milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: This item on my Credit Report referred to by the Collection Agency, XXXX XXXX had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX and I ( XXXX ) payed our monthly mortgage payments from XXXX, 2016 to the current date, XX/XX/2016. However, we made XXXX payments XX/XX/2016. We have not received any credit to our account or acknowledgement of the checks received XX/XX/XXXX. We would like our account to be credited in the amount of {$970.00} for the extra mortgage payment we made XX/XX/XXXX. Also, we were not able to review the response to our complaints online. Could Nationstar Mortgage and XXXX XXXX XXXX send their written responses to our complaints through the postal mail? XXXX and I do not have a computer at home at this present time. Also, it would just be easier and more helpful for us to read what our mortgage company has to say in regards to our complaints. 
Also, we would like the CFPB to review our case very seriously. We have been victims of fraudulent banking activities by both XXXX XXXX XXXX XXXX Nationstar Mortgage. XXXX and I mailed a letter yesterday requesting that the office of the Minnesota Attorney General-XXXX XXXX send to the CFPB a copy of all the correspondence we had with them as well as with XXXX XXXX XXXX and Nationstar Mortgage..

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Trouble during payment process

Complaint: In going through my statements & escrow balance today, it shows that {$1000.00} was sent to my hazard insurance carrier on X/XX/17. The bill for my hazard insurance is {$700.00}. I went through all my statements and the only disbursement is the {$1000.00} - which is incorrect. I contacted Nationstar Mortgage but no one could tell me, or would tell me, why the information showing on my account online is incorrect or why there is no statement showing the that correct amount was paid to my hazard insurance carrier. I also can not see where the {$1000.00} was deposited back into my escrow account and where the {$700.00} was paid - I actually ca n't reconcile my escrow account at all ( it does n't help that there is usually more than one statement per month - very confusing ).

There are also disbursements out of my escrow account each month ( approx {$100.00} per month ) but no description of where that money is going.

No one at Nationstar will assist. I have called several times today and am constantly told that I ca n't talk to anyone who might have the answer. I do n't understand this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Debt collection (Credit card) with Capital Management Services, LP (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Collector keeps calling me on a fraud account that is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: The Penalty fee is too much. For only 4 days of late payment. 

Dates : XXXX XX/XX/17 was the past due. I pay on XXXX. XXXX/17 I do require a credit for {$35.00} in my account. [ complete penalty ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, a fork of Bitcoin called Bitcoin Cash occurred. Coinbase.com promised their customers that anyone storing Bitcoin on Coinbase on XX/XX/XXXX would receive the equivalent number of Bitcoin Cash when they rolled it out in XX/XX/XXXX. I held XXXX Bitcoin in Coinbase on XX/XX/XXXX. But Coinbase has not credited my account as they promised. They immediately closed my original support ticket with a generic response that had nothing to do with my case. My second support ticket ( Case # XXXX ) is two weeks old with no response. I have XXXX to the XXXX Coinbase support account ( not to mention the CEO XXXX XXXX ) on multiple occasions with no response. At today 's price, my XXXX Bitcoin Cash would be worth more than {$11000.00}. As Coinbase refuses to respond or acknowledge the issue, I can only assume they have no intention of paying what is owed. 
Dates : I purchase XXXX BTC on XX/XX/XXXX, another BTC on XX/XX/XXXX, and XXXX BTC XX/XX/XXXX. These assets were held in Coinbase Vault during the time of the fork.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I signed up for a Citigold account account with promotion XXXX that promised XXXX XXXX XXXX AAdvantage miles after completing certain requirements. After the requirements were met, according to the terms and conditions of the offer, the AAdvantage miles would post within 90 days. For the CFPB 's reference, I have attached the official requirements. I have attached a secure message from a Citi representative that I met all requirements for this promotion on XXXX/XXXX/2016. After the Citi representative told me I would receive these miles at a later date, I decided to follow up with her to remind her of the official promotion language to ensure I would receive the miles by the specified date which would have been XXXX/XXXX/2016 ; this message is attached also. XXXX/XXXX/2016 has come and gone and my miles have not posted. I am aware that Citi has refused to distribute the promised miles to other Citigold customers so I am filing this complaint.

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 03/27/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2017, received a letter from XXXX stating it was representing Aargon Agency Inc in the collection of {$190.00} owed to XXXX. Business has never been conducted with any of the named entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (PA).
Issue: Problems caused by my funds being low

Complaint: I deposited a check for {$1400.00} into my account on XX/XX/XXXX. Due to my account going negative back in XX/XX/XXXX they are placing a 5 day hold on any check deposited into my account until XX/XX/XXXX. When I paid my mortgage, the funds were not to pull from my account until XX/XX/XXXX, however due to a typo, the funds withdrew on XX/XX/XXXX causing my account to go negative again. By Ally having the additional hold on the check that I deposited, it is causing me an additional hardship and exra fees.

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 11-10-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Shopping for a loan or lease

Complaint: hello Last XX/XX/2016, i let the car XXXX XX/XX/XXXX in the salesman XXXX and i film a video making the deliver to him in XXXX XXXX Dealer within three weeks of having the car because he were demanding a down payment of {$500.00} dollars not agreed in the contract signed on XX/XX/2016 Today I received the Santander financial account for {$350.00}, Santander do n't ask for any down payment, the XXXX payment for a car that I returned to the Sale XXXX in XXXX, XXXX , NC XXXX, 19 days ago and that they premeditatedly and in bad faith have not informed the Santander financial institution that I do not have the car and have not returned the loan money to them. 
I asked to inform Santander that I had returned the car to XXXX in XXXX on XX/XX/2016. I do not want that car precisely because they were asking me for a down payment of {$500.00} off the contract and they can not force me to do something that we did not agree on the contract and that I do not want to do. Before 30 days I returned the car, before the term granted to me by law

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (I do not know) with ECMC Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: As I was signing up for the app called  XXXX  the app told me that Bank Of America is not a bank they are associated with. I find this odd and disturbing as I just switched from  XXXX   XXXX  to Bank Of America and know that  XXXX   XXXX  is excepted with the  XXXX  app but not Bank Of America. I find this highly disturbing because Bank Of America is the second largest bank in the nation. Therefore Bank Of America should be a bank excepted through the  XXXX  app. Please tell Bank Of America to get with the program as I have been with them since  XXXX   years old  which would be 20 years!!!!!

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 12/20/2017 about Debt collection (Medical debt) with Financial Data Systems (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX/XXXX/XXXX from XXXX XXXX. The creditors is reporting on my credit report as derogatory when it is not my debt and my daughter has XXXX. This is also a VIOLATION OF HIPPA LAW. My daughter indignation should not be disclosed to a XXXX party and this company is trying to collect when it had been paid my 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 05/16/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax reported the above bankruptcies on XX/XX/XXXX as reporting accurately. 
This information is inaccurate both cases have reached the statue of limitation & should bedeleted. XXXX XXXX XXXX # XXXX CHAPTER XXXX XX/XX/XXXX statue 7trs from date of filing, removal date XX/XX/XXXX, still on my report.XXXX # XXXX, CHAPTER XXXX, statue 10yrs.from the date of filing, FILED XX/XX/XXXX, it has been XXXX, should be removed by Equifax, also.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Arbitration

Complaint: My wife and I went on a cruise to XXXX XXXX. We went into a retail jewelry store. We saw a XXXX XXXX White Gold Diamond Pendant. We told the sales people that my wife wanted a XXXX XXXX Yellow Gold Diamond Pendant. The sales people told us that they can make the White Gold Pendant Yellow Gold. We agreed. The sales man took the Pendant out of his store to another location. Almost XXXX hour later, he came back with a Yellow Gold Pendant. My wife and I were in a rush to get back to our ship and quickly inspected the Pendant. We did not know it at that time but the center diamond is damaged. When we got home to Florida, we took the Pendant to our personal jeweler for further inspection and appraisal. Our personal jeweler inspected the Pendant through a XXXX and discovered a compression crack in the center diamond and he refused to appraise the pendant because if it. I called the jeweler in XXXX XXXX. I explained my situation. I was told that " XXXX '' was not in the store, that they would give him my message and that he would call me back. He never did. For almost two weeks, I called and asked for " XXXX ''. " XXXX '' was never available. The last time that I called the store, I threatened to initiate a dispute and arbitration with my credit card company. " XXXX '' called me back. He is denying that the Pendant is damaged. He wanted me to mail it back to him at my expense. I refused to mail it back to him at my expense. I was afraid that I would not get it back. I then initiated a dispute and arbitration against him with Bank of America. After all of my proof, a second opinion letter from my personal jeweler in Florida, and pages and pages of our rebuttals to this jewelers response to this dispute and arbitration, Bank of America is refusing to help us anymore. They 've rebilled my credit card for the full amount of the purchase. My wife and I are literally stuck with a damaged Pendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife, son, and I joined a gym 3 years ago. It was a monthly payment charged to our credit card that we left on file with them. They gym sold to another company. We were never given notice and we never advised of any changes to our contract. We called and were given permission for our military son on XXXX to use our tag and work out. By this time, the 3 members were not using the gym anymore. When our military son returned home 6 months later for XXXX leave, he tried to use the gym. Again, the 3 members were still not using the gym. He was kicked out and told he could not work out there. We decided to quit the gym. To do that, we were informed we had to continue to pay for two months after quitting. Also, the person we talked to did n't cancel our contract that evening. They were just going to keep charging our card monthly. We disputed that and contacted our credit card company to advise them we were challenging this. The credit card company froze our account so it could not be charged until the dispute was resolved. After 30 days, this company still had not responded to our credit card 's inquiry. They will not even answer the complaint. And, a week after disputing the charges with our credit card company, someone with all of our information, tried to add their name to our account. Because of that, the credit card was cancelled and a new one issued. The gym does not have the new one. We have now been threatened if we do not pay for these two months, it will be turned over to a collection agency and our credit will be dinged. We have tried twice to talk to them and they just do not care. We have also received multiple calls from the " financial company '' to 4 different phones even though we requested they only call one number. It is also a recorded message, never a live person. We have now sent a cashier check through registered mail in the amount this company has requested and we have asked that they never contact us again via phone or email. Even after receiving that check and signing for it, we were still called 5 times on the day of the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XXXX of XXXX I took my motorcycle to XXXX XXXX of XXXX to have some modifications done. I told them at that time I had over 1000 dollars in gift certificates for their store and the remaining money would be paid by check. There was never a question brought up with financing any of this. A couple months later a Hard credit report shows up on my credit check I periodically do and try to resolve the issue with this company and after many months I filed a report fearing some type of fraud. Come to find out after the investigation it was XXXX XXXX of XXXX that requested this with no knowledge to me, and me not even thinking I would have a credit check done seeing that I was paying for this with no credit involved. I was never asked nor told there would be a check done and was quite surprised to see this happened. I have bought several motorcycles from XXXX XXXX and used their financial network they could have easily went through them to see I have never defaulted or been late with payment on any bike I bought there. Very underhanded move here. I never authorized and credit check for this transaction on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding XXXX XXXX via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from XXXX XXXX asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and XXXX XXXX, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (CA).
Issue: Managing the loan or lease

Complaint: I purchased a 2007 XXXX XXXX nearly 4 years ago for {$10000.00} with $ XXXX down. My payments are {$340.00} per month. I just called to see what my payoff was and they told me it was nearly {$14000.00} This seems like unfair lending practice. How can I have paid on a used car this long an owe more than I purchased the car for. What are my options in getting out of this without messing up my credit? 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 explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

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 12/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because equifax has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation