milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On today X/XX/2016, I received a notice in my email from XXXX XXXX that a new account was added to my credit report. After login into my account I found out that the account was from a XXXX XXXX XXXX in the amount of {$120.00}. XXXX XXXX XXXX was notified by phone ( to number XXXX to XXXX XXXX and XXXX XXXX ) that they were in fact in violation of the FCRA, FDCPA for placing this alleged account on my credit report without prior notice in written as required under Federal and State Laws. I have no knowledge of this alleged account, never received and prior written notice before this alleged account was placed on my credit report and after it was placed on my credit reports. They are required under FCRA 1681-s2 ( b ) to verify any alleged account before reporting it to the CRA 's.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Over the last two plus years I 've received phone calls from CMRE, a debt collection company claiming I owe a hospital bill, but they will not provide me with proof. They 've called from numerous phone numbers in an attempt to disguise their identity when they call. I had not heard from them in close to a year, but they have begun to call again. The last phone call received was XXXX/XXXX/16 from 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 11-03-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: On XXXX I had another late charge for an insurance payment ; the funds were not available because of a previous illegal INSUFFICIENT FUNDS. 
On XXXX I had {$200.00} so I made a few purchases for the month from XXXX and XXXX. 
On XXXX my car payment hit that I forgot about through all the confusion ; this should have been the only INSUFFICIENT FUNDS FEE. 
Once again M & T placed this before all my XXXX purchases and I am facing another XXXX INSUFFICIENT FUNDS FEE or {$230.00}. 
The grand total since XXXX n they place the {$54.00} out of order starting this planned snowball effect will be {$340.00} for XXXX. 
Since I am on SS I keep track of every penny with XXXX and I did not do this. If M & T are going to jockey transactions around outside the normal bank ledger then they should provide the software to keep track.

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 08/21/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015, when I went to my credit card 's website to pay the monthly bill, on the date it was due, the website was down, and I was not able to pay my bill until the next day. This made my payment XXXX day late. 
The credit card company then added a late fee to my XXXX bill. 
In XXXX, I payed the monthly bill on time, paying the minimum amount that would have been due without the late fee, because I believed that the company should not have charged a late fee, when their website had been down at the time that I tried to pay my bill in XXXX. I expected the credit card company to have realized that their website was down, and to drop the late fee. 
Now, the credit card company is claiming that my XXXX payment is past due, because the wrongly assessed late fee is past due. And they are adding XXXX late fees to my XXXX bill. 
My complaint is Twofold : A ) The credit card company charged me a late fee for a bill that I was unable to pay on the due date because their website was down ; B The credit card company is charging me a late fee on a late fee, when I paid the regular minimum amount due on time in XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2017 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: As of  XX/XX/XXXX  I received a Experian copy of my credit report with no credit scores and there is still  XXXX  Hard Inquiries from 1.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX  ,  XXXX , Utah. XXXX .  XXXX   Dated  XX/XX/XXXX .
2.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   , Texas. XXXX . (   XXXX  .Dated  XX/XX/XXXX .. ( Unauthorize Hard Inquiries ) 3.  XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , Texas. XXXX , Dated  XX/XX/XXXX  . ( Unauthorize Hard Inquiries ) Why Experian did n't delete this Unauthorize Hard inquiries fro my credit reports.
Also my Experian credit score has n't be updated, as of  XX/XX/XXXX  my Experian is very damaging at  XXXX ..
 XXXX   XXXX .  XXXX   XXXX .
 XXXX  and  XXXX  has n't deleted all the unauthorize hard inquiries from my credit reports.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of XXXX, XXXX and Experian. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. XXXX XXXX and Experian XXXX I am XXXX XXXX and Retired.

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 01/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Money was not available when promised

Complaint: Coinbase was supposed to deposit XXXX XXXX to my account in 2014 but never completed the transaction. The transaction still shows in my account as pending. I have attempted to work with their support team for the last 90 days and have not received an update in the last 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a temporary modification via which the interest rate I am charged during the interest only period of my loan was more or less fixed. The interest only period will end in XXXX 2016 and the loan will become fully amortizing in XXXX 2016. Since I am permanently and totally XXXX and my income is not likely to increase I will not be able to make the fully amortizing payment beginning in XXXX 2016. I contacted Wells so that we could begin the modification process well before any potential delinquency. Unfortunately it is beyond clear, based on statements made to me by Wells ' employees, that they are either unable or unwilling to address my actual circumstances. I was expressly told yesterday that Wells would evaluate my information to see if there has been any change in circumstances since the temporary modification was made even though I am not requesting a modification for anything except the fully amortizing loan period. In effect, I am being told there is no point in my submitting any information since Wells is unwilling or unable to understand the fairly simple nature of my request which is to modify the fully amortizing loan terms scheduled, by contract, to begin in XXXX 2016. Simple math is sufficient to understand that I will NOT be able to make the fully amortizing loan payments nor do I wish to wait until I am already seriously delinquent which will happen beginning in XXXX 2016. Since first contacting Wells I have been told that I have a single point of contact and was told yesterday that I will be assigned a single point of contact. In any case what I need is to speak with someone who actually understands I am being proactive in the hopes that I can, inter XXXX, not become delinquent and not have to engage Wells Fargo in litigation to process what is, at present, a simple request. Because the nature of my XXXX involves having XXXX which has XXXX and because the XXXX any attorney from representing me in negotiations with Wells I am reaching out to the CFPB for assistance. I will also note that NONE of the " HUD counselors '' actually offer assistance and, instead, provide " workshops '' or what amounts to cheerleading neither of which constitutes any actual assistance in my case. While I realize, especially after having worked as a legal aid attorney, that most consumers do not seek assistance until they are seriously delinquent I do not believe that is prudent or in any parties ' best interests. Accordingly I am hoping that CFPB can assist me in reaching someone at Wells who, like me, sees the benefit of assisting me proactively and taking meaningful steps to ensure we do not wind up in litigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Payday loan, title loan, or personal loan (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 Fraud Department Check into Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute the following information that your company provided to Check into Cash. 

This item credit inquiry on credit reports is fraudulent because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Check into Cash have the item ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, I submitted a bank wire executed by XXXX XXXX XXXX XXXX. The Beneficiary Bank  is the XXXX XXXX XXXX. The beneficiary is Coinbase , Inc . The amount of the wire is XXXX dollars. On XX/XX/XXXX I received an email from Coinbase that my bank wire to Coinbase was rejected due to a mismatch in names. The email also specified that I was to receive a reverse bank wire within 7 business days, yet I have n't received the wire back to my account and it has been over a month now. It 's very disappointing that XX/XX/XXXX /Coinbase would take such a long time processing the reverse bank wire especially when the money is tide up and unable to be utilize. My Coinbase/XX/XX/XXXX account is XXXX. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Unexpected or other fees

Complaint: All the charges I have paid for Coinbase within the last month and beginning of this month, has been charged to my bank account twice.That is absolutely absurd and uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Student loan (Federal student loan servicing) with College Assist (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: To Whom It May Concern, I NEED YOUR HELP! I 've been unemployed/underemployed and struggling from XXXX XXXX until XXXX XXXX when I secured a job as a XXXX XXXX at XXXX XXXX XXXX School. I served this country honorably in the XXXX XXXX for eight years and never shirked my responsibilities to this nation. 
I was forced into bankruptcy and was terribly disturbed that I defaulted on my obligations ; however, I attempted my very best to work with my creditors. As I 've been digging myself out of the deepest hole of my life coming from a place where I lived out of my car for six months, I started to turn the corner. Teachers already struggle to make a living because there is n't any value in the educators of this nation. 
I submitted my education deferments for my student loans every year. My mortgage is due at the XXXX of each month. Recently, I discovered a company that I 've never heard of garnished my check which caused me to default on my mortgage and now I 'm under the threat of becoming homeless. This company : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account # XXXX This company on behalf of XXXX/COLLEGE ASSIST ( a company I 'm unaware of its existence ) filed legal paperwork without informing me or serving notice and just received a court order to garnish my check. 

College Assist XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Student Loan - Account Number XXXX I called after sending several deferments each year to the Department of Education concerning their rehabilitation program because my current income is so far under my expenses - I eat out of garbage cans some times to ensure my kids can eat. These XXXX companies have ruined my life and caused extreme hardship. As a military veteran - I 'm begging for help and relief from this situation. A Veteran needs help ASAP!!! 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Since XX/XX/XXXX Capital One stated they would close the checking account 360 due to a mobile deposit I made from a contractor. I explained to them was my first time working with the contractor but no problem close the account since they said no other option. I was told I would receive a check for the amount that was currently in the account on XX/XX/XXXX. I have waited patiently and been calling, emailing, and writing letters to the company to no avail or response. Before XXXX I realized they had NOT closed the account and have continued to accept a portion of my stipend as well as payroll every two weeks since the XX/XX/XXXX deposit. I was told the account was n't closed for some reason, but that I ca n't access the funds. Which at that time it was {$670.00}. Today the balance is {$750.00} and I was told on XX/XX/XXXX I would receive the funds to my linked account outside of Capital One on XX/XX/XXXX. This action did NOT take place. I called in again and was told the holidays throws everything off and I would see the funds on XX/XX/XXXX. As of today I still do n't see the funds. I have called all day yesterday and this morning and keep getting the run around. They are telling me I can not talk to anyone live in the case review department that it 's not an option, and I told them this is unacceptable. I ca n't understand how or why I have yet to receive my money. I told them I have been calling almost daily since XX/XX/XXXX and emailing and I understand they get backed up but this is insane. Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Medical) with LANIER COLLECTIONS AGENCY AND SERVICES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My wife serves in the XXXX so I always have TRICARE as my health insurance. 

In 2015, I started buying Blue Cross Blue Shield ( BCBS ) health insurance from my job. TRICARE paid the XXXX XXXX XXXX Service as an old routine. Then it withdrawn the money it paid to XXXX XXXX XXXX Service because BCBS become my primary provider. 

Now unable to collect money from BCBS, XXXX XXXX XXXX Service disclosed my information to Lanier Collection Agency to collect the {$100.00} from myself. 

This is unfair because I am paying two insurance coverage. the BSBC shall pay first and TRICARE pay the remaining. I am threatened and afraid that this debt collection will harm my credits. 

With the head problem and this new stress, Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Medical) with Ability Recovery Services, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX calls recently from Ability Recovery Services their number is XXXX. Apparently an XXXX XXXX in XXXX gave my phone number. As a contact number for here dentist`s office. And has not paid her bill. I explained that I do not know of any XXXX XXXX. And that my wife and I reside in XXXX. But they just keep bothering us!

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Advertising and marketing

Complaint: I signed up for a wells fargo credit card with two promotions. A {$150.00} bonus after spending {$1000.00} in the first 3 months and a {$10.00} statement credit for using their mobile payment app with the card. 

I completed both and did not receive either bonus. When I contacted Wells Fargo about the matter they would not answer my question as to when the bonuses would be paid. 

I would like both promotions to be paid.

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 07-01-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Customer service / Customer relations

Complaint: Hello, Summary - XXXX Citigroup Inc.customer representatives assured me {$650.00} credit which I never received as of today ( more than 2 months ). Multiple follow-ups have been done with the Bank. 
XXXX Sequence of events : 1 ) I opened an AT & T Citi Access Credit Card Account 2 ) I made a purchase of more than {$2000.00} in the first 2 months itself. 3 ) I called their customer support service to understand how I can avail the credit of {$650.00} which was part of the discount scheme if I spend {$2000.00} in first 3 months after opening the account. Customer representative confirmed me over the call that I can buy the phone from ANY store using AT & T Citi card and I will get the credit against the phone purchase. 4 ) Based on this confirmation I purchased a phone on XXXX XXXX 2016 from a BestBuy store. 5 ) Citi did not give me the credit so 6 ) On XXXX XXXX I called them again. This time Citi customer representative was reluctant to give me the credit but after talking to his manager he confirmed me that I will be getting the credit once I fax Best Buy phone purchase receipt and my account details to XXXX. I faxed the receipt and details after couple of days. 7 ) Till today I have not received the credit of {$650.00}. IF support representative had completely denied me the credit on XXXX XXXX I had an option to return the phone back to Best Buy store. 8 ) I sent 2 more messages ( from my online bank account ) to Citi asking for the credit. 9 ) On XXXX XXXX I called Citi customer service again. I was told call is being routed to Manager, XXXX representative said same thing that call is being routed to Manager, I will be getting a call from Manager etc. I am very upset and frustrated with the Bank as they misled me multiple times. On top of it then applied late payment charges on my account. 

My concerns are 1 ) I have not received the credit of {$650.00} and 2 ) Bank has applied late payment charges to me, this would not have occurred if they had applied credit to my account on time. 

I sincerely request you to look into this matter and help me resolve the issue. 

Thank You, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Advertising and marketing

Complaint: XXXX XXXX Reward offer a false promotion to cath a customer for their Hotels and credit card. I apply 1 mont ago for the XXXX XXXX credit card for the benefit to travel in their hotels and Saturday XXXX XXXX, i booked a trip directly for the XXXX for the hotel XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and the air fare tickets, after that, i called a XXXX XXXX assistance to apply for the benefit ( Club level upgrade and {$100.00} credit ) and the operator told my that is impossible because i booked my travel from third party ( XXXX ). 
I sent to XXXX the evidence to show that my trip was booked in their website directly, and the receipt from XXXX ( XXXX XXXX partnership ), never from XXXX, but they did n't want to honored the reward offered. I explained to XXXX XXXX assistant step by step how i completed my purchase from XXXX and send us the evidence but i no have any positive answer to solve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted 2 mortgage payments to Ocwen Financial, one on XXXX/XXXX/2016 and XXXX/XXXX/2016. Both payments were not credited to my account until the next day resulting in erroneous reporting to credit bureaus. I made the same payments on another mortgage with XXXX which both were credited the same day. Ocwen is the only company that will not post payment same day resulting in additional late charges and erroneous delinquent credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted all XXXX credit bureaus about my complaint about the numerous inquiries on my personal report. they have advised to write to each individual creditor and ask them to remove the inquiry. This is a task that a person who has a family or otherwise a livelihood can do. Even though I have submitted a request for a credit freeze this does not prevent inquiries from appearing on my credit report. I am requesting that after the credit bureaus review all of my complaints to the various creditors and understand the nature of the complaints they should remove these inquiries.

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