milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I WENT TO PAY MY CREDIT CARD BILL ; WAY BEFORE DUE DATE AND IT SAID MY XXXX ACCOUNTS WERE RESTRICTED. IF ANYTHING I PAY XXXX WEEKS BEFORE DUE DATE ... ..THEY SENT ME A LINK TO UPLOAD MY XXXX XXXX ID, AND COULD NOT SUBMIT IT ... ... THEY THEN TOLD ME, THAT I WOULD HAVE TO FAX MY STATE ID, SS NUMBER AND ELECTRIC BILL ... .... 

THE BANK THAT ISSUED MY CREDIT CARD IS XXXX XXXX ... ... ... I DO NOT FEEL COMFORTABLE FAXING, OR SENDING VIA XXXX XXXX MAIL ... ... ... ... THEY, THE SECURITY DEPT. WO N'T GIVE ME A SATISFACTORY ANSWER ... ... THEY SAID SOMETHING ABOUT MAKING SURE THAT I WAS WHO I SAID IT WAS ... ... ..BEEN USING THE CARDS 5 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was given this link when I obtained my Equifax free credit report to make a dispute for incorrect information, it does n't work -https : //www.ai.equifax.com I called, ca n't get a real human on the phone. 
I never have been, nor ever will be XXXX XXXX, I am XXXX XXXX. How a major credit bureau could XXXX up my last name is beyond belief!! My XXXX is XXXX XXXX. I need this corrected with the recent breach I 'm afraid someone is going to use my credit with the wrong last name and get away with it. Before that nightmare begins can you please help me get Equifax to fix my last name on my entire credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from AAFES stating that a debt was being referred to a collection agency. However the account I had with AAFES has been paid and closed. Also the account information is incorrect. When asked to verify the debt. No itemized bill statement was provided showing each charge of the over {$2000.00} debt suggested. No original paperwork for which I would have signed for the account was ever provided.

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 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is incorrectly and illegally reporting my XXXX Bank installment account as a bankruptcy. I have never filed bankruptcy and XXXX and XXXX arent reporting a bankruptcy they are reporting it correctly. SEE ATTACHED CREDIT REPORT PAGE

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 06/22/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 there were XXXX ( XXXX ) unauthorized ATM withdrawals against my checking account and another XXXX ( XXXX ) unauthorized ATM withdrawals on XXXX XXXX, 2015. All XXXX ( XXXX ) unauthorized ATM withdrawals occurred in XXXX XXXX, XXXX. I was never in XXXX, I know no one who lives in XXXX. I work full time as a XXXX for XXXX in XXXX. I worked on XXXX XXXX, 2015 from XXXX to XXXX. I could not have possibly been in XXXX for the withdrawals. No one had access to my ATM card and the card has always been in my possession. I did not disclose my PIN number to anyone. The last time I used my ATM card on XXXX/XXXX/15 at XXXX in XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. On XXXX/XXXX/15 I went to the Citibank ATM at XXXX XXXX XXXX, XXXX, XXXX XXXX to see why I had no available funds. I printed out mini statements that showed unauthorized ATM transactions. On XXXX/XXXX/15 I called Citibank customer service and filed a complaint of unauthorized ATM withdrawals. I received a letter dated XXXX/XXXX/15 from Citibank stating that they refused to credit my checking account for the unauthorized ATM withdrawals. I have filed a police report of the theft of my identity and money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX I filed a complaint # XXXX Re : XXXX charging my credit card a {$50.00} " restocking fee '' for a phone that I bought on XX/XX/XXXX and returned to the same XXXX store on XX/XX/XXXX because it did n't work as promised. On XX/XX/XXXX I got another bill from XXXX advising me that they plan to auto bill my Barclay card for {$25.00} on XX/XX/XXXX. I called Barclay today and disputed this new charge. The case number is XXXX. I have emailed XXXX XXXX disputing both the {$50.00} " restocking fee '' and this new {$25.00} mystery charge. 
I DO NOT have a XXXX account, a XXXX phone, and I DID NOT authorize this mystery fee of {$25.00} or any other charges since the day I returned XXXX 's phone and closed my account, and ended forever my no-contract cell service with 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 02/23/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX, representing a homeowner in the short sale of their property. We have been trying, myself and the homeowner, to communicate with and get an update from Ocwen regarding the status of the short sale approval. We have provided all documents requested - MULTIPLE times. Every time we get someone on the phone, most recently it was Agent # XXXX, just this morning, they disconnect our call! As soon as I began telling this person that we had already submitted the document she was requesting, multiple times, the phone clicked off, dead. The same, exact thing has happened multiple times to me - bu ONLY when speaking with Ocwen " relationship managers ''. They never call back and when we attempt to call them, we can never speak to the same person, and within a few minutes of explaining that we have already submitted every document they are requesting, they hang up on us! I am a XXXX. I 've XXXX in my career. This behavior from Ocwen is notably different from all others I 've dealt with. I can only assume they are intentionally trying NOT to allow the short sale and would prefer to foreclose on this property. I DO have a purchase contract on this home, from a pre-approved and committed buyer. We are ready to proceed and close this sale but Ocwen is not cooperating with us. They have made it impossible to proceed by continually requesting the SAME documents over and over and then hanging up on me when I explain I 've already submitted those documents. I have time-stamped emails proving that I have submitted the documents at least 4 times, some of them more than that. This has been going on since late XXXX 2016. I have reached out to Ocwen at various email addresses : XXXX, XXXX, XXXX, XXXX. I never get a reply back other than to request the same documents I just sent them. We are going in circles and I need the CFPB to step in and help us.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I got a bill from paypal credit. I never signed for a credit acct. I always use my bank acct. to pay. they want XXXX plus interest. I notified them and their bank 6 times. still getting a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of FTCA I have also asked that my inaccurate information be corrected and has failed to do so Please 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 08-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: On XXXX XXXX, 2017 at XXXX I initiated a transfer on Coinbase exchange of XXXX XXXX from my Coinbase Multi-syg vault to my Coinbase XXXX wallet. My intent was to transfer this amount to my XXXX Wallet and then transfer off the exchange prior to XX/XX/XXXX, in order to receive XXXX  currency during the XX/XX/XXXX XXXX XXXX. Coinbase previously sent instruction that if users wanted to obtain XXXX currency they would need to transfer money off the exchange as Coinbase was not supporting XXXX. Legally it is questionable whether Coinbase has the ability to even withhold XXXX. Common law dictates that products of an asset belong to the owner of the original asset. Furthermore, Coinbase, Inc has not explained what it plans to do with the valuable XXXX tokens it acquired following the hard fork. However due to Coinbases ' instruction, on XX/XX/XXXX, it led me to transfer the funds on two occasions from my Coinbase vault to my XXXX wallet using the protocol offered by them. However, on both occasions I received an error message when I clicked the approval button. In response, I decided to cancel the transfer the coin, while I obtained customer support ( I clearly stated in my customer support ticket on XX/XX/XXXX that my intent was to secure XXXX currency ). After canceling the transaction by selecting the cancel option I received a confirmation email to confirm the transaction was canceled. However, since that time my XXXX multi-syg vault and XXXX wallet both show {$0.00} balance and I have lost access to the XXXX XXXX funds. My account continues to show the transaction as waiting for approval yet provides no options. I have written numerous support tickets in an attempt to resolve the issue, that have not been responded to by Coinbase support. I attempted to use XXXX mult-syg tool in order to also obtain access to my multi-syg vault, using my public/private keys yet the tool was ineffective. I repeatedly wrote tickets to XXXX support for over 5 consecutive days yet have received no response other than an automated response acknowledging receipt of ticket. Due to Coinbase negligence and unresponsiveness I was unable to gain access to my funds prior to the XX/XX/XXXX XXXX and therefore unable to obtain my XXXX coins. It has caused me significant emotional stress and inability to utilize my funds.
I still have not heard back from Customer Support.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with LEXISNEXIS (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This very small insignificant CRA typed the following verbatim response to the CFPB one month ago : LexisNexis Risk Solutions ( " LexisNexis '' ) responds as follows to XXXX second CFPB complaint against LexisNexis ( Case Number : XXXX, filed on XXXX/XXXX/2016 ) : In XXXX latest CFPB dispute, Case Number XXXX, he disputed that LexisNexis did not address his concerns in his initial CFPB dispute, Case Number XXXX. We apologize for any confusion we may have caused XXXX XXXX. The duplicate liens and addresses XXXX XXXX references are not being reported in consumer reports provided by LexisNexis. A copy of XXXX reports will be mailed to the address referenced in his complaint. 

If XXXX XXXX has additional concerns he may contact the LexisNexis Consumer Center at XXXX, during the hours of XXXX and XXXX EST Monday-Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Medical) with Armcon Corp (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This XXXX treatment was paid at the time of service.In addition I possessed XXXX insurance ( 100 per cent coverage ) at the time of treatment.I have disputed with XXXX and XXXX credit bureaus and only XXXX has deleted while XXXX has verified and XXXX has taken no action. 
I do not want to be designated and damaged by this debt being proliferated to 3rd parties, when in fact it is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I HAVE BEEN SUBMITTING THE SAME HANDFUL OF CLAIMS TO MY BANK, Wells Fargo SINCE THE END OF XX/XX/XXXX, THERE ARE A FEW TRANSACTIONS BUT THE ONE THAT STICKS OUT THAT I ORIGINALLY CALLED FOR WAS FOR A BUNCH OF ATM WITHDRAWALS FROM MY SAVINGS ACCOUNT AT 3 GAS STATIONS OWNED BY THE SAME PEOPLE, THEY ARE ALL THE XXXX XXXX AND THEY WERE ALL ON XXXX XXXX XXXX. I DID N'T DO THIS, I DID N'T TELL ANYONE I KNOW TO DO IT, I DID N'T TELL ANYONE MY PIN. THERE WERE OTHER TRANSACTION IN MY CHECKING TOO. I WAS AT THE TIME IN PROTECTIVE CUSTODY BC I WAS IN AN UNSAFE POSITION AND I NEEDED TO BE PROTECTED. I HAVE XXXX, XXXX, XXXX AND XXXX. WHILE THIS WAS GOING ON I WAS LIKE I SAID GOING THROUGH SOME OF THE WORST TIMES IN MY LIFE. OVER THE NEXT FEW MONTHS IVE BEEN HUNG UP ON, THREATEN, BEEN LIED TO, BEEN GIVEN INCORRECT INFORMATION AS IT PERTAINS TO MY CLAIM, ON MULTIPLE ACCOUNTS, IVE BEEN TAUNTED, DISRESPECTED, TALKED DOWN TO, ACCUSED OF THINGS, ACCUSED OF LYING, YELLED AT, TALKED TO LIEK A CHILD, BEEN TRANSFER TO PEOPLE THAT WERE NOT WHO I WAS SUPPOSED OT BE OR EVEN NOT THE RIGHT DEPARTMENT, IVE HAD MORE ABUSE BY STRANGERS WHO ARE SUPPOSED TO HELP ME AT THIS BANK DEALING WITH THIS THAN I HAVE HAD IN MY WHOLE LIFE. IVE BEEN PROMISED SO MANY THINGS BY PEOPLE TRYING TO HELP AND NEVER ONCE HAS IT HAPPENED, I AM STILL OWED AT LEAST XXXX AND THEY KEEP DENING MY CLAIM BC I CAN NOT SAY FOR SURE THAT I DIDINT AUTHORIZE EVERY SINGLE TRANSACTIONS ROUND THAT ETIME BC ITS BEEN 4 MONTHS AND THEY WERE ALL DONE OVER THE WEEKEND.

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and onXX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Payday loan) with Mid-Atlantic Consumer Services (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They relentlessly called my work, even though I am currently on short term XXXX, the refused to send me proper verification that the loan existed and they told my employees personal information, and even tried to tell them they would serve them papers to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have filled a number of complaints about this company and the way that my mortgage has been handled. Most recently I filled a complaint stating that the bank was asking me to provide information that we had already provided and or information that was not relevant to my request to short sell my home. I received a response from Wells stating that they did in fact find errors in the way that my account was handled and that they were asking for things that were not needed. Also they approved my request for a short same right away after they admitted that mistakes were made. I am not sure that they reviewed the entire 23 months of my short sale process so far, or only the recent months. I want confirmation hat the entire time frame was reviewed because we have been going through this, and having the same problems this entire time! The customer service and the staff knowledge at Wells Fargo is horrible! 
I called to address this with Wells Fargo and explained that if they made mistakes on my mortgage and that it caused me to fall even further past due then they needed to fix the reporting as they were at fault for the time frame that this has been taking. The individual that I spoke to claimed that the entire time frame was reviewed but I have a very hard time believing this given their track record. She also told me " you have not made a payment for 22 months ''. Why yes ... I have not paid for 22 months because I have been trying to short sell my house and I can not make a payment while trying to sell my house! She assured me that she would review this and would reach out to me with her " findings ''. Shortly thereafter I get a letter in the mail ( attached ) stating that they were not going to change the way that the account was reported. 
I find it so sad that this bank can just mishandle accounts and not have any accountability for their actions. If my account was handled confidently and in a timely fashion I would not be this far past due. We probably could have had this completed MONTH if not YEARS ago!!! I know that Wells Fargo is known for opening checking accounts without the customer 's knowledge but it appears we should add " ruin customers financial futures for the fun of it '' and of course not hold you accountable. That sounds about right. Shame on 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 08/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Billing disputes

Complaint: Dear XXXX, I am writing this letter in support of my dispute with American Express and XXXX XXXX. I had purchased XXXX XXXX XXXX tickets with my Amex Card in on XXXX XXXX XXXX. Due to medical reasons my parent could not fly and we had to cancel the trip last minute. We requested XXXX XXXX for a refund and they would not honor the request inspite of this being a medical emergency. 

We filed for a dispute with Amex in XXXX XXXX. The result was in the favor of XXXX XXXX. Terms of settlement were that the fare can be used by my parents for a period of a year and a change fee will be applied. 

In XXXX of last year we found out that my mom can not can not fly for extended period of time due to medical reasons. ( 18 months ). Per documentation from XXXX XXXX, if the customer can not fly for an extended period of time, with a supporting medical letter, they will honor a refund. I contacted Amex and filed a dispute in XXXX XXXX. I repeatedly asked the agent to accept the medical letter. I was told that Amex would n't need XXXX to support my case. The case was ruled in favor of XXXX XXXX. 

I reopened the case in XXXX XXXX. I sent a support letter and a copy of the medical records. My argument was very simple. Please refund the money or issue a transferable credit that XXXX of our other family members can use. For a Third time the decision was made in favor of XXXX XXXX with the same terms, that the member can use the credit to book a flight upto a year. i.e. XXXX XXXX. They ( XXXX XXXX ) also said that supporting medical letter was not enclosed. I had sent the letter and Amex has received it. The dispute department failed to attach the letter. 

The Airline now refused to issue any credit as its past the 1 yr period. 

For the fourth time I reopened the case in XXXX XXXX. I sent an explanation letter as requested by Amex, and a copy of the medical records again. I explained to the associate the problem that Amex did not provide the medical letter which XXXX requested. I was assured that this would not be the case and this time it would be a smooth sailing as they have all the documents on file. I was assured that Amex has great customer service and this is a XXXX off exception. For a 4th time the decision was made in favor of XXXX XXXX who also said that supporting medical letter was not enclosed. 

It is past the 1 year deadline. Amex has dropped the ball 3 times and now I have lost the money paid to XXXX XXXX because they fail to do their part.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit card () with SYNCHRONY FINANCIAL (DE).
Issue: Credit card protection / Debt protection

Complaint: i have been paying a monthly fee on my amazon store credit card account for the credit card insurance to protect my account and pay my account in cases of XXXX or other reasons and i have filed claims and request the balance be paid in full since i am no longer able to work due to permantley XXXX and the card security has failed to do so only making the Minimum payment on my account and causing me to get charged additional intrest fees and causing my account to over limit and on top of that the credit card insurance fees every month, i feel this is a scam and fraud that be charged these high premium insurance fees and when i apply for the insurance protection that i am titled to they always decline the claim based on nothing.

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