milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good afternoon, I am making a dispute against XXXX XXXX XXXX , Bank of America And XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

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 12-08-2017 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: My name is XXXX XXXX XXXX and I started an account in coinbase onXX/XX/XXXXwhere I bought XXXX $ worth ETH and later transferred XXXX $ to XXXX to buy some more ETH. However, in the mean while I bought some more ETH through coinbase worth XXXX $ assuming that this would be deducted from the XXXX that I transferred earlier. Later I have realized that this XXXX $ was transferred on top of the XXXX $ as my bank account was showing negative balance. In order to restore this I tried logging in to coinbase through my personal laptop and since that moment it was locked. Amidst all this confusion I saw around XXXX $ charge on my credit card being used to buy ETH, which I did not authorize and so I had to block the transaction by notifying this to the respective bank. I tried reaching out to the coinbase customer support ( which is stupendously slow ) and waited for around an hour only to hear the automated voice asking me to call back. The online support system is useless in its own way and I am currently in a helpless situation as to what exactly is happening with the money that I have transferred and did any of my transactions go trough.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, 2016 Santander Consumer USA received a cashiers check in the amount of {$21000.00}. Santander claims they did not receive the check. Attached is a certified receipt from the XXXX. Postal Service proving the check was received. Also, attached is a clearance code showing the funds are available. On XXXX XXXX, 2016 a representative from Santander requested I fax in proof the funds were available. The clearance code and bank information was faxed to Santander. ( See Attachment ) The check was written by my brother, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Managing the loan or lease

Complaint: I sent a letter to ONE MAIN FINANCIAL regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from ONE MAIN ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (PA).
Issue: Problems when you are unable to pay

Complaint: Complaint against buy here pay here dealership XXXX Byrider, XXXX PA for unethical business practices & fraudulent business practices that is targeting consumers with poor credit ratings & difficulty financing a vehicle such as illegal rigging of car mechanics in order to cause future issues that is targeting consumers that are already suffering financial hardship that hinders ability to purchase or finance a vehicle at other car dealerships due to poor credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: When I enrolled with the XXXX XXXX XXXX XXXX XXXX, I was told by my several advisors that funding provided to me would go through XXXX XXXX, their primary FEDERAL lender. Turns out all my loans are private. Limiting my protecting against the fraud and closing of the XXXX campuses as well as refinancing. Now Navient, has made my payments impossible, with the high interest rates from my loans and no options of canceling or refinancing my life has ended at XXXX. Because of the fraud and the lies from XXXX and XXXX XXXX XXXX, I will no longer be able to buy a car or finance a home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off 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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i Sent certified letters to the credit bureau over a the course of time for the last 3 months and haven't received any responses

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 08/20/2015 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have been a victim of identitiy theft and these accounts is a result of it they are being reported on my credit file and they are fraudulent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Credit card () with WELLS FARGO & COMPANY (ID).
Issue: Convenience checks

Complaint: I took a Super Check offer from Wells Fargo Bank that offered, I believe, 15 months with no interest. I calculated that {$300.00} a month would pay back the check amount by the deadline to insure no interest. When the the card was utilized for other reasons, I paid that amount in full along with the {$300.00} and I am still being charged interest. Why??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I received a notice of collection for my Sears Citibank XXXX XXXX from a collection agency. I never received any notice of payment due, late payment notice or received any email or calls concerning a debt owed Sears prior to the collection notice. I have attempt to contact Sears, Citibank which refers me back to the collection agency who informs me they only have the capacity to collect the debt but not resolve any dispute concerning the debt. I have always paid all my credit card debts in full upon receipt of bill including prior Sears bills. My billing address has not changed and the collection agency used the same to contact me. I am willing to resolve any debt with Sears but unable to speak with anyone who can resolve the issue of failure to bill, notify and contact me about the claimed debt. Attempts to contact Sears/Citibank has resulted in recycling back to Collection agency who is unable to provide a resolution, but only can collect the debt. Sears having the correct mailing address, yet I did not receive a bill or any other attempts to contact me is alarming in light of the fact I received and responded to all correspondence from the collection agency to whom Sears/Citibank provided my information.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my information was compromised. Equifax did not disclose hack for 6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with U.S. BANCORP (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2016 I Checked my online accts with USBank. I found that there were fraudulent charges on my credit card ( cc ) and XXXX debit cards ( db ) from XXXX that posted XX/XX/2016. I immediately advised USbank of the fraudulent charges. I have several accts with them and XXXX db 's and XXXX cc had charges including convenience cks, atm withdraws, balance inquiries, and point of sale ( POS ) transactions. They closed the accounts and indicated it would take 10 business days to receive provisional credit. While I was in the branch on XXXX different occasions, XXXX other customers came in indicating they had fraudulent charges. USBank has a data breech and they owe it to the consumer to notify the public! They reissued several sets of cards and I am now receiving pin numbers in the mail for my cc that I did not request. I contacted usbank several times and asked for status regarding the claims and all I get is someone will call you back. I have requested several times for calls from an investigator and no one has called back. I did receive a partial credit on my cc within the 10 business days, but not from my checking acct. I have been told I have an investigator for the pin #, one for an acct opened in XXXX, another is from an account opened in XXXX, and one for my cc. The credit for my checking acct was not credited within the 10 business days. USBank has a data breech, they need to inform the public! Consumers also need to be reimbursed for their time that this is taking by usbank paying punitive damages

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 08/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am not exactly sure how to categorize this issue. It is in regards to the theft of my ATM card and the misuse by the thief and the bank refusing to acknowledge that I was the victim of a crime.
On XXXX XXXX 2017 my Chase bank ATM card was stolen from me while I was at the XXXX XXXX XXXX pool with my grandkids and it used at a local grocery store. Because the card was stolen from me close to my home the card was used at the grocery store I normally shop in. I discovered the card stolen within 15 minutes of it 's use and immediately called Chase and reported it stolen and the card was closed and a new one sent out.
I also called the police and filed a police report. The police report number XXXX. I am unable to get a copy of the actual report because it costs {$30.00} to request a copy and it takes about 3 months to receive it.
The thief used to card to spend {$210.00}. The bank gave me a credit for that amount while they investigated the claim.
A few days ago I received a letter stating that they felt the charge was valid and was reversing the credit. When I called and talked to them they said because a PIN number was used. It was not used by me and there is no way the thief would have it.
After many calls and many tears on my part I finally spoke with a claims escalation specialist named XXXX ( not sure of the spelling ) who found that a PIN number was not used and she would resubmit the claim with that information.
I just got another letter from Chase stating they are still denying the claim. I am desperate. I can not afford the {$210.00} and I did n't do anything wrong. I called the police and have a police report number and did everything I was instructed to do.
I am XXXX on my entire income is only {$920.00} from Social Security and this creates a huge hardship for me. I had to borrow money in order to keep my account open and to keep from incurring overdraft fees and penalties. I have been treated very badly by nearly everyone I have contacted at Chase. I was the victim of a crime and I feel like Chase is treating me like I am the criminal. I do n't know where to turn or what I can do. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Starting on or about XXXX, 2014, Transworld Systems Incorporated called my personal phone and alleged that I owed a medical debt amounting to {$1300.00}. I responded that the medical fees should be {$450.00}, but the caller responded that the {$900.00} was an additional expense in addition to the {$450.00} medical fees. The {$900.00} additional expense was not explained any further. 

After this phone call, I called the hospital to which I owed the medical fees, the hospital confirmed that I had medical fees amounting to {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I filed a bankruptcy in   XXXX   there are inquiries on my report I am not aware of. I was under wage earner from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX ,  XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: XXXX/XXXX/16 I sent a payment check for {$290.00} to American Express. It showed up on my bank statement as cleared, but AMX did not show it as received. I contacted them in XXXX and they instructed me to send all bank statements to them which I did. In XXXX they said the case was closed but I was not credited for the payment. My XXXX bank contacted them and they reopened the case. I looked at the case status and they said they are investigating, again, and should have it resolved by XXXX XXXX 2016! .. the payment was made in XXXX and my bank shows that it was definitely cashed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Enhanced Recovery has reported that I owe XXXX and I called them and they put it on hold now they are reporting that I owe XXXX {$650.00} I called XXXX they have no records of me so I called Enhanced Recovery and they said they had no records of XXXX and hung up on me. So now what do I do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried to get XXXX and Equifax credit reports through XXXX. The reports appeared but the session expired before I could print them, and when I tried to see them again ( within a couple of hours ) the system said I had to get them by mail, and could only get them if I provided a pay stub, a copy of my social security card, and a XXXX form. This does n't make sense since I did not have to provide those to see the report online. However, it said I would be able to access the reports for 30 days online, and I ca n't. So now I have used up my XXXX free annual report request with them but I do not have access to the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo received an entire loan modification on XXXX XXXX, 2015. As of today XXXX XXXX, 2015 Wells Fargo Bank still has a Foreclosure Sale Date for XXXX XXXX, 2015. We spoke with XXXX XXXX of Wells Fargo Bank on XXXX XXXX, 2015 who verified that Wells Fargo hadreceived the documents on XXXX XXXX, 2015, XXXX XXXX stated that Wells Fargo tried to contact the borrower XXXX on the wrong telephone number ( XXXX ) XXXX, despite having the correct telephone on the RMA and the authorization submitted ( XXXX ) XXXX XXXX. 
Wells Fargo is stating that XXXX items were missing from the submission, however, they have never identified what those XXXX items were. When asked did a letter go out, XXXX XXXX says a letter went out on the XXXX of XXXX 2015. However, when speaking to XXXX XXXX of the office of the President he says no letter went out. Therefore, Wells Fargo chose to ignore the submission for the purposes of foreclosing on the borrower, otherwise they would have contacted the XXXX party or the correct number on the RMA which is a legaldocument.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Taking out the loan or lease

Complaint: I purchased a used XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX GA. The loan was financed through Capital One Auto in the amount of {$16000.00} and the finance charge was {$12.00}, XXXX which brought the total to be paid at {$29000.00}. XXXX at an interest rate of 20.75 %. I have been paying anywhere between {$400.00} and $ XXXX month since XXXX/XXXX/XXXX and to date the payoff amount is over {$15000.00}. The car, even at the time of purchase was valued way less than the total amount financed, but the dealer convinced me that it was the best deal available at the time. It was my very first time purchasing a car and I was in a really bad financial situation and needed the car in order to maintain my job. In addition, I was ignorant to most of the terms and language that was used during the deal. I am now convinced that I have been a victim of predatory lending. What can I do to get out of this loan?

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I file for Chapter XXXX Bankruptcy protection, and requested the federal court to issued a Temporary Restraining Order against SPS the mortgage servicer to prevent the sale of my XXXX House, on XXXX XXXX, 2015 the court Grand me a Temporary restraining Order against SPS ( Copy Attached ) but the following attorney for the SPS, XXXX XXXX, requested a sale of the property that at the same time we were working in a mortgage modification ( Dual Tracking )., at the same time I was communicating with the case manager XXXX XXXX XXXX continue to tell me that the SPS will stop the sale as long I provide all documentation witch I did. they request the sale to be schedule by XXXX XXXX, 2015, and the day of the sale the Judge denied the motion to cancel the sale but it was a clerical error so the sale it was schedule for XXXX XXXX, I contact the SPS Case manager XXXX and she told me that they will vacated the sale,. at the day of the hearing the SPS attorneys did not show so the Judge continuo with the sale., the property it was sold XXXX XXXX violating Federal Bankruptcy Rules and CFPB Rules like ( Dual Tracking )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation