milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015 Synchrony Bank/ Walmart contacted me to pay on a debt. I was told to pay XXXX over the phone, so my account would not be sold to collections, so I gave them my check account number to take XXXX And they did. Then I received a letter stating that my account was sold to XXXX XXXX on XXXX/XXXX/2015 Now Synchony Bank has no record of the transaction that was taken from my bank account. And my balance with XXXX XXXX does not reflect on my account. However my checking account shows that the XXXX dollars was taken by Synchony Bank before the account was sold to XXXX credit on XXXX/XXXX/2015. My complaint is that the money was never posted on my account, but yet it was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I opened a Macy 's card on XX/XX/XXXX. I just checked my credit report and see that it was closed due to inactivity on XX/XX/XXXX. I was never notified that it was going to be closed. Since it was XXXX of my older accounts, now that it is closed, it has effected the average age of my credit history, which is negatively impacted my credit score. I would like for the account to be reinstated so that my history of good payments can be reflected on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from XXXX to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.

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 09-01-2017 about Debt collection (Private student loan debt) with HEARTLAND PAYMENT SYSTEMS INC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Since XX/XX/XXXX, I have been making monthly {$120.00} payments on student loans owed to Campus Partners/XXXX XXXX that were sent to XXXX XXXX XXXX XXXX for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XX/XX/XXXX Recent balance {$6900.00} as of XX/XX/XXXX {$800.00} past due as of XX/XX/XXXX 2. Opened XX/XX/XXXX Recent balance {$3400.00} as of XX/XX/XXXX {$710.00} past due as of XX/XX/XXXX. 
3. Opened XX/XX/XXXX Recent balance {$9100.00} as of XX/XX/XXXX {$1000.00} past due as of XX/XX/XXXX I have contacted XXXX XXXX XXXX on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XX/XX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX method On XX/XX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX  method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. XXXX XXXX XXXX has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 I attempted to contact Equifax via the following link to their website : https : //www.ai.equifax.com/? XXXX This website continously " times out '' and fails to load, thereby denying consumers access to correct their credit reports and dispute inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I 've already emailed Conns 's about not contacting via my cellphone any longer. They will cal repeatedly while I am working and during other personal times. I asked them already to stop contacting via my cellphone but just today they have contacted me 3 times about making a payment that 's only a couple of days past due. I 've tried blocking their numbers but they continue to change their auto dial numbers to get through this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a 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 non-monetary relief
Consumer complaint received 05/18/2015 about Payday loan () with 2233 Paradise Road LLC (CA).
Issue: Can't contact lender

Complaint: Cash Factory USA keeps calling at my place of work, even though I 've told them that I ca n't receive calls at work and have requested they stop calling my place of work. They have even gone as far as to call my personnel office looking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In early XX/XX/XXXX I learned that there were questionable entries on my credit report after requesting a loan. At that time I requested my free annual credit report from all three bureaus by calling XXXX. In XX/XX/XXXX I received a report from XXXX, but not the others. On XX/XX/XXXX I again called the XXXX number to request my free annual credit report and did not receive them. On XX/XX/XXXX I called for the XXXX time requesting my free annual reports and as of today, XX/XX/XXXX I have not recieved a single free credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I rec 'd a phone call from a XXXX XXXX at XXXX XXXX who said she was calling from XXXX XXXX XXXX and that she was an attorney and that this was an attorney 's office. They have called my husband at work numerous times even though they have been asked not to as it will jeapordize his job. When I googled this company it said it was a debt collector and that they had been shut down once. This is for a debt from 2008 that just keeps getting sold.

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 08/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: di tech has provided another style of mortgage statement. The statement indicates statement date : XXXX/XXXX/2016 and statement due date : XXXX/XXXX/2016. Due to the date of receipt of the statement taking place on/about XXXX/XXXX/2016, I view the XXXX/XXXX/2016 date as a false assertion on the part of ditech. In order to resolve this lack of confidence in the ability of ditech to conduct business in a clear transparent fashion, I request for CFPB to review the mailing and document dating practices of ditech. With respect to the dating of statements I request for CFPB to require ditech to date the monthly statements with the actual date of preparation and the actual date of submission to the US Postal Service for delivery to the mortgage obligees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My HELOC w ith First Merit B ank termed out  XXXX   of 2016 an d at end of term  First Merit sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called First Merit Bank for guidance. I was told by a representative to continue m aking monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from  XXXX   2016 -   XXXX   2016. I then  called the  First Merit customer service line. The First Merit  Bank representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact  XXXX   XXXX  who called customer service on my behalf many times. The n Huntington Bank took o v er First Merit Bank  and now many of the personnel familiar with my situation are no longer employe d by Huntington Bank.  Luckily my  XXXX   XXXX  branch contact  XXXX   XXXX  is still wit h Huntington B ank.  XXXX  has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected.  Huntington Bank has  since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internall y, Huntington Bank k nows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.

Company response to consumer: Untimely response
Consumer complaint received 10-09-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind on my mortgage in 2013 due to illness. I received help with the " Ohio Save the Dream '' program. Wells Fargo received the payment from the program and stated the amount received was incorrect. A check for {$15000.00} was sent to pay the mortgage through XXXX/XXXX/13, which is what was stated on my closing documents. Wells Fargo said they were only notified that the mortgage was to be paid through XXXX/XXXX/2013 and returned {$1700.00}, saying they are not permitted to apply more funds than what is allowed for a loan " saving '' through this program and that they were only told to apply through XXXX/XXXX/13.. I was n't able to get the mortgage caught up. Wells Fargo blames Save the DReam. Save the Dream says it was a problem with Wells Fargo. None the less, I lost my home and would like to rebuild my credit to be able to buy a home in the future. I have asked Wells Fargo to remove the negative reporting from my credit. They say they ca n't because the mortgage was behind ... but it was only " behind '' because they returned the funds. I do n't care about who is at fault. I just want the negative reporting off my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing disputes

Complaint: Overview : A hotel overcharged me in a foreign currency. They later reimbursed me, but due to the change in the exchange rate I ended up paying more. 

Details : Recently I booked a hotel online via the hotel 's site. The hotel accidentally overcharged me. The agreed upon cost was XXXX, they charged my credit card XXXX XXXX ( they misplaced a decimal ). My credit card converted this charged in to USD, so this amount ended up being about {$4900.00} USD. 

The hotel acknowledged their mistake and reimbursed me for the overcharge in XXXX ( XXXX XXXX ). They credited my card {$4300.00} USD. 

If the hotel had charged me the correct amount to begin with, the charge on my credit card would have been {$490.00} XXXX. Because of a change in the conversion rate, I am now paying about $ XXXXUSD ( {$94.00} more than I would have if they had not made this mistake ). 

The hotel mistakenly charged me XXXX times the agreed upon amount. Chase is saying that as the consumer, I am responsible for paying the conversion rate difference. I should not be held responsible for the mistake of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed for dispute of a collection placed against me from XXXX for XXXX for a debt that was setteled at time of account closure due to damages caused to my home and theft during an alarm install. My thermostat was taken with them when they installed thier system and the drilled holes through my shutters to mount a camera without my authorization. XXXX agreed to cancel my contract as well as close my account with zero balance due to the above situation. The dispute cleared from the previous debt collection agency and was taken off my report. Now a few months later a new company called stellar recovery inc . It is to my understanding that once removed a new company can not refile and place back on your credit report. I have now redisputed as it caused my credit score to drop almost XXXX points. XXXX has already deleted XXXX is pending and has not shown back up on XXXX. I am seeking help to stop this from reoccuring as it has damaged my credit severely and as I have read an illegal act on stellar recoverys part to reissue to creditors as negative information on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Payday loan () with SFS, Inc (NC).
Issue: Charged fees or interest I didn't expect

Complaint: Everytime they debited my bank account it was for more money than they were to get.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are wrong issues appeared on my report,  XXXX  ANISTEE JUSTICE COUR  XXXX   XXXX   XXXX  BKPT CT AZ  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 03/23/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed XXXX medical collections from XXXX. 
These collections were included in a chapter XXXX bankruptcy case. 
The collection agency said that the case was dismissed however they were referring to a case from XXXX. I filed Chapter XXXX in XXXX case # XXXX which was discharged. Equifax keeps the account showing as open. Also equifax does not show the bankruptcy case on my report. Case # XXXX. 
I would like the collection accounts removed or updated to show closed with {$XXXX} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Late fee

Complaint: In XX/XX/XXXX ( I 'm not sure of the exact date ) I received a letter from Citizens Bank saying I owed {$11.00} on a credit card I had canceled approximately a month earlier. I was told Citizens accepts charges on a canceled credit card for 30 days after cancellation. On XX/XX/XXXX I paid the charges ( facilitated by the bank branch manager who also said she overnighted it to the CC office. ) In XX/XX/XXXX I received a bill for {$1.00} with payment due on XX/XX/XXXX. I inquired ( with the same bank branch manager ) about the charge and she could not give me a satisfactory answer. She called Citizens CC number, spoke to a person who said I needed to pay the penalty. The reason : the {$11.00} payment was received on XX/XX/XXXX therefore incurring a charge of {$1.00}. Yet the bank check for {$11.00} was dated XX/XX/XXXX and I was told it was sent by overnight mail to the CC address. The Citizens branch manager handled all the details including calling the CC center to ensure that her actions addressed the issues both in XX/XX/XXXX and in XX/XX/XXXX. Questions were not answered : why the {$1.00} charge on a payment facilitated by a Citizens representative based on instructions from the Citizens CC person, why did I not receive any communication from Citizens until XX/XX/XXXX ( they said they sent monthly bills to my old address yet these said bills were never forwarded by the post office nor did the new homeowner bring us the bills - friends bought our house and they periodically hand deliver mail meant for us ). Also troubling, the branch manager at one point responded to the CC person, " I know we 're on the same team. '' I am troubled by a charge appearing almost 7 months after the CC was canceled and 6 months after I paid the remaining balance on the card per the exact instructions and facilitation by 7 the branch manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2017 about Debt collection (Auto debt) with Mid-Atlantic Finance Co., Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I initially submitted a dispute with the credit bureaus in  XXXX  of  2017 reques ting validation of this debt w ith Mid-Atlantic Finance. I never received any proof that I requested, just stating that it meets the FCRA Act, duri ng that dispute process they continued to report a late payment for a debt that is past the Statute of Limitations for Texas, meaning they ca n't collect on the debt, but still failed to provide a legal form of indebtedness with a physical signature. On  XXXX   XXXX  I sent my validation request to  Mid Atlantic Finance direct ly requesting the same information for validation and again on  XXXX   XXXX ,  2017 , they reported a late payment again during an investigation period. While an account is under dispute, all activities must cease until the investigation is complete. Not once, but twice have they failed to supply a physical form of indebtedness with a valid physical signature and they are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Other transaction problem

Complaint: I wired $XXXX USD to my Coinbase account.  Coinbase did not post the money and says they returned it.  It was never returned.  I have spoken with my bank at length and they have completed their investigation.  They say Coinbase took my money and never sent it back.  I have written to Coinbase 8 times, they only send automated responses.

-The full name on the account the wire was sent from:   (private)
-The amount of the wire:  $XXXX -The date the wire was sent:  XX/XX/XXXX
-The federal reference # or IMAD # for the wire:   XXXX

This is the original email from Coinbase:

From: Coinbase [mailto:no-XXXX]
Sent: Tuesday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX
Subject: Wire reversed


[Coinbase]





Hi XXXX,

You recently sent a wire to fund your Coinbase or XXXX account for $XXXX USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing.

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page.

If haven't received your funds after 7 business days, please email XXXX for assistance.

Respectfully,

The Coinbase Team

Company response to consumer: Closed with explanation