milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Billing disputes

Complaint: JPMORGAN Chase refuses to conduct themselves according to federal regulation with respect to unauthorized/Fraud charges and have replied these charges to my account. 
On XXXX/XXXX/2016 I went online to pay my Chase C.C bill ( due on XX/XX/XXXX ). Noticed numerous unauthorized charges, could not locate my card. I called Chase reported and disputed these charges totaling around {$7000.00}. Chase removed them and conducted their investigation. XX/XX/XXXX billing cycle passed without news, XX/XX/XXXX billing cycle passed ( two complete billing cycles ) without news. On XXXX XXXX, the charges were placed back on my account. My balance prior to these charges was around {$4500.00}, now it is {$12000.00}. Further, Chase has decided to report that amount to the credit bureaus. I made several calls without resolution or an explanation. Therefore, in XX/XX/XXXX I requested the COMPLETE investigation file and all information Chase investigators used to come to their conclusion, but Chase refused to provide that file. Therefore, I sent Chase another request on XX/XX/2016 for the Complete file. 30 days passed and still no file. I made several more calls and finally received the file on XXXX XXXX, 2016, well pass the time allowed. Additionally, the file provided contains only receipts with numerous different signatures that do NOT match mine, and delivery information from XXXX confirming no signature was obtained. However, Chase and fraud investigator XXXX XXXX, continue to ignore federal policy. As of today XXXX XXXX, all charges continue to be on my account, I have filed disputes with the credit bureaus and Chase has verified the balance of {$12000.00} as accurate. I will be filing a lawsuit on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, I started a transfer for XXXX $ to my coinbase account from my business account at XXXX XXXX XXXX. I got an email saying the transaction had failed because I did n't have enough funds in my bank account. The email did n't mention it would automatically retry payment. So I just left it because by that time I changed my mind. Then on the XX/XX/XXXX I see XXXX $ has been taken from my bank account by coinbase which I did n't initiate it at all. Those funds have not been transferred to my coinbase or XXXX ( same company ) account since then for me to send it back to my bank account. For the longest time there was n't an option to email XXXX because it kept saying that they are backlogged and when I finally was able to, I have n't received a response. I tried calling them and no one has answered. It seems a lot of people are having problems like this with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Closing/Cancelling account

Complaint: I thought this issue was resolved. I cancelled my credit card with Bank of America, but they soon sent me another one ending in XXXX. I did not request it or activate it. Instead I cut it up and discarded it. Yesterday, I got an unsigned letter from Bank of America telling me they reduced my credit rating, issued me a credit line of {$500.00} due to delinquency on an account or payments on an account that were insufficient. The problem here is that I have NO active account with Bank of America. I have none of their credit cards, no loans, no debt whatsoever. I feel I 'm being harassed and punished for NOT activating their unrequested credit card. 
How do I restore my good credit and get Bank of America to leave me alone?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was improperly handled by the company in question and i 'm now at a significantly higher risk of credit fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2014 I transferred my XXXX account to my roommate prior to moving to a new home. Paper copies of the transfer were signed as well as confirmation made with XXXX after the papers were filed with them. 

Since that point, I have been contacted 4-5 times from collections agencies who XXXX has hired to collect on bills incurred after the account was closed. When I have called XXXX about these charges, they have informed me that they have no records of my communications with them occurring ( including the previous 4-5 times that this has occurred ). The typical resolution after 1-2 hours of time on the phone is that XXXX has " sorted out '' the issue, which they admit is their wrongdoing, before informing me that they 'll let the collections agency know. 8-12 months later, the process has repeated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Re : XXXXThree years ago, I was XXXX. I purchased XXXX domains in the name of the company and personnel. I made the mistake of leaving my credit card number on the account and the company did not change it. My name appears nowhere on the account, I can not log into the account, yet with my credit card number on file, they billed the card on XXXX/XXXX/15 for {$29.00}. I had not received a notice of renewal, in spite of the American Express card having expired. I called them numerous times pointing out that the account was not mine, I could not login to change anything, and I do not wish to renew the domains. I was assured by " XXXX in Billing '' that the expired credit had been cancelled from the account. On XXXX/XXXX/15, another " receipt '' from XXXX, this time for {$280.00}. Again, I called American Express to dispute the charge and placed a block on any future charges from XXXX. I also filed a complaint with the XXXX, AZ Better Business Bureau. I then called XXXX to find out why they had charged a cancelled card, only to find out from " XXXX in Billing '' that the card had been " renewed, '' probably by American Express. When I asked for the expiration date on the " renewal '' the date " XXXX '' provided was incorrect. " XXXX '' would not acknowledge the assurance from " XXXX '' and refused to remove my credit card number from the account without my providing another or that I contact the account holder to tell him provide a card. Following this, I contacted American Express again, this time requesting a fraud investigation since they had not, and would not, alter anything regarding a cardholder with any company without my permission and action. That can only mean that XXXX altered my credit card data on their account, which amounts to pure and simple fraud. XXXX insists that a " Protected Registration '' holds my liable for full payment since my credit card is on the account - but I am in no way involved in the account or company, and the card has expired anyway. They insist that I have to contact the name on the account, in spite of their holding all of his contact information, to get the account cancelled. I have now had to cancel the card and go through the process of resetting auto-debits to that card. A genuine nightmare!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear TransUnion I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Under the FCRA , I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors. 

XXXX XXXX XXXX XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's mistakes Because it does not match my records.

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 12/27/2017 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: Personal information incorrect

Complaint: For about the last 90 calendar days ever since that " Equifax Data Breech '' happened I have trying to get " Equifax '' to REMOVE an out-of-state address multiple times that I have NEVER lived at with NEGATIVE results. 
Around the middle of XX/XX/2017 I ordered my " Equifax '' credit report have the " Equifax Data Breech '' made the headline news on XXXX XXXX, etc. 
Under the " Previous Address ( es ) '' box it WRONGFULLY list that I used to live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX. '' I have NEVER even traveled to Minnesota let alone LIVED there. 
I work for the XXXX XXXX XXXX for the last 30 consecutive years. 
You have to live in the XXXX XXXX XXXX in order to be able to work for the XXXX XXXX XXXX with a valid XXXX XXXX XXXX driver 's license as I have. 
Yesterday I received ANOTHER copy of my " Equifax '' credit report with that WRONG " XXXX XXXX, Minnesota '' address STILL listed it!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Resurgent capital, LVNV Funding LLC, does not prove the debt is mine. The burden is on them to prove this and they have not done so. They state it meets FCRA requirements, IT DOES NOT.     They are required to remove the trade lines from all majo r Credit reporting bureaus. (  XXXX ,  XXXX , and  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 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 information incorrect

Complaint: I was recently made aware of a derogatory account on my credit report from a XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XXXX and that I had never received a bill for the amount in question. I also filed disputes with both Experian and XXXX to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The collection agency reported to the XXXX that they 're report is accurate and it was not included to the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this account was included in a BK XXXX and has since been discharged. this debt was just recently been place on my credit file and should have never been placed on my credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: I was using coinbase/XXXX since XX/XX/XXXX for automatic trading. Due to a bug in my software I violated their terms of use by sending too many requests to their API.  Unfortunately I overlooked a warning they sent me, so my XXXX account got locked and my coinbase account restricted on On XX/XX/XXXX to withdraws only. My XXXX  account had ~2500 on it when this happend ( which I am locked out of ). I responded immediately via mail and asked them to unlock my XXXX funds or even activate me for API usage again stating that I fixed my bug. 

I called them on XX/XX/XXXX. The service agent told me, he could not do anything for me and that he escalated my ticket to a specialist. After I did not get any response, I asked for an update on my ticket on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX via email. I also tried to contact the coinbase staff on XXXX. There has not been any response and I still have no access to my assets on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I 'm am unable to update my score and report as per my product to soft pull my report on equifax. I have called numerous times and it is fixed for a short period and then again has to be escalated to technical support so it " does n't happen again ''. I 'm on the phone for 1 hour each time and ran in circles. My creditors are unable to soft pull current information, the only information they can soft pull is from the last time my report was able to be updated. I 'm unsure of what information would be pulled during a hard pull. The supervisor I spoke to said that this is n't a new problem and they are aware of the issue. It is also frustrating to try and understand the representatives as they do n't speak very good English. I think this problem goes beyond paying for a service that does n't consistently work. It is my credit and they are put in charge of keeping accurate information for my creditors. I 'm concerned that if they ca n't get updated information that this will have a negative effect on my credit standings. I do n't have the same issues with my credit monitoring from XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have multiple loans through Navient and at some point XXXX XXXX. One of my Navient loans was placed into FORBEARANCE on XX/XX/XXXX. Since obtaining my first federal loan I have been in and out of college and in-between multiple jobs. Navient, XXXX XXXX, and Pioneer have all hounded me in regards to my loans ( by phone and mail ). During the time my navient loan was placed in forbearance I was not employed, living with my dad, and had XXXX income. I distinctively remember telling the woman from navient or XXXX XXXX that I had no way of paying and I did n't know what else to do. She stated forbearance was my only option. I told her I needed to think about it and I 'd call her back. She called ME back three times and on the third time I accepted forbearance. Every time I would talk to someone regarding these loans ( when I had missed payments/on the brink of defaulting ) I was always left clueless and helpless. On numerous occasions I explained I was unemployed with zero income and they 'd offer me some confusing deal ... never once suggestion an income-based repayment plan. It got to the point where I ignored their calls..they were no help. All my loans have defaulted at some point. XXXX/navient, at one point was calling me 2-3 times a day and my family members, even after I told them I had no money to pay and stop calling. All of this took place years ago between XX/XX/XXXX and XX/XX/XXXX, according to www.nslds.ed.gov. I do not know all the information regarding my loans but I believe my loans have been consolidated. I attempted to obtain more information from Navient but their website is n't responding and I am unable to get through on phone. Once again, my loan is on the verge of default. Feel free to contact me for more information. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Doctor visit was  XXXX   XXXX ,  2016 . Chapter  XXXX  bankruptcy filed  XXXX   XXXX ,  2016  and discharged  XXXX   XXXX ,  2016 . This debt continues to be listed on my credit report as delinquent. Additionally, my attorney attempted to send a dispute letter to the address the agency listed on my credit report, which was returned as undeliverable. My attorney believes that reporting inaccurate informatio n ( in the case the contact address ) to a credit reporting agency is an additional violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (VA mortgage) with WESTERN UNION COMPANY, THE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Starting in 2011, until last night, I was enrolled in Paymap Inc. 's Equity Accelerator program for a 30-year fixed-rate mortgage I have through XXXX. I found out last night that CFPB has taken action against Paymap for the Equity Accelerator program. How can I find out if I indeed was scammed by this program & thus received no added benefit, while I was charged an initiation fee of {$300.00} or so and also {$2.00} transaction fees for every payment. It appears as though everyone in this program was deceived. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our real estate company filed a counter offer on a HAFA short sale on XX/XX/2016. They called back to confirm the counter offer was received, here is the timeline of calls to SPS : XX/XX/XXXX sent update offer {$310000.00} XX/XX/XXXX New offer in review. sale date postponed XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX SPS states counter offer LOST NOT IN REVIEW! 
The real estate company confirmed SPS had the XXXX short sale counter offer on XX/XX/2016 which helped postpone a sale date. And then XXXX weeks later SPS lost my XXXX short sale. My major concern is because SPS has refused to stop the sale date of XX/XX/2016. So for the past XXXX weeks while I ca n't sleep at night because I have a sale date hanging over my head, SPS has been doing nothing to help me avoid a foreclosure or receive a HAFA short sale. I am furious! This is complete fraud, and/or dysfunction! And I am the one who may pay for the SPS incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: the address in MI ... I 've NEVER lived in that state

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: I acquired this loan on XXXX XXXX XXXX XX/XX/XXXX. I am so sorry that I ever agreed to let this company finance my loan. It has been nothing but XXXX and heartache. I have had this loan now for five years of XX/XX/XXXX. 
Over the length of this loan I have made late payments. The reason for this was either being laid off, lost a job and unable to find a new job. I am not currently on XXXX and making much less then I was making. 
Since the loan began I have made 45 payments. In those 45 payment I have made payments in the amount of {$18000.00}. From those monies the company has applied {$14000.00} to interest, {$3000.00} to the principal and {$1300.00} to late fees. So how is it over a five year period they have only applied a little of XXXX dollars to the principal. This clearly is a rip off. 
I received my current statement in the mail yesterday and they are telling me the amount due is {$1800.00}. They have to be at of their XXXX minds. I was behind and received a letter stating that they wanted {$1000.00} to make the loan current and I made that payment on XX/XX/XXXX. Then in XX/XX/XXXX made a payment of {$400.00} They are clearly taking advantage of their customers. On this statement they are saying there is past due amount of {$400.00}, accrued interest in the amount of {$210.00} and Unpaid late fees in the amount of {$1000.00}. 
This is absolutely crazy that these creditor are allowed to take advantage of hard working individuals. So my loan it do to mature on XX/XX/XXXX. How in the world will that ever happen at the rate they are XXXX me?????????

Company response to consumer: Closed with monetary relief