milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: As of XX/XX/XXXX, I had uploaded and mailed the proper documentation to Equifax to show that I was a victim of identity theft. I had submitted a police report as well as an FTC report showing the items in question. Equifax has failed to delete several of the fraudulent items. The other two bureaus have successfully removed the fraudulent items. XXXX states that if the disputed items are not showing on your report at the time of the report printing, the items have been deleted. This information is circled for Equifax to see on their reinvestigation letter. Attached is proof of this activity. I demand for Equifax to remove the derogatory information from my file for failure to recognize the identity theft steps I was given by the identitytheft.gov website. Please refer to the attached police report for full deletion information : The items in question that still need to be deleted are : XXXX XXXX : XXXX : XXXX $ XXXX : XXXX $ XXXX : XXXX $ Inquiries : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Premium : XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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: The credit agencies still have this account listed and per  XXXX  they requested it be removed. This has been listed and it needs to be removed

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 04-12-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: I have a Citibank credit card. I have paid my monthly balance in full. Citi policy states new balance on the credit statement must be paid in full in order not to be charge interest. Yet they have continue to charge my account interest.

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 01-11-2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Recieved a letter from ARA stating that they legally owned a debt from 15 years ago out of SOL by the way. Demanding payment. On bottom of letter it states that if I request verification then they will get a judgement against me within 30 days of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Chase bank opened an escrow account to pay for alleged delinquent property taxes. After confirming with my local tax office that all property taxes were indeed current and there were no issues, I let Chase know. Chase insisted the information they obtained indicated my property taxes were delinquent and that they would not release me from financial responsibility until the money was sent back to them. A confirmation letter was sent to Chase to show all property taxes had been paid, before they were due, but rejected the letter. The Chase representative could not answer why the letter was rejected. This error has resulted in my mortgage payment being almost doubled and has created a great hardship for my household. I have XXXX children under the age of XXXX and my husband 's salary is our only source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: My contract with XXXX XXXX XXXX had expired in XXXX 2016. After my contract expired I was billed {$71.00} I asked the XXXX XXXX XXXX representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017 i sent two letters via certified mail to transunion explaining to them that i didnt authorize the inquiries that was showing on my credit report as of today XXXX XXXX, 2017 i havent received any communication from them regarding my letters and i was under the impression that the bureaus have exactly 30 to respond or they have to delete. So im writing in my complaint because i havent seen any deletions nor have they responded to my letters.

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 03/31/2016 about Debt collection (I do not know) with URS Holding, LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX called stating that she 's sorry she took so long to contact me with information that I needed ( she called my office line ) and left her contact information with no indication that she was a debt collector or calling to collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Payday loan debt) with TrueAccord Corp. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (MI).
Issue: Fraud or scam

Complaint: I have filed  XXXX  previous complaints. I want to make you aware of all the financial institutions involved in a current military scam, it is adverselyaffecting thousands of people.  XXXX  #  XXXX  and  XXXX  #  XXXX . This  XXXX  is about  Wells Fargo . As in previous complaints money is put into accounts and the pulled out of people 's accounts that are victims of this scam. The funds that pay and pull payments from other credit card account are always  Wells Fargo. I a m pretty sure that someone that works  at Wells Fargo i s providing the scammers, supposed  XXXX   of U nited States  XXXX ,  XXXX   XXXX   XXXX ,. I have filed with numerous government agencies to try to prevent other people from falling prey and becoming victims of this military scam. I have account numbers for accounts here. I also have names account numbers that scammers have you deposit into for other banks. I am more than happy to provide you with this information at your request. I also have names of potential family members of scammer and associates that could possibly be employees of  Wells Fargo. The sca mmer lives in  XXXX  CA, not all that far away fro m Wells Fargo HQ.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current 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 07-10-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I transferred {$910.00} from my XXXX XXXX XXXX ( XXXX ) ckg acct -XXXX to my USAA ckg acct. -XXXX. I then scheduled my mtg payment to be debited from my USAA -XXXX ckg acct. USAA placed a hold on the funds until XXXX/XXXX/XXXX even though the funds came out of my XXXX acct that night, and I provided USAA with verification. I em 'd USAA & rec 'd a response from XXXX XXXX. She said it was against federal regulations to release the hold. I ask what reg & and was told it was the Electronic Fund Transfer Act of XX/XX/XXXX. My daughter has worked for XXXX XXXX for 18 yrs. so I asked her if this sounded right, she said no, there was an exclusion for customers transferring money between banks " Any transfer of funds for a consumer within a system that is used primarily to transfer funds between financial institutions or businesses, e.g., XXXX or other similar network. '' She said to look on the USAA website for their policy re transfers, so I did. It said the money would be available right away, within a few business days, not a week. I then called XXXX and ask them, they said USAA could lift the hold at any time just show them the completed transfer from my XXXX, but they said it was nonsense as USAA already had this. But I provided it to USAA, XXXX XXXX anyway. She again said there was a federal reg prohibiting lifting the hold. I told her this was simply not true. 
Hide additional information for activity type other payment XXXX USAA CHK-INTRNT XXXX/XXXX/XXXX : XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... 
Edit Description activity type other payment status type icon cleared XXXX. Select to mark activity type other payment XXXX USAA XXXX XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... as Reconciled -XXXX XXXX Type : Other paymentDescription : USAA CHK-INTRNT DES : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX CO ID : USAA FT WEB I then called XXXX XXXX, a manager at USAA whom I had dealt with on another occasion. He said my average daily balance was less than {$910.00} so they would not lift the hold even though they knew the money had actually cleared. He also said it was against 'federal regulations '. I told him it did not say this on their website, and there was no federal regulation. 
It the interim my mtg payment processed and was declined, then USAA charged me {$29.00} NSF. This is outright discrimination and illegally holding of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am uninformed as to who this company is and why they are attempting to place a debt in my name, that has now reached my credit report. No letter was sent, no documentation of any kind was corresponded to me in any way shape or form. Neither were there any phone calls placed as an attempt to reach me. Therefore, this company 's arbitrary account with my name associated should be disputed and promptly removed from all credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (LA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Pioneer Credit Recovery XXXX XXXX contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls have totaled more than 10 per day. 

We have orally told them that we are not allowed to take personal calls on business lines, and we have submitted a prior written complaint bearing Case number : XXXX. 

Please do not call any of the following numbers as they are all owned and/or operated exclusively by our business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We will file suit if these calls do not cease.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Customer service / Customer relations

Complaint: have been a Chase United Milage plus explorer for a long time, I had no issues till recently, when I found a charge of XXXX $ XXXX in one day dated XX/XX/2016, The XXXX documented as XXXX.TX, I talked to customer service and they first told me they will send me a refund for the total of XXXX $ refund check ; when I did not see the check I called and was told that this charges are fraud and they will open an investigation on it, I kept on calling for follow up and I was told although the charge is reflected on my statement I do not have to pay util they evaluate ; on further contacts with them I was told this was not a fraud but a dispute, and they will look into it, until XX/XX/2016 I received a letter stating that I had authorized those charges, and have to pay for it! 
I am attaching the letter and the charges indicated in it for your information, Sorry about the doodles in it I did not know I will end up sending this to you, those doodles are a small part of my communications with them, I have called Fraud dept several times and dispute department several times, last call was last night with dispute department the agent connected me to the charging merchant XXXX XXXX XXXX after several rerouting we were told that those charges are not originating from XXXX XXXX XXXX. 
I have many issues here : 1 ) When such aberrant charge occurred on XX/XX/2016 x XXXX on the same day why Chase card services did not alert me? 
2 ) If XXXX XXXX XXXX states that the charges were not originated by them why the letter says that I authorized the charges? authorized who? 
3 ) Why customer service, fraud department and dispute section gave me run around transferring me from one dept to another and to XXXX XXXX XXXX? last call took exactly 2 hrs 4 ) When customers pay a yearly fee are n't we suppose to be helped rather than asked to directly talk to the merchant? 
I appreciate if you look into this and ask card services to credit my account on the total amount of XXXX $ XXXX for I have not authorized any such charges. 
Thanks Sincerely XXXX XXXX Scanned Image chase.tiff

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2016 about Credit card () with TD BANK US HOLDING COMPANY ().
Issue: Privacy

Complaint: On XXXX/XXXX/2016 at XXXX XXXX at the XXXX, VA XXXX target store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX one of the cashiers on duty that night completed a target red card in my name and signed that application without my permission while I was paying for the items in the checkout line at the register. As well as she misrepresented the application and, at first, said it was for a target discount coupon card, then after there was a line of people waiting for she came around to the credit card swiper and signed my name without my permission. After I got the target card in the mail at my home address I then told target credit card fraud department about the issue but they did n't resolve the issue at all, do n't return my phone calls and sent me a bill for the credit card I never asked for as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with Sequoia Financial Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have tried several times to work out with this company they keep reporting the incorrect amount is owed

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union report mine account of XXXX XXXX XXXX XXXX ****. 

This account it s not 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 07/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My credit report in showing a missed payment causing me to have a deliquent payment of XXXX days on my credit report. The monthly payment changed and I was not made aware of the change being I would pay my note automatically monthly from my account. When the notice was issued, I was able to make up the difference and it was still reported as a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Conventional home mortgage) with Social Finance, Inc. (OR).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX : mortgage payment paid on time. Sofi stated that the amount was incorrect. They had erroneously included an extra {$310.00} on payment for taxes. Taxes are to paid separately by me. Numerous call/emails were made which highlighted the fact that Sofi did not keep correct records and did not have copies of paperwork that they had sent when the loan was funded. XX/XX/XXXX : mortgage payment paid on time. Sofi again contacted stating that the payment was not received and a late fee was charged. Confirmed with the bank that payment was sent to the correct address. called sofi who stated that they could not look for the payment and that official paperwork from the bank would need to be sent to verify payment. This has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: Have an account at coinbase, after loosing my XXXX-app i have no possibility to get access to my account/money. Resetting the XXXX is offered but it does n't work ( service does not work ) and i 'm still trying it daily but no success. support does n't react, seems like a fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Medical) with Harris & Harris, Ltd. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive phone call from Harris and Harris limited numerous times a day from different number. I block a number from calling me after so many times. And they call me from another number. And after so many times calling from that number I block it. I have blocked so many of their numbers you would think they would n't have anymore to call me from. But they call me from a number and if I am unable to answer they will leave a message and call me from another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: Company received payment in amount of {$3000.00} from warranty cancellation. This was applied to payments. Loan was rolled to being due for XX/XX/2017. The payment was then reversed and applied to principal. When the payment was reversed, my loan was put into a delinquent status for 2 months. A customer service member told me as a courtesy to me, they would take 2 payments out of the {$3000.00} payment that was applied to principal to my loan to bring me current. They never did so. When I called back to speak to a manager, he informed me I was given wrong information, even though he admitted they told me that, and that there was nothing they could do. My loan is now 2 payments delinquent and they have been reporting not only negatively on my credit, but my co-borrower. This is very unfair lending and false promises with unrealistic expectations. They told me they were going to do something so they should honor their word. This is not harming the company at all as they still would be receiving the same amount of money in either situation. This situation is putting undue hardship on myself as well as causing long term impacts to my credit and my co-borrowers credit for something we did not cause.

Company response to consumer: Closed with explanation