milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XXXX XXXX I found unauthorized transactions to XXXX XXXX from our Huntington Bank checking account that were paid in addition to our authorized payments in XXXX XXXX. The withdrawals appeared to begin in XXXX. I contacted XXXX XXXX and was informed that they just follow customer 's requests and did not bother to make sure the appropriate account was debited. I then contacted Huntington Bank customer services and was given the same response. So, I created reports from XXXX and Huntington to prove that the second transactions were fraudulent, not paid to our XXXX account and spoke with a branch representative in mid-XXXX. He completed a bank form, I signed it and attached to the bank form. After not receiving information after almost 3 weeks, I contacted the branch and the representative apologized and promised to follow up. He called back a couple days later and explained that the request had not been addressed, and promised to get it to processing. After another 3 weeks I called again, received no response until another 3 weeks later I received a letter that totally ignored the issue and stated that XXXX stated that we had authorized the auto payments upon opening the account. However, our authorization was related to payments for OUR bills, not some thief that stole our account number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX To the Dispute Team - Hello I was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for you to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 

Each and everything below needs to be deleted. It 's quite disturbing that you are putting others personal information on my file. 

DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 

Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : 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 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 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 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 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 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 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 XXXX, XXXX It is against the FCRA to report these bogus addresses on my credit report. I have contacted Experian on more than several occasions about this issue and they are the only credit bureaus that are doing this to me. I will consult any legal recourse if this is not resolved. I am not aware of any furnishers reporting this information. But the fact of the matter is that I am stating that these addresses are not my addresses and they need to be deleted ASAP.

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 09/14/2017 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: I was a victim of Equifax 2017 security breach

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Private student loan) with SLM CORPORATION (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I took this private loan out in 2013 to cover costs that my financial aid and student loans wouldnt cover. I submitted a deferment/forbearance request mid last year since i have been having these loans deferred since 2013 and after speaking with the agency they told me that they didnt receive it. So, they offered me a lump sum amount to pay off which i could not afford and a monthly payment which i also could not afford. So now the loans were sent to another agency and is in collection and has lowered my credit score due to derogatory marks on my credit. I need some help on what to do. 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 08/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Earlier this summer I checked my credit report and all of my inquiries were deleted. When I checked it on XXXX XXXX the inquiries were back on there.

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 12-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (DC).
Issue: Other transaction problem

Complaint: I am a current Coinbase.com customer. I recently traveled to XXXX on vacation and logged into my account on my cell phone because bitcoin was on the rise and I wanted to check my balance. Unbeknownst to me, XXXX blocked/locked my account and reversed 2 of my transactions ( which I have still not received the funds for yet. ) I have reached out more than a dozen times to their customer support, to no avail. I am frustrated because I just want someone to help me unblock my account. ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XX/XX/XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from XXXX ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX when I 've only applied XXXX time to XXXX. Also for Chase Bank there are XXXX inquiries on XX/XX/XXXX andXX/XX/XXXX when I only applied XXXX time on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with Maury Cobb, Attorney at Law, LLC (WI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received multiple calls from differing numbers. I called back  XXXX   XXXX    XXXX   and asked them to send their request in writing to the address they have on file and I would follow up after receiving it. The operator tried to bully me into giving my current home address over the phone and when I refused the fourth time, she said " well, I hope for your sake the address we have is the right one '' and hung up.     This morning I received a call from a different number. When I explained that I have already requested their claim in writing to the address on file, she said " that 's not how we do things, and when you feel like identifying yourself, call us back. '' The calls requiring I divulge private information ( including my social security number ) before providing enough information to verify the validity of the claim, especially when made repeatedly from differing phone numbers, and even more so after my request for proper verification, are harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have case open # XXXX XXXX with your Consumer Financial Bayview and XXXX XXXX XXXX took over 4 years to modify the clients account, Bayview posted all trial payments on time with out any late fee into Suspense we complaint because Bayview had not posted payments and place in suspense. They recently posted the XXXX that was in suspense but, they charge late fees that client was never late during this time and balance after the XXXX plus went from {$360000.00} to {$350000.00} the payments have not been posted correctly need this matter resolve because Bayview has kept the payments on suspense four years and allocation is not done correct.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They refuse to delete and account that is an account fraudalent/innacurate that does not belong to me. This account was used to obtain goods without my consent. They also are not helpful at all. From all the XXXX bureaus they work for the big banks not for the customer. 
I removed all the negative and bad account from XXXX, XXXX, EXCEPT ON EQUIFAX. I really dont understant. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My monthly payments were applied late. Therefore the system marks it as not paid. After having this issue for several months and calling about it they said I needed to pay my bill 10 days prior. I might not have the money at that time to do so. Because of this they now say I 'm not entitled to have my loans at the locked-in interest rate which I 've had since 2006. So because their system is flawed I 'm penalized because I ca n't pay 10 days prior to the due date?

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I asked for my credit to be properly added to my credit profile and it was not even after giving the information and i want my information added to my credit report so that i can be given proper credit just as creditors have the right to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I was looking for a new credit card on chase.com ( where I have 2 other cards ). I clicked to learn more details about the chase sapphire preferred card and was automatically signed up ( 1 click ) for a much higher APR than I was expecting.

The link I clicked was for a preapproved card and I assumed that it was going to show me more details about the offer, but instead it just signed me up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, 2017 I received a notification from XXXX stating that my Best Buy credit card account was 30 days past due. When I contacted Best Buy they informed me that I made my minimum payment of {$45.00} on XXXX XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. 

I then contacted customer service again and spoke with XXXX XXXX # XXXX XXXX and she took the time to explain what was going on with my payment history. She stated that back in XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XXXX XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XXXX and XXXX on XXXX XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XXXX. XXXX the customer service rep stated that the payment made on XXXX XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. 

If Best Buy would have applied the payments as instructed then the account would be current.

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 04/17/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: On XXXX XXXX, XX/XX/2015 I applied for the BBVA Compass Bank XXXX credit card. The following morning, I was contacted to verify my name, address and social security number. On XXXX XXXX I received a letter stating the terms and conditions and balance transfer checks. On XXXX XXXX the card came, which I activated at that time. The next day I attempted to make a purchase which was declined. When I contacted BBVA I was told the account was under review, but not given any time frame or further explanation from the Bank. On XXXX XXXX I was advised by a CSR that my account has been closed because they were unable to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Credit Solutions (PR).
Issue: Fraud or scam

Complaint: I paid credit solution {$100.00} to fix my credit and the company never did anything. they never send me no documents I spoke to the cwustomer service of credit solution and the lady told me that she sent me papers and the paper never arrived to my address I send her through XXXX XXXX a message of a picture that I received from XXXX that she was going to remove that specific account " XXXX XXXX XXXX XXXX " a year passed and i never recived no documentations and no proof of that account that was deleted. She says that they already deleted A XXXX XXXX XXXX XXXX from XXXX credit report and I never had that account on XXXX I only had it on XXXX  she stole my money and they do n't want to give me back the money or they do n't want to do the service neither

Company response to consumer: Untimely response
Consumer complaint received 12/19/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I called XXXX XXXX to close my account and they refused to closed that account ending in XXXX and said that I have a negative balance on my account in the amount of XXXX that I 'm not responsible for and I ask for a supervisor and she told me that another banker gave me XXXX credit which I never wanted and she never told about this credit and if I did n't get this credit it would cause my account to be overdrawn by XXXX and I received my paycheck from XXXX in the amount of XXXX on Saturday XXXX XXXX, XXXX and I transfer that amount to XXXX XXXX the same day and within few days my account end up overdrawn XXXX which I 'm not responbile for I want my account to be closed and mail stop deliver to my address this is wrong and XXXX XXXX is Robbing me

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 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The company never send me a final bill but instead disclose and send my account to a collection agency without my knowledge. I received collection calls all days with strange number and when I answer them I get treated and intimidation. I do not know the collection agency who calls and most of the time am at work because I work second shift and always calls during this hours.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX 5864Acceptance XXXX XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/2015RE : Acceptance Now - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX****You are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have several late payments that are reporting on my consumer report, that indeed I know for a fact was not late, my husband and I got a letter in the mail from XXXX XXXX XXXX stating their were a payment processing errors for certain months and they would contact the credit bureau 's to update those derogatory payments, but it has not been updated yet. The late payments that needs corrected are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 05-01-2015 about Mortgage (Home equity loan or line of credit) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Settlement process and costs

Complaint: The loan was assigned originally by XXXX as nominee for XXXX XXXX in XX/XX/XXXX - and by a known robo signer with title of assistant secretary of assignments for XXXX. Then robo signed again in XX/XX/XXXX by XXXX XXXX and notarized by XXXX XXXX - XXXX robo signers. False representation by SPS that they offer me application under the DOJ National Mortgage Settlment Act - THEY DID NOT DO THAT! In fact they refused to allow application saying that they did not work those. However, XXXX XXXX who was originally assigned my loan at the beginning of receipt of it disclosed that the file was sent to her specifically because it was tagged as a DOJ benefits and application loan. She said that they failed to offer me the application and did not follow the process to inform me of the availability of the program for me because of the illegal foreclosure actions that had taken place against me and had been included in the foreclosure fraud program and award. There are so many problems that it is impossible to address them all in this space. I am attaching a letter and some documents for review. I should note that this is just the tip of the iceberg. Accounting has not been provided to me as requested all the way back to the beginning of this loan so that I can assess all charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: American Express phone application omitted many key elements of the terms and conditions when applying. 

1. They did not inform me of the balance transfer terms and limits while making the application. 

2. They could not tell me at what point in the application process that my credit was checked, so I had no way of knowing when to cancel the application. 

3. They could not tell me the amount of credit I was issued, however wanted me to transfer balances immediately. 

4. They attempted to charge me a XXXX % balance transfer fee when I called in, regardless of the sole purpose of the card is a XXXX % window for transfers within the first 30 days.

Company response to consumer: Closed with explanation