milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2016 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The company is continuing to update my credit reports stating that I am 120+ days past due. This loan was paid off in consolidation XX/XX/2014. I have disputed this account several times and the company is refusing to update and report inaccurate information. This false information has caused me denials of credit. This company is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I have a " savings '' ( private client ) account with chase for about 9 years now. Recently there is an unauthorized charge of {$1000.00} on dated XX/XX/XXXX. Unauthorized charge was done through creating a dynamic check # XXXX. The check does not have my name or signature, it only contains my account number. I contacted Chase Fraud department and they asked me to send an AFFIDAVIT which I did on XX/XX/XXXX. Next day, I have also reported to XXXX Police Department ( XXXX ). However, it seems like they are refusing to give me the unauthorized charge back. I called them several times during regular business hours. Seems like they do not really care. My time in regular business hours is more valuable then the XXXX dollar itself. However, I am very frustrated with the fact that bank like chase can do such things to customers. According to agreement, I am NOT liable for this fraudulent charges. To me it seems like my account has been compromised due to data breach of chase on year XX/XX/XXXX. However, I ca n't be certain, but my account with chase is around 9 years old. 
Along with this complaint, I also complained to Chase executive office regarding their software issue. It was showing arbitrary amount ( around $ XXXX mismatch ) on my savings account online for 24 hours before it got fixed next day. I am not sure if XXXX complaints are related, but certainly customers going to suffer for this issue. I have sent all proofs to them regarding this issue. I have no answer yet regarding the software bug either. Customers should check their bank account frequently. Otherwise, they will never know how their money is gone and I am capable of proving this issue. 
My primary concern is still the fraudulent amount of {$1000.00}. Despite the fact that I contacted their executive office, no resolution is found. Hope to find a resolution through your service. Please note that fraudulent dynamic check that has been generated does not have my name or signature. ( Attachments - 1. Affidavit 2. Police Report 3. Fraudulent check )

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit company TSI ( Transworld Systems Inc. ) called trying to collect debt owed to XXXX XXXX XXXX. I did not recall the doctor or time frame right off the bat. Was informed the credit company would investigate and get more information from XXXX XXXX. A week later I receive a bill that stated {$4200.00} and then noticed that the bill was suppose to be {$3400.00}. Not only was he over charging me but also noticed with the paperwork that I received from TSI was my Medical Record Chart that explained my procedure, my past medical history, and background information as in my health. I learned stuff about my procedure that I did not even know about. Not only is this against my HIPPA rights but XXXX XXXX also over charged me. 
I know now what the bill is for due to receiving all my information in the mail. I have no issue paying my bill but I do have a issue with my information being sent around without my consent. At that time frame I was unemployed with no health coverage and ran out of time to apply for Charity care. 
For proof I would of believed a bill would of been sent to TSI not my medical chart. My medical information was faxed to TSI, and was shared wit TSI and then mailed to me. And the envelope had a tear upon arrival. 
I have filed a report with the Department of Health and Human Services as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have bank statements, back to XX/XX/XXXX, that show that I have paid American Education Services ( XXXX PA ) {$68.00}, XXXX ; yet their on-line statement shows that I have only paid a total of {$30000.00} since XX/XX/XXXX. Additionally, an AES Financial Transaction Statement, that I obtained from them, shows that I paid an additional {$8200.00} between XX/XX/XXXX and XX/XX/XXXX ; although I do n't believe it reflects proper credits. In short, I have proof that I have paid {$76.00}, XXXX to AES, while they show only {$30.00}, XXXX paid ; a difference of {$45000.00}. Moreover, the AES Financial Transaction Statement is replete with erroneous late fees, which should not have occurred after I signed up for automatic payments. 
Finally, I am a XXXX veteran with XXXX and this situation is materially contributing to additional XXXX affecting my overall XXXX health.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Late fee

Complaint: I used a balance transfer on my Union Plus credit card to pay off other credit card.s. My minimum payment was {$25.00} a month. I made monthly payments of {$50.00} a month. XX/XX/2016 my minimum payments doubled from {$25.00} to {$56.00} a month. According to representatives XXXX and XXXX, this was because my account started accruing interest. This does not explain why my minimum payment almost doubled. I do not use this card for purchases. It was strictly to transfer a balance from another credit card. Capital One has now added late fees of {$35.00} to my account since XX/XX/XXXX which they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Consumer Loan (Installment loan) with MNE Services, Inc (IN).
Issue: Taking out the loan or lease

Complaint: I was contacted by Star Cash XXXX XXXX at a time i was desperate for money. They told me they would grant me a loan but my credit score was bad so i would need to XXXX XXXX {$200.00} as a deposit.They said the loan plus the {$200.00} would be deposited in no more than XXXX minutes.They told me that if I received a phone call from anyone to tell them i received the money from a friend to avoid extra charges.After sending the money I got a phone call like they said I would, I was told that there would be an additional charge of {$310.00} .This is supposed to be some sort of tax because the money was sent out of the country XXXX.The man at the loan company called me back and was irate with me for giving his phone number to them but told me to send the extra {$310.00} and they would cover that amount also PLUS THEY WOULD GIVE ME AN EXTRA {$100.00} for my troubles.I did not send any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as 1 inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX XXXX Bank XXXX, RI the XXXX I used ), XXXX Bank, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Money was not available when promised

Complaint: My wife received a job offer from a person who found her on  XXXX . He said his name was   XXXX   XXXX  . He wanted my wife to babysit his daughter. He sent what turned out to be a fictitious check to my wife in the amount of {$2500.00}.   XXXX   asked my wife to take out {$220.00} for her to keep as part of her first paycheck. Then he requested that she help with groceries. He also wanted her to send {$2200.00} to his prospective landlord. My wife and I sensed that this was a scam. I told her to deposit the check which she did on   XXXX   in the morning. In the afternoon, I called the bank to find out when the check would clear. They told me it would be the next morning. The next morning the balance in our checking account reflected that the check had indeed cleared. My wife went to the bank on  XXXX . She asked the teller to confirm that the funds were available since we were still suspicious that this was a scam. The teller told her that the check had cleared. She relied on the teller 's word and sent the transfer to the supposed landlord. A few days later we discovered that the check was fictitious and we ended up losing {$2200.00}.   I called the bank  ( Chase )  and asked how this could happen. They had told me that the check had cleared and the teller also told my wife the same. Chase bank has shown no responsibility for their actions and they understand more than me how these type of scams work. That is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hi, I opened a Citi Gold checking account online through the Citi website on XXXX XXXX, 2016. During the enrollment for the checking account, I entered the promo code " XXXX '' in order to receive XXXX XXXX XXXX points as a bonus after fulfilling the minimum requirements. After reaching the minimum requirements, on XXXX XXXX, 2016, I reached out to the customer service online chat to confirm. The customer service representative confirmed that I had reached the requirements and that I should be receiving the bonus in my account within 90 days with a confirmation email. I had done confirmed with XXXX separate online customer representatives After not receiving any confirmation email after one month of waiting, I called citi customer service on three separate occasions to find out about the situation and they had stated that I would need to continue to wait for the bonus to arrive. After not receiving any confirmation from Citibank, I then asked to speak to the customer service manager and he mentioned that I would not be eligible for the bonus. 

I have researched online that many Citigold customers are receiving the same issue without receiving a confirmation or their bonus. I have attached a screenshot of one of the secure messages with a Citibank customer service rep. Please help me regarding this situation, I was planning to use these points for my honeymoon and it would help a great deal financially, thank you.

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 05/15/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage service was transferred to SunTrust Mortgage , Inc. from XXXX XXXX XXXX. The automatic payments were canceled as a result. The same day I received the notice of transfer, I signed up with SunTrust Morgage , Inc. for automatic payments. SunTrust Mortgage , Inc. will not process the automatic payment request, which is making the payment late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NM).
Issue: Wrong amount charged or received

Complaint: Complaint against Coinbase On XX/XX/XXXX, I attempted to buy {$200.00} worth of XXXX. I pressed confirm buy but nothing happened. I watched, logged out, logged back in later, still no indication my purchase had gone through. So I tried the purchase again. Immediately my purchase showed up on the screen as confirmed. I assumed the initial attempt to buy was unsuccessful. 

Then I noticed that my bank account had been charged for two {$200.00} purchases. I checked my Coinbase account and only one purchase was credited. I called my bank and asked them to reverse the payment for which Id received no credit. They reversed that payment. 

Fully one week later on XX/XX/XXXX the initial purchase, for which I 'd had no confirmation, finally showed up in my Coinbase account. But by then my payment had been reversed. I contacted my bank but they could not reverse the reversal. 

Today, I found that Coinbase took back {$200.00} worth of XXXX out of my account but did it at todays Bitcoin price causing a loss to me. This was a problem caused by a failure of their system. I should not incur a loss because of their error. 

Now my Coinbase account is locked. I ca n't buy or sell. I ca n't set up a new payment system. I 'm totally stuck. 

I 've tried repeatedly to contact Coinbase Customer Support with no success. They have no phone number to call. The email address for customer support no longer accepts messages. I 've repeatedly communicated through their online customer support contact system without success.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, XXXX sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems of the Fox Valley, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was charged for installed equipment on garage door that I never requested. In fact, on the bill from XXXX XXXX XXXX XXXX XXXX, company acknowledges that I did not call them to do the work and that it was instead a person who lived " next door '' who summoned the company to fix the door. This debt is now being sent to a collection agency even though I never requested the services in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Experian Information Solutions Inc. (OR).
Issue: Other transaction problem

Complaint: {$24.00} XXXX been charge to my credit card for 1 year, I finally asked my bank about it and they said Experian has been doing this forever and then some. I never signed up for any service and they keep taking money. I have tried numerous times contact them on the phone, but they do not answer. 

I figure I already lost the money, but I want the Experian company to be put on notice that they are fraudulently charging money to consumers.

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 09/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am enrolled in two classes at XXXX XXXX XXXX for the Fall XXXX semester. On XXXX XXXX Navient sent me an email notification that my loan was placed in a status of in school deferment as of XXXX XXXX. I did not request a deferment and have continued on paying my monthly loan amounts. I did not submit any paperwork for an in-school deferment, nor did I approve or agree that an in-school deferment could be automatically initiated. I immediately contacted Navient customer service on XXXX XXXX. I was told by a customer service representative that XXXX XXXX XXXX notified Navient that I was in school and that this notification triggered Navient to change my loan status to in-school deferment. The customer service representative informed me that the in-school loan deferment was removed from my account on XXXX XXXX. I have not yet received email confirmation that the in-school deferment was removed. I am concerned that the adjustment of account to in-school deferment was completed without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XXXX XXXX, 2017. I disputed this item with the credit bureaus and I requested that the credit repositories contact this company to provide proper validation documents which I never received. However, the credit bureaus kept the account reporting in my credit file. 
This is a violation of FCRA and FDCPA on both parties. Also, this item has been removed by XXXX from my credit report. What makes this item valid with XXXX is a mystery. This is my last resort before getting a legal counsel involved.

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 02/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I called in to Bank of America on XX/XX/XXXX to get my balance and lo and behold it did not accept my telephone numbers, land which is XXXX for over 18 years nor my cell which XXXX for 5 or 6 years. Why because they had let some one change my phone # to a number no where near my ID numbers. Why they could tell me. This scares me, this is second time I had an issue with Bank of America. When I was working on the road between different states, they told me they had not turned my check request in and I needed to order them again, meanwhile, they send out the XXXX order, which was stolen and I had the same checks in California. I had fly XXXX and change everything and go back work. How can Bank do these things without authorization? I am furious. Please advise.

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 08/30/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This account with Optimum Outcomes need to be returned back to XXXX. For one it was a XXXX visit I left and never saw a Physician. I am XXXX since XXXX so XXXX should have submitted it to XXXX. Social Security submitted all this to XXXX. So the miscommunication is with XXXX billing Department. XXXX did not send me anything regarding this charge, because I would have disputed this balance, Because I was only XXXX and the wait was to long so I left I did not see a doctor. XXXX would need to submit this back to XXXX for they could submit it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: XXXX XXXX submitted a hard inquiry to Equifax Credit Bureau on XXXX/XXXX/2015. I have no knowledge of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Fraud or scam

Complaint: I just had a decrease alert from XXXX and my identity has been stolen since XXXX. And also my grandmothers and grandfathers. It is XXXX. And they are leaving me broke without a vehicle and XXXX embroyos missing and they have not help me at all. I have been thru XXXX and I am also working with the dea. Get my credit fixed. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX a XXXX and it is XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX and 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 explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have received No response from our mortgage lender to consumer finance protection bureau Case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: from XX/XX/14 i had a XXXXXXXX XXXX and XXXX from there i was unable to work and lost everything. There are multiple accounts from this day forward basically all medical with XXXX The hospitals took care of my bills through community care and charity as I was sick multiple times after. I do not have the funds to pay these amounts and would ask that they be reconsidered or removed based on financial status, sickness and inability to pay.

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