milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted the " original creditor '' XXXX to inquire about an apartment and filled out an application and told them not to process the application. They processed the application without my permission, I disputed the {$75.00} charge with my bank and it came back that I in deed did NOT sign off on anything and my back refunded my money after my attempts to get in contact with the company who owns the apartment to get a refund. Now they have sold this account to " rent recovery '' and it shows up on my credit report. This account is frivolous and must be removed as soon as possible or I will take legal action against XXXX and Rent Recovery

Company response to consumer: Untimely response
Consumer complaint received 11-07-2016 about Debt collection (Medical) with CCS Financial Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Collection Services, XXXX, XXXX, Ma XXXX, XXXX has and continues to send collection letters and phone calls concerning a purported debt to " XXXX XXXX ''. 
There is no debt, but Credit Collection Services has caused damage to our credit and has caused us to pay higher interest rates for the foreseeable future.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I live and work in XXXX and I hold an Iranian passport. 
My Coinbase account has been block after I tried to verify my identity with my Iranian passport on XX/XX/XXXX. 
Before, I 've verified my Identity on Coinbase with my XXXX driver 's licence and my bank account and then started trading with no problem. After few days I was asked to provide one more government issued ID to double verify my identity. so I submitted my Passport. 
As the result, my account has been blocked, claiming I tried to log in from XXXX! The moment this happened I was in XXXX, XXXX enjoying my holidays. Which proves the excuse for blocking my account to be an absolute false claim. 
Since then I have no access to account nor my money. In total XXXX Euros and about XXXX Bitcoin I 've emailed 5 times, called customer support 3 times and I 've got no response at all. I even submitted the following documents as the evidences of my residency in XXXX on XX/XX/XXXX. 

- my Driver 's licence - my work/residence permit - Residence registration certificate issued by city hall in XXXX, XXXX - electricity bill - Heating bill - my Credit Card statement below is the message I received every time I try to login to my account : " Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ( XXXX XXXX of ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HEARTLAND PAYMENT SYSTEMS INC (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I made an online payment in which I had done for almost the whole previous 11 months of that year despite the fact that they charge XXXX to pay online. My payment was subtracted from my bank account and then credited back 6 days later. I was not aware only to get a bill for XX/XX/XXXX stating I was 30 days late. I called XXXX and spoke with 3 different customer service reps no one could explain what happened why I was credited back the money. Since I didnt want to pay late fee and the fee to pay online I mailed a check for the amount to cover XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX cashed my check on XX/XX/XXXX and left me a negative 30 day late on my credit. They refuse to budge even though I was not made appear that the payment was processed incorrectly on their end and not notified it was returned. 
They are a scam. Charging fees, late fees and not processing payments

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Account opening, closing, or management

Complaint: I closed a checking and savings account at First Merit Bank in Ohio. I had an automatic payment setup from my credit card to use the account that I did not remember to update to my new bank account. I received an overdraft fee because the balance was {$0.00} and the transaction was not declined even though the account was closed 20 days prior to the incident.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths

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 02/14/2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: I did receive feedback from the Synchrony bank XXXX, expires XXXX/XXXX/2018. that they were contacted by consumer finance government. I am still being sent a bill claiming that I owe the bank {$35.00}. It might have been reduced to {$9.00}. There was no change reflected on my bill. Please contact this bank again. I do not owe this bank any money from purchases made on the bank. This bank is charging me for insurance which was never purchased or used. I am simply a shopper at Amazon. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I made a monthly mortgage payment when in XXXX IL at the USbank branch on XXXX XXXX, on XXXX XXXX for XXXX paymentthey ship the payments off to a center and I have been getting calls fromtheir collection area since the right and left hand do n't know what they are ddoing. XXXX the mgr at this branch ca n't not get an answer either. I havea receipt of this deposit. 
thanks for contacting them to find out where my payment is and why ithas not been processed. It is hurting my credit and will cause issues soon. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, 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 08-09-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Ally Financial is reporting an account on my credit report that is inaccurate and inconsistent. The late payments are not correct and different across all three credit reports. I disputed it and they verified it and you can even tell with the attached screen shot, that they said account information disputed by consumer and meets FCRA requirements. But how can it be accurate when just for example, they are reporting me 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX with XXXX and XXXX, but on XXXX they are reporting me 30 days late on XXXX XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX. This is a violation of the FCRA and not in compliant with METRO 2 guidelines.

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 09/20/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Credit line increase/decrease

Complaint: I allowed my son to use my account and he paid the bill. Upon his passing we found out that the balance was over {$17000.00}. and we were told that because the account was in our name we were responsible. Our credit limit was XXXX, very sufficient, but Home Depot took it upon themselves to extend credit beyond that amount. I feel that we should be resposible for only charges upto the credit limit. I have never heard of any credit card extending credit without the knowledge, consent or request of the card holder, but I guess with approx. 24 % int. they did n't care.

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 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I previously disputed an account reporting under the name of XXXX XXXX XXXX on my TransUnion credit file. I have sent several letters of dispute in addition to supporting documentation to CFPB and TransUnion. On XXXX/XXXX/2016, I received a response from CFPB that my dispute for case number : XXXX had been closed. The response included erroneous steps taken by TransUnion to investigate my dispute. On this same day, XXXX/XXXX/2016 I called and spoke with XXXX at XXXX XXXX XXXX XXXX, TransUnion reached out to his office on XXXX/XXXX/2016 and my account notes a dispute was received. I confirmed with XXXX at XXXX XXXX XXXX that I have a {$0.00} balance. This is a contradiction to what TransUnion is stating in their response to me. I requested a letter from XXXX XXXX XXXX on XXXX/XXXX/16 when I received TransUnion 's frivolous results in which I have attached for your review and reconsideration in reopening my dispute. I do not understand how a credit bureau can get away with reporting inaccurate information then be allowed to state in writing that they have conducted an investigation and confirmed the inaccuracies. I simply picked up the phone to validate what I knew was already correct. I have sent several disputes and received responses from TransUnion that their reporting is accurate when I have proven that it is NOT. I am requesting with this written notice that the inaccurate item be REMOVED from my credit report. This account is NOT correct and is causing me financial distress because of the derogatory information. If this FINAL request does not prompt you to conduct a proper investigation of the account in question, and send proof to me of said investigation, I will file a civil suit for damages. As previously stated, I take my credit very seriously and TransUnions lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I am requesting this account be removed immediately from my file. I reserve the right to sue TransUnion for violations of the FCRA and I believe I can prove that they did not use reasonable measures to insure the accuracy of my credit reports and now are stalling the process further. I want this 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 non-monetary relief
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender is alleging they gave notice of additional documents client has complied and sent full package on XXXX/XXXX/XXXX and supplied any additional docs requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (MA).
Issue: Confusing or misleading advertising or marketing

Complaint: In XXXX I noticed that my credit score was improving. I looked into Equifax for 1 dispute. For {$2800.00} it was my dentist ( XXXX. ) who was paid in full through my insurance so I sent all my info to equifax. I looked a couple of months later to see if my dispute was resolved and noticed my score dropped 80-90 points. A couple of weeks ago I heard equifax was hacked, and last night I looked into it. With some hesitation I checked with equifax to see if my credit was compromised because of being hacked and they told me Yes. This is so unfair I was working to build my credit, after a long illness and now all they can do is monitor it. In XXXX I owed {$500.00}. That 's all. All my student loans where paid and now I do n't know what to do. I wanted to buy a home and due to the fact that equifax, my credit score is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: sun trust is violating the frank dodd act and have threatened us with prosecution. We had property listed for sale and specified that the appraiser must meet state credentialing guidelines to stop these false appraisals where they violate the law by using non arms length sales for appraisal comps and by using foreclosures as comps. THis is a specific violation of the law. Our real estate agent objected to a non credentialed appraisal agent per our contract ( we did not name a specific appraiser to be chosen ) and Sun Trust turned around a named a specific appraiser ( violaion of Frank Dodd ) that did not meet contract stipulation of credentials and upon complaint they provided in writing a threat of moving to file a complaint for Our violating Frank Dodd and that we could face prison and fines. What the XXXX is going on here. The banks are manipulating and violating appraisal and Frank Dodd act and when objected to, they threaten the consumer. I want immediate action taken.

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 03/24/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: well ... lets see ... ... maybe we should start with there name or entity ... .the entity is the servicer ... ..which can change or be sold ... to many times in the life of the loan ... ..its very tricky to follow all there instruments they file with the recorders ... office ... most inturments are fraud and the enity is clueless to what is the truth of the original note.but they try really hard to figure it out .the home owner will pay thousands of dollars that will never get credited to the loan, they call theses fee s late fees drive by fees ... .the list is endless ... .the public can try to have them give them freedom of information FOLA .BUT GOOD LUCK.i wish I lived in a nuther state then there might be help .do n't ask for help because the gov. will put you on there merrygoround, and you get passed from one robot to the next.now you can chose to pay for help .but that 's just throwing more money away.dont contact anyone in the state while it is election time.i just want one simply question answered..honestly .this does not happen ..I think that a mogtgage servicer with any loan taken out from XXXX to XXXX its inevitable you will be renting and at the mercy of who ever is the servicer by the mad up rules.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Bank account or service (Checking account) with BB&T CORPORATION (KY).
Issue: Problems caused by my funds being low

Complaint: See attached files. BB & T granted immediate online approval of a 3rd party check for deposit into our personal account via BB & T online banking app ( where they admit technical flaws ). My wife was victim of an articulate online job scam. BB & T approved the check immediately and my wife XXXX XXXX XXXX XXXX took {$870.00} cash out next day to deposit in 3rd party account with XXXX XXXX Bank ( who has now frozen that fraudulent account and funds ). 3 days later ... BB & T notified us our account was drastically overdrawn b/c the check was a scam ( they told us 3 days later! ) and are now trying to hold us responsible for the bad XXXX XXXX check that should have been verified/checked by BB & T immediately. They still have not returned our missing {$190.00} from my account and are trying to hold my family responsible for the negative balance of - {$780.00}. I 've requested details and meetings with BB & T fraud and VP to no avail. Contact XXXX XXXX or XXXX XXXX at 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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXXXXXX to present. During the months where they report current in XXXX, there was no communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr liberative prescription period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.

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