milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Making/receiving payments, sending money

Complaint: A CHECK WAS WRITTEN OFF MY ACCOUNT AND HONORED WITH NO PAY TO THE ORDER AND NO ENDORSEMENT ON THE BACK OF THE CHECK. I INVESTIGATED AND DETERMINED THAT THE CHECK WAS STOLEN FROM MY HOME WHILE I WAS NOT THERE. I REPORTED THE ISSUE TO JP MORGAN/CHASE BANK AS SOON AS I WAS MADE AWARE OF THE FRAUDULANT CHECK. I WAS TOLD THAT BECAUSE I DID NOT KEEP MY CHECK BOOK IN A LOCKED DRAWER AT ALL TIMES I FAILED TO PROTECT MY ACCOUNT AND THEY REFUSE TO REFUND MY MONEY. I HAVE TAKEN ALL THE CORRECT ACTION TO PROVE THIS CHECK WAS NOT WRITTEN BY ME INCLUDING FILE A POLICE REPORT AND PRESS CHARGES. THE REPORT NUMBER IS XXXX THROUGH THE XXXX COUNTY SHERRIFE OFFICE. THE INVESTIGATING OFFICER IS XXXX XXXX ( XXXX ) XXXX. I AM AN XXXX YEAR OLD WOMAN ON A FIXED INCOME AND CAN NOT AFFORD TO GIVE UP THE XXXX THAT WAS STOLEN FROM ME. DUE TO THIS INCIDENT I MAY LOSE MY HOME AS MY RENT CHECK HAS NOW BOUNCED. ANY HELP THAT YOU COULD PROVIDE ME WOULD BE GREATLY APPRECTIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
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: Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

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 06/20/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing statement

Complaint: A few months ago, I failed to receive a statement on my Sears credit card. Luckily, I remembered the payment was usually due around the XXXX, so I went by the local Sears store and made a payment. My wife was concerned about not having received a statement, so we waited XXXX weeks for the next statement showing the last payment and current balance, but it never came. My wife called them and explained she was concerned that someone could have been able to change our mailing address and could be using the card info fraudulently. Of course the could n't tell her anything since her name is n't on the account. So I called and the address was correct and they promised to send another statement, but nothing came. I have called XXXX more times and complained to the local store ( who said they hear that complaint a lot but ca n't do anything about the credit card ) and every time I have received a promise we will start receiving statements, but we have not received XXXX yet. We have missed the last XXXX statements. We could go online, but prefer to receive a statement via mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2018 about Payday loan, title loan, or personal loan (Payday loan) with Moneytree Inc (CO).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: they send me an email states the money is coming out on fri and then they don't take the paymnt for at least five days esp. if weekends involved and once when It didn't clear they charged me a XXXX fee for late pymnt when it s their fault and I was assured then when I paid the late pymnt that wouldn't happen again and continues to happen

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 11-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Closing on a mortgage

Complaint: I feel the bank should have not giving me the loan if the roof of the house was not good. 

I bought a house on XXXX/XXXX/2016, the inspector that I got to inspected the house ( recommended by realtor agency ) told me the roof had about 5 years left, and I was ok with that. A month after I bought the house the homeowners insurance notified me that I needed to replace the roof or I was going to be drop from the insurance. Needless to say, I didnt replace the roof and the insurance dropped me, so I went to a different homeowners insurance but they also dropped me for the same reason. Now because I cant get insurance of my own, the bank picked a homeowners insurance on my behalf thats more than double. 
I feel the bank should have notice the roof of the house was no good even though the inspector said it had 5 years left and stop the loan process? 

Now I need to replace the roof which is going to cost me about {$13000.00}, my other option was to keep paying for a high rate homeowner 's insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Credit card) with Machol & Johannes, LLC (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Colorado XXXX XXXX XXXX requested a garnishment judgement on a time-barred debt. The credit card debt is from XX/XX/XXXX they filed a law suit for garnishment of my wages on XX/XX/XXXX past the statue of limitations of 10 years. I contacted the General Sessions Court-Civil Division in the State of XXXX. They indicated that the Law offices representing XXXX XXXX did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX I still have not received debt validation. I believe this was a case of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Payday loan () with SCV Inc. (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I TOOK OUT A SMALL LOAN AND PAID THEM OVER XXXX THEY WENT OUT OF BUSINESS ( XXXX ) I TRIED ON NUMEROUS TIMES TO CONTACT AND NOW THAT WE ARE TRYING TO BUY A HOME A SMALL LOAN IS NOW XXXX. XXXX WAS SHUT DOWN BY FEDS I READ SO NOW SOME GUY HAS BOUGHT THE ACCOUNT AND I AM TRYING TO SETTLE BUT THEY WILL NOT EVEN CALL ME BACK. I HAVE PROOF I PAID IT. IT TOOK ME AND XXXX XXXX TWO WEEKS TO EVEN FIND THEM THEY HAD SOLD IT SO MANY TIMES. THE INTEREST IS 97 %. THIS SHOULD BE ILLEGAL.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Consumer Loan (Vehicle loan) with Automotive Funding Group, Inc (CA).
Issue: Managing the loan or lease

Complaint: my car loan company County financial is charging me {$2000.00} more on interest even when I have send an extra amount for late fee.

Company response to consumer: Untimely response
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I received many phone calls from this company security systems in regards to a student loan account that was from XXXX college, ( I actually have XXXX accounts, but they are both being serviced throught XXXX, under the united states department of education ) I sent letters, and spoke with XXXX on the phone, I also faxed over the information that this account is serviced under the united states department of education and is being serviced through XXXX, through the wage garnishment department but the phone calls continue, even after i furnished the information to XXXX I wish to have this account updated to have this security credit systems company removed from my credit report, with an explanation and to stop calling me about this XXXX college account. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The company XXXX XXXX XXXX is a company I 'm not familiar with. They illegally put wrong information on my credit report. I filed 100 etc reports and will continue. Next I will be filing with the BBB. They refused CFPB direct contact stating they are a third party and refused to work with them. I feel with the breach my information was compromised. This company is fraud. I do n't owe any outstanding debt to anyone.

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 05/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX I went to chase bank XXXX XXXX XXXX, XXXX XXXX NY XXXX to open up a business account Banker XXXX XXXX XXXX XXXX helped me to open up the account, 11 days later on XXXX XXXX, XXXX I went to the same branch to open up another business account different corporation name same type of business but XXXX was not there to help me so another banker named XXXX assumed to try to open up the account for me but she said she can not find the right code to open up the account so she said she will have relationship manager XXXX XXXX contact me on Monday, XXXX contacted me on Friday XXXX XXXX, XXXX and told me that my business is a high risk and its considered money laundering business and I will need a money laundering officer, and when I told him that I opened up an account 2 weeks prior he told me that XXXX used the wrong code and that account has to be closed as well, and when I told him that I had the same type of business around three years ago and it was running for two years he said that the bank privacy changed recently I asked my wife who was a banker for a few years if there 's such a thing she said there 's no such a thing and how can he assume and accuse me for running a money laundering business if the first account has only {$25.00} in it and not a single transaction has been made and the second account was not open, so the next day on Saturday XXXX XXXX, XXXX we went to the branch to get more details but XXXX was n't there so we spoke to XXXX who assured us that he did n't use the wrong code and the privacy of the bank has n't changed since the patriot act XXXX and he never heard of a money laundering XXXX before, so at that point I felt that I was discriminated against, mislead and accused of doing illegal business, so on Tuesday XXXX XXXX, XXXX I contacted the corporate office located on XXXX XXXX XXXX XXXX NY XXXX to file a complain for discrimination, racial profiling, misleading and accusation of doing illegal business against XXXX XXXX and I was told I will be contacted within XXXX hours from that day, On Friday XXXX XXXX, XXXX I got a call from the Executive office informing me that they will conduct an investigation and I will be contacted once they come up with a decision, On Friday XXXX XXXX, XXXX XXXX contacted me from the executive office XXXX Ext XXXX and he told me that they came up with a decision and they did n't find any discrimination against me and I will need a money laundering program for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase Bitcoin Exchange Case # XXXX XX/XX/2017 I can not withdraw a XXXX of dollars worth of Bitcoin virtual currency because I no longer own one of two email addresses required in order for me to authorize the withdrawal via email. I submitted my initial request for assistance from Coinbase in XXXX and although I 've been told that there is a solution, three months later I have n't seen any progress whatsoever and have n't received a single reply to my requests for updates in over a month. 

BTC Vault XXXX BTC

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 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: Personal information incorrect

Complaint: There is incorrect names, address, and social security numbers on my credit report.     Incorrect Names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Incorrect Addresses :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   NJ  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   NJ  XXXX  Incorrect Social Security Numbers :  XXXX   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 non-monetary relief
Consumer complaint received 10-10-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Deposits and withdrawals

Complaint: My {$1000.00} bank deposit was misdirected. 
Overdraft Protection was not established as I requestedfor my Checking Account. It was posted as {$10.00} anddeposited into my XXXX child 's Savings Account, and the error wasnot found for over a week. This resulted in subsequent overdraftcharges totaling {$860.00}, and SunTrust Bank has refused to giveme a complete refund. I received only a partial refund of overdraftcharges, though I spoke with the Manager, XXXX XXXX and the Area Supervisor. 
I want a complete refund of the {$860.00}, and the bank has refusedto do so. I called the FDIC and they directed me to ConsumerFinance Protection Bureau. I am the niece of a former XXXX, and have been trying to get this resolved forFIVE MONTHS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been breached in the Equifax data theft according to their website. When I try to freeze or lock my account there is a fee involved. They have offered a one year free monitering service, but then there is a fee. My SSN is FOREVER compromised and I want FOREVER control over my credit information. FOR FREE! The other bureaus have some free fraud alerts, and other fee for notice products, BUT IT THEY ARE TO HAVE MY DATA AND USE IT TO SELL SERVICE THEN I SHOULD HAVE FREE ACCESS TO CONTROL WHEN THE DATA IS USED!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: This company has had numerous of attempts to fix my identity theft problems for months and now all of a sudden this breach has made it even more harder on me and my family with the identity theft. I have over 20 identity theft accounts on my credit report and over 40 something inquiries that I did n't authorize and 4 public records that are not mine I have never filed for Bankruptcy and this company still had n't done anything to fix all these issues. If this information is not updated and removed within 30 days I will fill a class action lawsuit for emotional distress and not investigating properly. I ca n't even get a job because all of the errors on my credit report. This company got breach because they are a sorry excuse for a credit reporting agency and they all should be fired. They hang up on people all the time and never really investigate anything.i have sent all my police reports and fraud affidavits to this company over and over and I would like freeze placed on my permanently and sent a code to unlock it when I want too

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Federal student loan debt) with Cedars Business Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I attended XXXX University from XX/XX/XXXX to XX/XX/XXXXand all my loans were federal loans. I am paying on those loans now. All of a sudden I am getting a debt collection from a company named Cedar Financial who says I owe them XXXX. Which I do not owe I owe the Federal Student loan not them. I have also done my research and they are not allowed to collect a debt in the state of Florida and would like this removed from my credit reports. XXXX, XXXX and XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been monitoring my credit as I getting ready to purchase a home. As of XXXX XXXX XXXX I noticed that the XXXX XXXX Child Support Enforcement hit my credit for XXXX plus points on my XXXX XXXX and other reporting agencies. I 've tried to dispute on XXXX XXXX, it did nothing. These are dating back in XXXX. I have n't been late on Child Support in 5 years, as I 'm ordered to make double payments. When I contacted the XXXX XXXX Child Support Enforcement office, they informed me that XXXX gave it to XXXX to handle. XXXX hit my credit for god only knows what reason. It needs to be removed immediately and both XXXX and XXXX should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Our home mortgage was transferrred to a company called " Mr. Cooper '' and we have had nothing but problems since that time. For the month of XXXX, they took our mortgage payment of {$2500.00} out of our checking account twice. When I saw that they took our XXXX mortgage payment out twice, I called Mr. Cooper and asked for the money to be returned. I spoke to Mr. Cooper customer service on Monday, XXXX XXXX and the customer service rep confirmed that they had accidentally taken out the mortgage payment TWICE. She said that that the payment would be returned to my checking account within 3-5 business days. Today, XXXX XXXX, XXXX, it has been EIGHT DAYS ( 6 business days ) since I was promised the over-payment would be put back in my account. It has not been returned. When I called Mr. Cooper customer service again, I was given the run-around. I was  place on hold for over 30 minutes and then told that they would need to contact the bank to " confirm the check cleared '' ( this was already done on XXXX XXXX when I called the first time ). Long story short, they are playing games, giving me the runaround and keeping the double payment. My other bills are going unpaid and I will have late fees and returned check fees if they continue to refuse to return the double mortage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have had a busine ss account with Citi for several years. Citi, decided to close all their branches in MA and subsequently they forced everyone to use  their online banking for all transactions.   On MOnday the   XXXX   XXXX   XXXX   XXXX    , i went on line to see the procedures required to wire money to a vendor but noticed that i had repeated login issues. Naturally i called the toll free number on the back of the ATM card to seek help. Yet every time i called, they said that since my account is a " special commercial account '', only my account  manager ( yes, one person ) c an help me unlock my account.   After several attempt to reach my account managers, who happens to be in TX and CT, i am now told tha t CITI, during their routine KYC complian ce checks, noticed that after years of banking with them, they do not have some information about me. And as such, they have decided to first close my account on the   XXXX   XXXX   XXXX   WITHOUT ANY NOTICE TO ME. Then when they realised that they made a mistake, for  two days now they have tried to re-open my account. Yet after 5 days, i STILL DO NOT HAVE ACCESS TO MY MONEY to conduct my business.    If  CITI screwed up on their compliance procedures, information that i have already given to them, why are they STILL blocking me access to my money? i have a I feel so helpless as there is no one that will help and there is no branch to go to to get my money out. In the meanwhile, i have written three chec ks, which i am certain will bounce. This is affecting my business very negatively.   This is so wrong on so many levels and i feel helpless.

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