milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: On XX/XX/XXXX, I received an invoice from Macy 's American express for the amount of {$19.00}. I did not recognize the charge so, I contacted Macy 's & told the credit department of Macy 's that this amount is a fraud. I asked them to close the account ask for the credit the {$19.00} back to my account. They told me the fraud department will pursue the mater and once they finalized they would clear the mater. on XX/XX/XXXX I received another invoice showing not only the {$19.00} plus {$2.00} interest & {$37.00} late fee. I then called them again, this time they told my the fraud claim has to be in their from & in writing. about a week later they sent me a form which I immediately filled & sent to them for process. XX/XX/XXXX, I have received another invoice, this time {$19.00} plus a {$100.00} late fee & interest, a total of {$110.00}. again I called them & explained the whole story, this time they told me this mater is in process & would take about 30 days. I asked why while in process I 'm being charged with late payment & also told that this would effect my credit rating which up this date over XXXX score & spotless. They did not give me an adequate answer. well yesterday I had a phone call from a collection agency expecting a payment of {$150.00} as of now. I called them few minutes ago & told them that I 'm filing a report with your agency which was recommended by my banker whom advised me that my credit rating has dropped by almost XXXX point to XXXX +. 
I am very upset that Macy 's credit department could unjustly damage peoples credit without a solid evidence. At this time I 'm pleading with you to investigate my case and see that I have done nothing wrong & just believed in a principle. {$19.00} would not effect my life and {$150.00} would n't either. it is only admitting to wrong doing which I have not. Please let me know what can I do or how can you help me. 

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 monetary relief
Consumer complaint received 10-09-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company SANTANDER continued to request payment for the Acura they had in their possession. They took the car and charged collection as though I still owned it. This is theft. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close XXXX XXXX XXXX XXXX XXXX XXXX XXXX has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to XXXX she confirmed I was paid through XXXX. I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus. <P/>Not more than two payments past due ( 2 ) - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has flagged your account as Not more than two payments past due ( 2 ). Alert Type : Potentially Negative Found On :XX/XX/XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. <P/>Balance spoke to XXXX last payment made- way XX/XX/XXXX. Paid up through XX/XX/XXXX. Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who I relayed my request for resolution! I finally Reached XXXX a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

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 10-12-2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problems when you are unable to pay

Complaint: I 'm a member if navy federal. I have a auto loan with them and last year I was late paying my auto loan and last month also. Well they locked me out of my account online and on their app until Im able to make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last letter I send certified with tracking number XXXX in which the credit bureau responded back still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiry ( ies ) by Original Creditors on my Experian XXXX XXXX. Regarding the following inquiry ( ies ) 1XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX. 
I have also requested that they remove any and all of my personal information from Experian 's 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 11/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I initially paid off a secured loan with Covington Credit TN, and a few weeks later received a letter stating if he wanted to borrow another {$500.00}, just cash the check at a bank and it would constitute a loan. I did so. I then got into some financial problems and was unable to make payments on the loan and fell 2mo behind. A man from Covington Credit showed up at our house at XXXX on the XXXX of XXXX ( my ex wife and I had gone walking from XXXX that day because we have no vehicle ), never told us his name ( and revealed information to my ex wife - she was outside with me when talking to him- and she was not included as a person they could talk to ) and told me I had til XXXX on the XXXX to come up with {$80.00}. I told the man I had no money til the XXXX when I get paid ( I get XXXX ). I offered to pay {$100.00} when I get paid. The man then told me if I do not pay the money by XXXX on the XXXX, I will be brought up on charges of fraud, reported as having an extra income to the SS department, and have my wages garnished. The man also questioned if that was us walking on the road this morning - which made us scared for quite awhile afterward because of the suggestion they are stalking us - we both suffer from XXXX a lot of issues in both of us. We had no food in the house at the time so we had been walking to the soup kitchen but were now afraid to do that. ( XXXX of our neighbors saw this though not sure how much he heard. ) The next day we noticed a white pickup sitting across the street from our house from XXXX ( it may be a coincidence I do n't know ). On the XXXX we received a mail - with mybname on it - stating they would take my belongings away if no payment ( for an unsecured loan ). We tried to report this on the XXXX but the cops said they had a right to do all these things. On XXXX XXXX we came home from paying our rent and utilities and buying food and found a letter placed on the outside of the door ( no tape ) with my name on the outside and all the information about his debt, the fact I owed on it and the collector 's information. Anybody could have taken that letter or looked in it while we were gone. On the XXXX of XXXX, we called to report someone at the door that was banging violently ( when we finally looked, it was the same man from Covington Credit ), again he left a note in the door. The neighbor ( different neighbor from before ) saw it happen and the way the man was knocking upset him too. Cops never showed up though they did call back a couple times to check on us. 

This is the Covington Credit located at XXXX, TN XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: on XX/XX/2017 at XXXX XXXX, i initiated a transfer from coinbase to XXXX. This was my first time trying to fund my XXXX account and had never been on the site for this purpose. XXXX makes it extremely confusing and offer no customer service. I clicked the little plus sign next to XXXX instead of XXXX. 
Coinbase should never have initiated the transacation as it was not possible to deliver.
Coinbase is telling me there is nothing they can do to get my money back. 
it is in excess of over 30k usd. 

XXXX AMOUNT TRANSACTED XXXX XXXX FEES XXXX XXXX RECEIVED 15 days ago CONFIRMATIONS 6+ Advanced Details Block Hash XXXX Block Height XXXX Transaction Index XXXX ( permalink ) Size 225 bytes Lock Time Version 1 Relayed By : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I completed a 5 year opt-out form on XXXX XXXX, XXXX and then completed a permanent opt-out form at the beginning of XXXX. In XXXX XXXX I was told by a national bank that Equifax was selling my information even though I completed two ( 2 ) opt-out forms and was supposed to be on the opt-out lists. After I heard they were still selling my information, I filled out another opt-out form in XXXX XXXX and sent a copy to Equifax with a certified letter on XXXX XXXX, XXXX. I filled out three ( 3 ) opt-out forms from XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am on the opt-out lists. In addition to sending the opt-out form to Equifax, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. As of XXXX XXXX, XXXX they still do not have my credit file marked as " Opt-Out '' and they are still selling my information which violates my rights under the FCRA. They are also changing dates on my accounts on my credit report. For example, an account was closed in XXXX and it was originally last reported as closed in XXXX, but Equifax changed the date to XXXX. That is 6 years after the account was closed. Another account was closed in XXXX and last reported closed in XXXX, but Equifax changed the date to XXXX. That is 7 years after the account was closed. The dates have been changed on almost half of my accounts in my credit report. Why? I believe they are changing dates because they want to keep these accounts on my credit file. If they keep changing the dates then it stays on my credit even though these accounts have been paid off and closed for years. This also violates my rights under the FCRA. I disputed these date changes and they never answered my question. They also did not fix these dates or take it off my credit report. I also disputed duplicate accounts that have the same account numbers, same closed dates, etc. and they did not delete the duplicate account. I want Equifax to mark my credit file as " Opt-Out ''. I do not want them giving out and/or selling my information to anyone. I want Equifax to either fix the dates or take the accounts off my credit report. I also want them to delete the duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I noticed on my credit report an outstanding debt to XXXX that was listed by Diversified Consultants, XXXX Once noticed, I paid the debt off. I never received any type of communication from the collection agency prior to placing the debt on my credit report. Although, I initially disputed the amount due with XXXX I went ahead and paid it. I was not given the opportunity to dispute this debt by the collection agency because I never received any notices from them. I contacted the agency requesting they remove this debt from my credit report for XXXX reasons : 1 ) It was paid. 2 ) I was not properly notified of the debt prior to listing on my credit report ; they refused to do so. this listing without proper notification is clearly a violation of the FDCPA.and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I went to the Fifth Third branch located at XXXX XXXX XXXX with my first payroll check from XXXX XXXX. The check amount was XXXX and when I went to deposit it, the check was scanned in Check XXXX and flagged as being drawn on an account that has had checks returned in the past. I explained that I needed immediate access to the funds in order to move into a new apartment and avoid being homeless. I was told that if I opened a new account ( I had an existing prepaid " express '' account ) that my funds would be available on the next business day which was Monday. On Saturday, a friend of mine who works at a global investment bank and was able to come with me explained I should have been informed that I could cash the check at the bank it was drawn on. Thankfully, he also allowed me and my girlfriend to stay in his living room for a week. I was encouraged to open an account this applying the Reg CC new account exception, and my check was put on hold until XX/XX/XXXX. 

On Monday the XX/XX/XXXX, I went back to the bank and was informed of the hold and that it would be removed. XXXX who had opened the unnecessary new account ostensibly to hit her new account opening quota was unavailable and XXXX told me he do nothing. As the week progressed between the generosity of my host and my girlfriends tips we managed to eat and survive. On Friday the XX/XX/XXXX I went in again and the regional manager was there. They said that the hold would be lifted. It was not. I returned again Saturday the XX/XX/XXXX and was told to wait until the XX/XX/XXXX. I have now been homeless and penniless for 10 days. 

I am most concerned that I was not told that I could cash the check at the issuing bank which was a few blocks away and that, like XXXX XXXX, I was forced to open an account I did not want or need. There is no way the check did not clear and any financial institution with any sort of reconciliation team would have lifted the hold when the check cleared, likely Wednesday. I 'm trying to get my life in order after a very challenging couple of years and without the support of friends I could have been homeless or ended up dead in a ditch, god knows what else. This has been the most stressful and one of  the most challenging experiences of my life. Do n't bank with Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Medical debt) with Adler Wallach & Associates, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have sent this company numerous documents to show that I was a victim of identity fraud and that these account do not belong to me I live in Ga and this hospital is in florida.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Credit information hack. The company did not inform the affected users by any method instead waited for the news to break. Temporary website to check if you are affected is shady and seems haphazardly put together. This effects my whole life if my SSN is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Discovery Systems, LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received a call from XXXX XXXX. The entire Message is as follows. This is an investigation into ( MY Name ) I need to speak to him of his representing attorney Have him call XXXX in the mean time I will try to leave messages with ( my mother, my wife, my ex-wife, my sister, an unknown person, an uncle I have n't seen in XXXX years ). My wife called him and he said he was looking at our financial information and could tell we had money to pay him. He said he would call our current creditors and leave derogatory information. He then proceeded to tell my wife that " They '' original creditor XXXX XXXX XXXX could, would, and will get their money. At no point did he disclose his employer. We waited to call " After hours '' and it then says who what and where the call came from. I never received any written documentation from this company so I could dispute. I believe that due to me disputing information on my actual credit report that he was able to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX Ocwen Loan Servicing LLC allegedly purchased the mortgage from the GMAC bankruptcy. The mortgage is recorded in the name of a non-existent XXXX XXXX XXXX XXXX XXXX. ( XXXX  ) The Note or underlying debt necessary to enforce the mortgage is believed to be lost or destroyed. Ocwen has refused to reveal the identity of the person ( s ) they are servicing the loan on behalf or where payments on the loan, a payoff or a settlement of claims would be paid. Ocwen filed ( a now dismissed ) foreclosure Complaint in the name of the fake XXXX knowing that it did not exist. It is believed that the loan was paid off as part of the T.A.R.P. and was part of one of the XXXX XXXX XXXX. Ocwen has racked up thousands of fake forced placed insurance fees and escrow claims on behalf of a non-existent client. The property in question is a family farm and is part of a bankruptcy estate. Regardless, Ocwen continued to send escrow and Forced Placed Insurance bills for collection. Owen avoided having to reveal the identity of it 's " client '' during the bankruptcy by not filing a proof of claim, relying on it void mortgage lien to the non-existent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They leave messages telling me to call in re debt collection. I called them to find out what it was about ( the previous owner of my phone number incurred numerous debts ; I have had calls from collectors before ). They demanded my social security number in order to " reference my account ''. I naturally refused and told them " you called ME, so clearly you already know something about me with which you can look up my so-called account ''. They hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Credit card () with DISCOVER BANK (GA).
Issue: Billing disputes

Complaint: Discover is not posting payments on time. My bank shows an earlier date when payment was withdrawn from my account, and Discover shows a later date. Why is there a later date? Is Discover getting more interest than is due by posting on a later date?

Company response to consumer: Closed with explanation