milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I became aware of being a victim of identity theft when I received a call from XXXX Police to come into the office for an important matter. At the initial meeting, my information such as SSN, Driver license, as well as my citizenship paper were in the hands of the officer. It was then that I went to review my bank account and credit report to realize the monies had been taken out from my bank account and numerous of bank cashed checks as well as credit card were under my name. With this action, there is a court case still in pending status. At this time, I have tried to open another bank account so I can cash my checks from work to continue my daily life, however, I am unable to do so due to identity theft and the inquirer information of my CHEXSystems report. I have been informed and directed to this website to file a complaint. Please advise. 

Thanks, 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 12-11-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I transferred XXXX euros to Coinbase by bank transfer. The money was not there the day after so opened a support ticket. 9 days later they replied with a generic response. I have contacted them many times since but still dont have the money in my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (AR).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Payoff was sent via XXXX XXXX and received by Chase Auto Finance on XX/XX/XXXX. This has been confirmed by XXXX XXXX and Chase has acknowledged that the address was the correct address. Before we sent the payoff we called Chase and they said if we included the Confirmation Number Chase provided with the payoff quote, it would be credited upon receipt. Today, my account still shows past due for the payment due XX/XX/XXXX. I called once again, after calling several other times, and sending several secure messages on Chase 's  site. Today, the Senior Customer Account Rep tells me the payoff was sent to a bank in Oklahoma because they could n't figure out what the check was for. Strangely, they could tell me the check was sent back by looking at my account, but they could not figure out how to credit the account. The check was issued from a bank in Arkansas. I have received several messages from Chase but none of them explained to me that the check had been sent to a bank in Oklahoma. I have talked with them several times in the last three weeks and until today no one told me they had sent the check back on XX/XX/XXXX. I do not want my credit ruined due their mistake. Additionally, we sold this vehicle to an individual who is unable to register the vehicle, because Chase has not credited the payoff and released the title. This is not the first time Chase has disappointed us. Someone needs to investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SOUTHWEST CREDIT SYSTEMS Address : XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$180.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 


Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$180.00} High Balance : NA Recent Balance : {$180.00} as of XXXX Recent Payment : {$0.00} ( Someone fraudulentlyopened up an account ) and my address for the last 2years XXXX, XXXX Nh XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/24/2015 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (IL).
Issue: Fraud or scam

Complaint: I paid {$1700.00} via wire transfer ( which I have done successfully before, although not same property/person ) to a XXXX XXXX XXXX for a vacation rental from an ad off of XXXX. 
The home to be rented was XXXX XXXX XXXX. XXXX, FL XXXX. 

Financial details are as follows : XXXX XXXX XXXX XXXX BankAccount # : XXXX # XXXX Name : XXXX XXXX XXXX I was corresponding with a supposed XXXX XXXX XXXX XXXX 
I sent an email on XXXX/XXXX/15, confirming we were still set for our XXXX/XXXX/15 arrival. 
I received the following response from the XXXXXXXXXXXX email : On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : ok madamOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : You are full of XXXX. 
What are your credentials? 
Please keep writing back, so we can pinpoint your IP address to see where you are located. 




On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : we used our monitoring team to take away his account from him and we saw your details, we are also here working on the underground investigationOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : So how is this the XXXX team, if this email is coming from a XXXX account? 

If this is a scam, you can believe I will find you and get my money back. The authorities and my bank have been contacted. 

On XXXX XXXX, 2015, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hello XXXXThis is XXXX management team, we have seized the posting from XXXX, his posting was a scam. please stop all contact with himXXXX group teamOn Wed, XXXX XXXX, 2015 at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, Just reaching out to make sure we are all set for our XXXX XXXX arrival - correct? 

Just want to make sure we are all set before we head out : ) Thank you! 
XXXX from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Payday loan debt) with GMA Investments, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Summit recovery continues to call my business line and leave messages although i have asked for proof of debt in writing. I do not know anything about this debt, they state it is for a payday loan which is illegal in the state of arizona, so I suspect this is an attempt to fraudulently attempt to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I filed for an income based repayment plan and every time i called they would say they needed something else and putting the account back in forebarence. When i finally argued with them in XX/XX/XXXX they said it was approved but never gave me the new payment. They put the account back in forebarence without my permission. When i finally saw my payment in XX/XX/XXXX it was the same payment i told them i could not afford in XX/XX/XXXX. Now what do i do?

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with Transunion and XXXX, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.

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 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a security alarm account with XXXX XXXX that was sent to collections XX/XX/XXXX. The last bill I received from XXXX XXXX was XX/XX/XXXX and states that I owe {$210.00}. In XX/XX/XXXX I received a bill from Hillcrest Davidson stating that I owe {$430.00}. I called XXXX XXXX and asked them how much I owe them. I spoke with XXXX customer service reps and they both told me that I owe {$210.00}. I asked them why was the collections agency charging me {$430.00}. I was told by XXXX reps on two different occasions that the collections agency was charging me fees. I filed a complaint with the XXXX because this means that Hillcrest Davidson is charging me {$210.00} for fees. Harrison Davidson responded to my complaint and said that XXXX XXXX added fees to the account. I responded by telling them that XXXX XXXX told me that Hillcrest Davidson added the fees not them. I 'm still waiting for their response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Other

Complaint: Apon checking my credit report I found Capital One is reporting XXXX credit cards against me. I wrote and asked them to remove these accounts as well as the inquiries from this company because acccording to the Fair Credit Reporting Act they have exceeded their alloted time to report against me. Capital One is ignoring me and the law states they have to remove these accounts. Capital One keeps sending me these letters asking me to submit things they know I do not have because I have already sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (AK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/15 I paid Transworld Systems Inc. for an old military debt on my XXXX XXXX Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted Transworld Systems Inc for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the XXXX XXXX XXXX card and the balances between the collection agency and the debtor do not match. Transworld has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XX/XX/XXXX XXXX Creditor contact details : continental Fin co XXXX, DE XXXX XXXX Inquiry from XX/XX/XXXX Creditor contact details XXXX/XXXX XXXX, MD XXXX XXXX/XXXX Inquiry from XX/XX/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 06/30/2016 about Bank account or service (Other bank product/service) with FLAGSTAR BANK, FSB (CA).
Issue: Account opening, closing, or management

Complaint: I have been enrolled in the California 's hardest hit fund ( Keep Your Home California ) and Flagstar has been unresponsive to requests I have made detailing how these payments have been credited to my account

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 04/15/2017 about Debt collection (I do not know) with ERC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I do not know what this about and what it is for? I have no idea and I would like it removed from my credit. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been XXXX by the loaners. I can not continue to have them garnish my wages because i have been trying to pay them off for years and now i can not even attend college anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage is paid to and serviced by Select Portfolio Servicing , Inc., ( SPS ). In XXXX, XXXX my credit score dropped XXXX basis points. I was shocked and concerned as nothing in my life had changed that would have resulted in this drop. I investigatedimmediately by obtaining a copy of my XXXX credit reports ( XXXX, XXXX, XXXX ) and immediately noticed that SPS was reporting that I had a 30 day late payment in XXXX XXXX. I proceeded to write SPS on XXXX XXXX, XXXX and provided irrefutable proof that the payment was in fact, NEVER late. The irrefutable proof was a copy of my XXXX XXXX bank statement that showed my XXXX payment cleared my account on XXXX XXXX, XXXX and my XXXX payment cleared my account on XXXX XXXX, XXXX. I asked them to immediately correct their records. I assumed within 30 days this would be behind me and that SPS would agree that they had made an error in reporting my account 30 days late for XXXX XXXX Boy, was I wrong. To my surprise I received a form letter dated XXXX XXXX, XXXX signed by XXXX XXXX, stating in part ; " Our review of the information confirms that the information we provided to the credit reporting agencies matches the status of your account. Based on this, we will not request a change to the information we provided to the CRAs ''. Since I provided irrefutable proof to SPS, I am shocked that SPS has taken an untenable position. I wrote a second letter ( certified mail ) to SPS on XXXX XXXX, XXXX giving them 5 days from receipt of the letter to change my payment history to reflect the truth, which is my XXXX XXXX payment was never late ). I also demanded any proof and evidence to the contrary that my position is incorrect. On further investigating SPS, I have found that there are literally XXXX complaints lodged against this company, which is owned by XXXX XXXX. This company has no business being granted a license to operate anywhere in the U.S. let alone being responsible enough to conduct financial operation 's here. SPS has ruined my credit, which I have diligently worked so hard to restore after the Great Recession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: Care credit credit card ( Synchrony Financial ) did not refund the charges made by dentist XXXX from XXXX located at XXXX, CA XXXX for {$2500.00} now they are charging me with {$5200.00}. On XXXX XXXX i went to see dentist XXXX for a replacement of a XXXX. XXXX broke my XXXX, which was not included in the treatment while he was removing the old XXXX. After abusing behavior that included violent word, XXXX failed to refund the {$2500.00} in CareCredit charges. I did not go through the treatment since XXXX broke the XXXX that was not part of the treatment. I cancelled the entire treatment but XXXX refused to accept it. I went personally to show him the XXXX he broke with his dental tool while he removed the XXXX, but instead of accepting it, XXXX started speaking to me in a violent manner. XXXX made me laid in his dental chair, and approached his face really close to mine and started screaming at me. Forced a XXXX. It only made it worse. Now is XXXX while i eat. The XXXX and needed to be replaced. That XXXX was placed a year earlier by XXXX XXXX, and did not need it to be replaced. I complaint with CareCredit credit card for the charges, to remove the charges. CareCredit did not removed the charges. I complaint several times to them, but nothing has been done since the incident with dentist XXXX from XXXX since XXXX XXXX, So, today XXXX XXXX, XXXX, CareCredit called me from CareCredit Collection to notify that i own {$5200.00} because of interest charges and financial expiration charges. And sent a statement of the {$5200.00} that I need to pay. Last time i made a payment was onXX/XX/XXXX for a {$240.00}, and it was when I owned only {$2000.00}. Now according to the statement I have to pay {$5200.00}. The remaining balance was due to dentist XXXX charges without providing dental services and without refunding the charges XXXX knew i was not agree on. Care Credit failed to correct, even when I filled several complaints through them and now they XXXX the amount charged by dentist XXXX. After calling many times, they only care of how much more care credit are over changing my care credit credit card. Now collection from CareCredit want me to start paying minimum balance of {$470.00} to pay the overcharge balance of {$5200.00}. Neither Dentist XXXX from XXXX not CareCredit are willing to refund the amount or correct the amount. Now Care credit collection are calling me to pay a service that I have never agree to and never received the product in this case the crowns or service. I did not went through any implant procedure with XXXX, due to XXXX abusive and aggressive behavior, XXXX placed XXXX of the XXXX ( XXXX ), but it was paid by my XXXX XXXX XXXX, it was about {$1500.00} that XXXX charged my dental insurance only for XXXX XXXX. XXXX address XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Both of my parents received calls from phone number  XXXX  #  XXXX  for me fr om the county  court processor stating that i needed to call  XXXX  case number  XXXX . I contacted the number and spoke with  XXXX  ext.  XXXX . He stated that i owed  JC Penny monies  in the amount of  XXXX  dollars and if it went to court it would be in the amount of {$5200.00} but to avoid going to court they would settle for {$1000.00} if i paid today but i had to pay by the end of the day  Pacific Standard Time.  I did have an account with  JC Penny a ny years ago. I told them i would pay if i could verify their business. I could not verify their business with the BBB,    California department of Business oversight,  the Attorney General of California or even through  XXXX  with the address listed on the email i received.. When i contacted the business again and stated that i could not verify their business i was put on with a supervisor by the name of  XXXX   XXXX . He stated that their parent company name was   XXXX   XXXX   out of  XXXX   XXXX  California. I also could not find any information about this company.  XXXX  was getting very defensive once i was asking him about a business licence number or state licence number. He stated that California was an " open border state '' and that they did not need special licensing to operate in California. Then he proceeded to get rude and told me that i know i owed the money and just am refusing to pay. I told him that i had no issue paying once i could verify that  XXXX   XXXX   XXXX  or  XXXX   XXXX  was a legit business. Their address that they gave me was  XXXX   XXXX   XXXX   XXXX   XXXX  California  XXXX . That address is  a 27 sto ry building with multiple  suite and  they refused to give me their  suite number so i could verify with the property   management company. They did have my social security number and DOB which i concerning.

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 02/15/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To Whom It May Concern : I reached out to Experian to dispute an item that appeared on my credit report. While Experian stated that it investigated the dispute, and has now resolved the dispute. I received no information on how the dispute was resolved or whether it is a reasonable way to resolve the dispute. The information contained on my credit report is inaccurate. There appears to be some third party debt collector to whom I 've never received any communication for a bill that was paid directly to the creditor. 

Thanks.

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 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name was changed on my Experian credit report starting the date of the fraud document with the bank. I have sent all my information to Experian 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.

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