milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pinnacle Credit Services placed {$2100.00} against me on my credit reports stating that the original creditor is XXXX XXXX. This is listed on my CR 's with all XXXX credit bureau 's. I called Pinnacle Credit Services and I asked to speak to a manager on several occasions. The last time I called today they transferred me to a disconnected number, and hung up. I called again only to be told that nobody there would speak to me and that I had to pay the debt or I would be arrested and was told they do not have to provide me proof since they bought the debt. I called XXXX XXXX and they told me that they can not find any information, and that I had to speak with Pinnacle Credit Services. I do not owe a debt too XXXX XXXX nor Pinnacle Credit Services. This was placed on my Credit reports in XXXX of 2012. Every month this reports and makes it impossible for me to go forward financially. I receive numerous calls from Pinnacle only for them to hang up as soon as I say hello. I only know its them because I XXXX the calling phone numbers. I now have them blocked from calling me because now it 's also harassment with no communication. I filed a dispute today with the Minnesota XXXX. I have also disputed this debt with the Credit Bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion has XXXX negative items remaining on my credit file from a bankrupty that occurred in XXXX. And a carloan with XXXX that was open in XXXX is schedule to come off my credit file is still on my credit report. the partial account number is XXXX and it was in the bankrupty filing.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (CA).
Issue: Fraud or scam

Complaint: Equifax owes me XXXX since 2008 never recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I have sold bitcoin that I had on Coinbase. They immediately notified me that the money has been transferred via a wire to my XXXX bank account. This was in XX/XX/2017. I  waited a few days before contacting them when the money never showed. It took them about 10 days to send a template response saying transaction has been complete and I was wired the money. Never received it till now. They now stopped responding my request for resolution all together. Very shady to fraudulent operation. They owe me {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Debt collection (Medical) with Capital Accounts, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company told me that if I paid the account it would be deleted off my credit reports if paid in full. The account is still showing up on my XXXX and XXXX and has not been flagged for deletion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Customer service / Customer relations

Complaint: Credit card was declined for a {$29.00} charge. Credit limit on account was {$20000.00}. Amount owing was around {$1000.00} because I had just made a payment of {$6600.00} on time and statement balance in full. Called Chase CC : they gave no satisfactory answers " we 'll make a note ''. Asked to speak with supervisor. Male gave his name as " XXXX '' and when I asked for full name, said it was " XXXX '' on his birth certificate. I asked his employee number and he refused to provide it. This company has a record of declining charges. In this case, they sent an email where I verified I had attempted the {$29.00} charge. After verifying this, the card continued to be declined. Is there any consumer protection for poor customer service like this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This complaint is about XXXX card. I have a XXXX card which was due on XX/XX/XXXX. My daughter handed it to me today, XX/XX/XXXX. I called XXXX immediately to make the payment in full of {$4500.00}. I respectfully requested thats the late fee which was being assessed Be removed from my bill.I had the money and was intending to pay the balance in full as I have consistently done since I have had the card. Apparently, the bank has a policy of not forgiving the late fee more than once no matter how good a customer is or whether the bill was delayed unintentionally. I do not think I deserve to give XXXX XXXX an additional {$37.00} for three more days that passed by beyond the due date. I find it incomprehensible that a bank would be so rigid, greedy, and unforgiving. The size of the late fee is huge for a retiree on a fixed income.

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 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX canceled my contract because I was on roaming, so I should n't be responsible to pay them, they canceled me I did n't cancel.them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit card () with DISCOVER BANK (CT).
Issue: Credit line increase/decrease

Complaint: My credit line with Discover was lowered from XXXX to XXXX not too long ago, they claim a recent review of account/credit score is the reason for their decision. However, the account has been paid on time and never over limit since opening and if anything, the credit line should have increased. At the time of supposed review, the account was paid off with a XXXX balance. Please note, at time of account opening the agreement did not state I needed to maintain a certain credit score in order to keep the XXXX credit line. Please do not mark this as duplicate as there is additional information not previously disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Credit card) with N&S Partners (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The first person to contact me was a man pretending to be a process server. He said there was a complaint filed against me. When I checked on line I found no such complaint. When I called the number he left, a woman answered with very abusive and threatening language towards me. She said she was going to sue me and that I was a liar. She yelled for several minutes while I tried to reason with her calmly, but I finally had to hang up because she would n't stop yelling and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: I have been receiving notices from Macy 's via email since XXXX concerning a credit card statement. I have repeatedly notified them that I do not have a credit card with this company nor have I ever had one with them. I did have an online shopping account. In XX/XX/2016 I started receiving late payment notices concerning a credit card payment via email from Macy 's. I once again contacted the company via email and phone that I did not have a credit card and after all this I will never get a credit card from them. I did log into my online shopping account and noticed XXXX credit cards were listed on the account, none of them were mine. I notified Macy 's customer service who after a couple of months did close my online shopping account but that did not resolve the problem of me receiving the credit card statement notifications. I also requested that any reference to my email account be removed from their database, but that is obviously too difficult of a task for them to complete. I have now filed a formal complaint with the FTC and with the CFPB.

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 06-11-2015 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: I have called in weekly since XXXX/XXXX/2015, ... .... and each time I was told the file was in underwriting. I recently called on XXXX and was told the file was not in underwriting and has not been the entire time. I spoke to a manager XXXX XXXX ID XXXX ) who could not give me an explanation of what happened. I plan to resubmit a whole new packet as the original will likely be outdated. Please see that this new packet goes properly into underwriting and that the representatives are not falsely stating a packet is in underwriting when it is not. Thank you for your time and consideration in this very serious manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with CITIBANK, N.A. (AR).
Issue: Other

Complaint: I have a Best Buy/Citi Card. I was 3 days late on a {$25.00} payment, they charged me a late fee of XXXX. Since then they have been calling me from an automated service 3-6 times a day, even Sunday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The  XXXX   XXXX , Management company for  XXXX   XXXX   XXXX   XXXX , refuse to change or eliminate the amount they state is owed to them for cleaning damages to an apartment I rented from them for a year. I have videos of how I left the apartment ( which was fully cleaned which I submitted to them ). I also disputed the case with the current ap artment manager, who stated a different total owed, and that she only had record of a custodial che ck list submitted on the apartment.  <P/> The presence of this on my credit report is extremely damaging, especially with the company having no proof that I left the apartment in the condition they stated, of which I have dated videos to prove otherwise.  <P/> Dates rented t  he apartment is on the attached documents.
Total reported to t  he credit bureaus : {$2500.0  0} Total amount reported on letter submitted to myself and other property in apartment network : {$1600.00} No Rent Due ( as attached ).
<P/>  This is a huge difference. Not to mention, that although this was stated on their management report to my new apartment management, they did not reduce the amount on my credit report.  <P/> This is extremely damaging to my credit report, and is likely to come up every time I seek to rent another apartment.

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 06/26/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX. XXXX, XXXX ( Retired ) XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In reply to your letter dated XX/XX/XXXX Recd o/a XX/XX/XXXX Re XXXX # XXXX This is My FINAL communication with you! You have apparently not read or have Employees who can read the previous communications. <P/>I am a retired XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am XXXX YOA and have all my faculties. <P/>I am not impressed at with your False Investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two Statements and two advertisements do not qualify as an investigation. I think I have given you this statement previously. This was sent to XXXX early on : ( XX/XX/XXXX ) I contacted your support for help to get the XXXX router working, which I paid {$190.00} for. The XXXX worked great for about thirty days, and I have had nothing but trouble since. I have sought help from the company store, your local support, and by your Phone support without success. I have to reboot the router at least 4 or 5 times a day and recently every hour. My phone is also attached to the router and everyone is getting mad with me because they cant reach me by phone. I was still having problems with it when it was finally turned off! I have found an alternative service. I am terminating this account as of XX/XX/XXXX the date it was last used. Im enclosing my check for {$52.00} again, which is my FINAL PAYMENT for the XXXX Router Conection. I will take the other charges that I paid as a lesson learned. I have received far less service from you than I agreed to pay for. I am totally disappointed with XXXX, and I can never recommend you to anyone in the future. I will not pay for a system that does not work! This is the Last time I will waste a Postage stamp telling you whats wrong with this account. <P/>There is no law in the world that would require me to pay for a service that doesnt work. I paid all fees for seven months hoping we could have gotten this to work. I have all the bills they have continued to send me thru XX/XX/XXXX. Starting with a {$0.00} balance in XX/XX/XXXX to a {$230.00} in XX/XX/XXXX. Including your firm, I have received collection letters from 7 different collection agencies. Yours is the last. <P/>Yours Truly, XXXX XXXX O XXXX , XXXX Copy : CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: more than six months ago my account was disabled for no apparent reason, I tried to communicate by all means existing with coinbase but I do not receive any help, only emails to delay the help, I have all my funds there and I need to solve the problem what before The Coinbase support is really bad and they dont try yo help at all

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My car was financed through Capital One Auto Finance and in XX/XX/XXXX, following a car accident, was determined to be a total loss and my auto insurance issued payment to Capital One in XX/XX/XXXX. After the total loss payment had been made I still had a remaining balance on my loan. My account access was removed from online payment and automated payments because it was no longer an active account, so each month I had to contact customer service to make payment. My last payment was to be made on Saturday, XX/XX/XXXX. I called both customer service lines and both lines stated Capital One offices are closed and disconnected. I checked the web page to see if their offices were closed and seen nothing posted other than their business days and hours listed ; this includes Saturdays. I was finally able to submit my payment on XX/XX/XXXX, paying off my account and receiving my title. Mid XX/XX/XXXX, I received an email alert from XXXX stating there was a deragatory remark made to my credit report. When checking XXXX I seen that Capital One had reported my account as a charge off. I called Capital One customer service and explained that I had attempted twice to make payment on the XXXX and called both customer service lines in order to do so before their prompt stated the offices were closed and disconnecting. I had also contacted XXXX precious to calling Capital One on the XXXX and had no issue with speaking with them and making a payment, so I had no reason to believe or expect this to be a holiday. The rep stated that I had until the XXXX to make payment and I hadnt until the XXXX so the remark would likely not be removed. I then asked to file a dispute and for a way to submit my supporting documents. After being given a fax number that wasnt a working fax line, I used the fax line number listed on the Capital One web page. I received a letter stating that the remark would remain and payment was made after the payment date. I then mailed in my supporting docs and dispute information. I again received a letter stating the remark would not be removed. I had made several payments on saturdays previous to this and the rep would not answer if the office was closed on the XXXX. I had no other way of making my payment and yet I was being reported as a deragatory account when all efforts were made to pay off the account in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
BANK OF AMERICA XX/XX/2016

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 03-06-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: My credit card was charged 2 times by a company called XXXX. I disputed both charges with the credit card and the credit card ruled that I should have to pay XXXX because XXXX offered to refund XXXX charge. I never agreed with XXXX 's pay 1/refund 1 offer and was never told why both charges were not refunded. In the dispute itself, I made a downpayment for 2 XXXX XXXX tours that were both 6+ months away. Several days later, my wife called and wrote many times to ask for a refund for both 2 tours. XXXX never provided any service or value for my money and only reserved the XXXX tours for XXXX business days. I should get a full refund for both tours OR I should be shown where it is written that XXXX may keep my downpayment in this circumstance.

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 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ), and I am receiving my FBI report. 


Also the account with XXXX XXXX that was an authorized user account with the terminated status and {$5900.00} limit?. I have absolutely no idea whos account that is and under the FCRA 2009 ( a ) want it removed under the nature that the ownership of the account isnt even mine..

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 09/14/2017 about Mortgage (Conventional home mortgage) with ARVEST BANK GROUP, INC. (TX).
Issue: Trouble during payment process

Complaint: This compliant has two issues.
1 ) Loan open on XX/XX/XXXX On XX/XX/XXXX a regular payment was made totaling {$1100.00} of which XXXX principal XXXX was interest and XXXX was escrow. 

on XX/XX/XXXX a regular payment was made totaling XXXX of which XXXX principal XXXX was interest and XXXX was escrow. 

Question I. why was interest XXXX on XX/XX/XXXX when as of XX/XX/XXXX interest was paid up. Between XX/XX/XXXX and XX/XX/XXXX should only be 3 days interest. 

On XX/XX/XXXX I went on BI-weekly payments. There is a {$200.00} charge to start Bi-weekly payments and an additional {$7.00} charge per payment. I was told the charges results from the the payments being manually processed. 

Question 2. Despite payment withdrawal be made time all payments are posted on the 10 or last day before late charges. This allows the mortgate company to collect 10 days interest despite have the payment in hand. This has been happening the last 6 monthes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I keep getting calls from Midland Credit XXXX. They call multiple times a day with different XXXX numbers. When you inquire about the issue they do not give you enough information. They say this is about general collections, they give no creditor they are collecting for or any way to dispute their entry. They have bought my charged off debts and are not disclosing any information on resolving them. Midland just says that this is an attempt to collect a debt but does not give you anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation