liens on my report XXXX listed as prince XXXX county and the other as XXXX county both were satisfied XXXX satisfied through wage garnishment ( was n't a valid debt but it went to court unbeknownst to me ) in any event both have been paid to get it resolved off of my report please deleted these old satisfied liens and stop listing them as current

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My identity was stolen and a credit car was opened fraudulently in my name Bank name : XXXX XXXX XXXX XXXX. date open :XX/XX/2016 balance : is XXXX I have Provided FTC affidavit, police report and all documentation to credit Bureau experian has not taken this account of my credit and they are giving me a hard time this is now affecting my credibility and my reputation

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 06/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have an account on Coinbase.com, i used  XXXX  f or 2 fac tor authentication on the account. My phone was factory reset on  XXXX   XXXX  and I lost the " token '' on the phone that connects t o Coinbase, therefore am unable to transfer my funds away from Coinbase. I have filed 3 separat e customer service requests to remove  XXXX  from my account and the firs t 2 w ere closed for no reason, the third appears to be pending but i 'm doubtful. I have gotten no response from them. All i want is to get my money, which is nea r 1 thousand dollars. I have sent them proof of my identity and I can see no reason to prevent me access to my money unles s they are running a scam of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Every year I call to cash out my rewards points and Bank of America always adds an additional XXXX points as a " thank you '' for being a long time customer. Every year these extra XXXX points take about 3 to 7 business days to process and they are ready for me to cash out. You will be able to pull my history and see this fact from prior years. 

This year I did the same process on XXXX though for some reason the XXXX points were still pending after the above time frame. On XXXX I spoke with BofA Rep XXXX and he apologized, said it should never take this long and gave me an additional XXXX points for the trouble caused. Plus he said he was writting up an Expedited email, Ticket # XXXX to make sure all XXXX points would be available to cash out on XXXX. 

On XXXX the points still were not processed so spoke with BofA Supervisor XXXX XXXX at XXXX who PROMISSED that the points would be ready for me to cash out XXXX. You can pull the recorded calls on both the above BofA Reps to confirm what they promised. 

On XXXX the points still were NOT processed. So I spoke again with XXXX and he and his Manager XXXX XXXX at XXXX pulled both above calls and bottom line, XXXX came back to the phone to say he and XXXX made a mistake in their promises. 

However will honor the above additional points though it would be ANOTHER 7 to 10 Business days. Please note, this time frame is just to approve the points,  it takes an additional 10 business days to receive the actual check. 

I asked that since the agree, it was their mistake, to owner what the Reps said and approve the points immediately and to send the cash out check via priority mail. XXXX said NO! So I filed a complaint with BofA Corporate office XXXX XXXX, Manager XXXX XXXX in the Delaware office. 

Received a call from XXXX XXXX on XXXX basically going over AGAIN why they will not expedite this process then said, " I am just going to be blunt, you should find another credit card company! '' Unacceptable so now I do not know if XXXX is now preventing my points from processing. Plus, you should never speak to a customer this way.

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 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Complaint XXXX has identity theft involved by medical provider and collection agency

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 09/26/2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (NM).
Issue: Application, originator, mortgage broker

Complaint: I submitted a request for an FHA case number transfer from Loan Depot over to XXXX XXXX. Loan Depot then told XXXX XXXX that I did not want to move forward which was a lie and I feel that this company thinks they are to big to be wrong. I am just trying to refinance my home with XXXX and Loan Depot is not allowing this to happen after a number of requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have XXXX XXXX from Merchants Credit Association contacting me at work after I have asked to not contact me at work. I left a voice message indicating to her not to contact me at work and she keeps contacting me at work. They have my home phone number and will call everyday and not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Items that are paid and closed are being reported as a 'Charged off ' status, and continue to report late payments although accounts are closed. In fact, a XXXX XXXX account that was paid in full and closed in XXXX is still reporting on credit bureau ; to be exact last reported in XXXX. 

Please review attached credit bureau and review the highlighted items. I believe this is unfair reporting and is causing me a lot of paid. 

Thank you for your attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Billing disputes

Complaint: For the past year or so, I have had my American Express account set to autopay the full balance from my checking account, through Amex 's bill pay feature. I changed that to pay only the minimum due, as I decided to carry a balance for a time. The XXXX payment was NOT taken from my checking account, and when I called Amex they told me that " the change can take two months to be effective. '' I immediately paid the minimum due, and while on the phone with the representative asked to correct the issue so that my autopay made the minimum payment due by the due date. This change was made by the representative while we were on the phone. 

The change the representative made was wrong, however -- and the XXXX payment took the entire balance, over {$8000.00}, from my checking account. I tried unsuccessfully with my bank to stop the payment, but when that did n't work I talked to Amex on the phone, who said once the payment had cleared they would accept my request for a refund of the excess payment. 

I called the next day, and asked that the excess be returned to me via ACH to my bank account. They agreed and said it would take " a day or two. '' Wednesday, five days after the initial payment was incorrectly taken, I got a message from Amex that they were unable to electronically process the payment, and were sending a check instead. Via electronic chat, a representative assured me that the check was sent " within 24 hours of my request, '' that they could cancel the check and issue ACH, but that it would probably be quicker to wait for the check. 

Friday, now XXXX days since issue began ; I have still not received the check and the online representatives could offer no better explanation than " the check is in the mail. '' My account shows that the balance has been adjusted to my account as of XX/XX/XXXX, but still no indication that the refund has taken place. Clearly anyone who said " it 's on its way '' prior to Wednesday was being untruthful. No responses to my requests for check number or postmark date. Supervisor " XXXX '' offered Wednesday to " personally follow up via phone '' no later than Thursday -- to no avail. 

I believe American Express has deliberately and systematically taken steps to delay their return of my funds to use my money in the " float. '' As of XX/XX/XXXX I am now incurring interest on money they have yet to return to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Debt collection (I do not know) with Strategic Alliances, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Good Afternoon, I am a US military service member, and a responsible citizen with a clean and well standing credit record. 
I was contacted by " FIRST FINANCIAL ASSET MANAGEMENT '' ( XXXX ) a Debt Collection agency. They contacted me to collect on a Fraudulent account, that was opened in my name in 2005, they threatened to blemish my credit profile and even attempted to " SETTLE '' the account. they have illegally purchased my personal information and identity from another debt collector or illegitimate source.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: This complaint is regarding Synchrony bank 's unfair and deceiving information reported to the credit bureaus. I have several accounts with Synchrony bank, however I have had problems with them lately, which resulted on negative impact on my credit. First, m y PayPal account was upgraded to a paypal MasterCard, a nd it did not mention anywhere that this was a separate account, unrelated, and now financed by Synchrony bank. They reported this as new credit, which i never auth orized a credit score to be pulled . I contacted them and was told ut would be removed from my credit report within 30 days. It is still there. I called every month, the same story. Unbeknownst to me, it appears that my automatic payments I had set  up with PayPal did not transfer to this, and Synchrony did not  send me a bill until late  XXXX   XXXX  telling me i was late on my payment. They reported this to all  XXXX  credit bureaus. I contacted them and was told at first that I was late only 1 month, and they do not report until 60 days. So they did not know why. Then superviser stated that I had been late since  XXXX . My account has been under investigation for theft, yet they did not notify me of anything being due until late  XXXX . Also Synchrony manages the Walmart card. I had identity theft, and someone applied for the Walmart card fraudulently. I contacted Synchrony several times, and gave them all police reports, and each time they promised they would remove this hard inquiry from credit reporting agencies. This was in  XXXX   XXXX . The inquiry is still there. Therefore I have now  XXXX  items from Synchrony that have negatively impacted my credit, a late payment due to misleading practices, a fraudulent inquiry not removed due to incompetence and disregard or else, and an added new account for which  my credit score was pulle d without my authorization. In addition, it is worth noting that that they approved me for furniture purchase credit, and I only used half of it. When however I went to use another {$500.00} they said they would need to get a credit report first even though i had over {$6000.00} available credit.

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 02/14/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried gaining access to my free credit report for the last few years with experian and equifax to no avail I had tried just in the last 30 days and was denied. The OOW out of wallet questions that are asked have nothing to do with me so I am unable to confirm what is actually on my creit report and have no way of resolving this matter over the phone with either agency which I find to be a joke. They want me to mail, not fax oir email, but mail them all of my personal information to try to obtain my own information which I am not okay with doing. If there is a way that I am able to get this issue resolved i would love to know how since i have been unable to find out how to get this fixed on my own.

Company response to consumer: Closed with explanation