milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: my issue is with Equifax credit reporting agency, they have items on my report that should be deleted. I have had this issue repeatedly with them, there was an item that was on my report fro the company XXXX in which they wanted me to pay them XXXX, which I knew was incorrect and I submitted a court document showing I owed much less and they somehow lost it three times and received on the fourth try. upon reviewing it and plus I gave them thirty days they told me on the phone because the company has my social security number that superseded the court order and the amount was correct. needless to say this item just finally came off my report. I talked to them recently about a XXXX XXXX item on my report that has been on my report for 11 years and that have been removed in 2012, I even called XXXX XXXX and they looked at it and evened agreed with me saying it should have been removed plus the account is closed. Equifax stated which have recorded that they charted on it and it will stay for 7 more years, which I know it is not correct. another issue that bothers me is that negative items are disappearing and my credit score is decreasing, which to me is making no sense. I have not had any new negative items added either.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello,My name is XXXX XXXX XXXX. I am XXXX years old. I am a XXXX XXXX. I am an XXXX veteran of the United States of America. I object to being treated like this. My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of.This needs to stopped.I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!

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 08-02-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraudulent charges were made on my credit card in the amount of over {$1600.00}, I reported the incident the moment it appeared on my pending transactions online. The physical credit card has been on my person throughout the entire time and the transactions were made in a location where I was over XXXXmiles away from. 

I tried to report the issue immediately but instead the agent said I must wait until it appears on my statement before they will do anything. I then waited until the statement was completed and remade my phone call, they then closed my account to issue a new credit card with a delivery of 1-2 weeks. 

I then tried to make a purchase using the online portal but the credit card was not available, I then called to make a payment but they never removed the fraudulent charges. I spoke to an agent and they said it is their policy that they keep it occurring interest until their investigation is concluded. I was also unable to make a payment until I receive my new credit card. 

When I received my new card, I activated it and then tried to make a payment on the portal. I called because the now activated card was not present, the agent I spoke to said it will take up to 4 days before the account is linked. I explained I do not want to be held liable for interest or late fees since I pay my credit card in full. He assured me it will not be an issue. 
I am filing this complaint because the method in which they handle this, refusing to remove fraud charges, allowing fraud charges to continue accumulating interest and blocking my access to make a payment, seems to heavily favor them in terms of late fees and interest. I do not trust this company since they are working outside the norm and wish to be protected.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, CONSUMER PORTFOLIO S and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NJ).
Issue: Fraud or scam

Complaint: I have like more than XXXX dollars currently invested in my coin base account. 
They have suspended my account without any prior intimation or reason, it has been more than 2 weeks. 
I am not able to check what and where my money is. They dont have any customer support. They do n't pick up the customer support number. Their customer support email is in active. 
The transactions are n't reverting back to my linked checkin account too.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We took out a loan from XXXX about 10 years ago. Somehow we wound up paying PNC bank for the monthly payment. PNC demanded the balance of the loan be paid back immediately, although we have this loan for 10 years and have been paying all payments on time. Just recently, we received letter from an attorney from PNC. Now that we are forced to sell the property to pay off the balance, we found that in addition to the balance of the loan, they asked us to pay a {$200.00} administration fee and {$2000.00} lawyer fee. If PNC decides to hire a lawyer, why am I asked to foot their lawyer 's bill. If we do not pay them, we will not be able to close the sale and pay the loan balance. This is nothing more than an extortion. Can they really do this? Another issue I am concerned with is that they may be clouding the title of the property with their legal mingling. Please contact me soon as the closing is upcoming and at this point we can not proceed with this open issue. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: A CitiMortgage rep told me my new payment would take effect in XXXX 2016 when I called them to inquire about the start of the new payment. I made payment in XXXX 2016 for the new payment total. On XXXX XXXX, 2016 I received a letter dated for XXXX XXXX, 2016 informing me my mortgage account was in default and had been reported to the Credit Bureau. I had never received any notification of this issue prior to this letter. I called CitiMortgage to find out what this was about and after discussion found that the rep had misinformed me of the new payment start date. The new payment was actually supposed to start in XXXX 2016. The supervisor I was speaking with verified through checking previous notes that the rep I spoke with did misinform me of the new payment start date and apologized for this mistake. She said she would submit a request to the Credit Bureau to have the report corrected. Citimortgage has since decided not to make anything right with this situation and has refused to send me any documentation on this issue or remove the late payment from my credit report. The company falsely reported information to the credit bureau and is also causing my current refinance I am going through to fall through due to the late payment report from CitiMortgage on my credit report.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are several hard inquiries on my credit report that I did not authorize. I reached out to all 3 bureaus with no luck. The following inquiries are unauthorized on my report : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/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 04-12-2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I have documentation that shows that US Bank would not charge a Returned Item Fee nor an Overdraft Fee on my account ( Number XXXX ). When a withdrawal or other debit came in and there were non-sufficient funds, the payment was returned, without charging any fees, unless the resulting overdraft amount was negligible ( This occurred seven times between XX/XX/XXXX and XX/XX/XXXX on the old account as shown by notices received in the mail attached herein ). 
On XX/XX/XXXX, I opened a new account at US Bank ( XXXX XXXX ). On XX/XX/XXXX, an overdraft fee was charged, and a few days later two other payments were returned, one other was returned and more fees were added. The Bank has failed to provide satisfactorily explanation of this change in policy. At the time of opening the new account, I was not given any notice or warning that new rules would apply. The Bank keeps adding extended overdraft fees. 
In my perception, the bank should have not honored any payments that were underfunded nor charged any fees for overdraft nor returned items because US Bank created a reasonable expectation through consistent behavior upon which reliance was reasonable. The Bank should bring the account to XXXX balance at its own expense. Further, the bank should refrain form a threatened charge off or any other report that will harm my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have debt that the company Alliance One is trying to collect from me. They sent me a letter regarding the debt stating to call them to set up a payment plan agreement, i then called and they stated they dont do payment arrangements and that they wanted the whole debt paid off or they will pursue legal ways to deal with me. I then asked to speak to a supervisor seeing that this wasnt right in how they are treating people. After futher looking into the debt that they are trying to collect from me, its to old of debt back from XX/XX/XXXX which is way past the Statue of Limitations laws in the state of washington regarding debt. I received a phone call yesterday on XXXX regarding the debt and they were overly aggressive, rude, and threatened to sue me and garnish my wages over debt that was to old to collect besides the XXXX parking tickets from XXXX courts. I told them at the moment i was homeless and did not have that much money to my name and that i was recovering from a car accident from XXXX XXXX. They did not care and said there attorneys already filed with the courts and the only way to stop the garnishment was to pay the biggest ticket at that time. So i took money i did not really have and paid {$260.00} to Alliance One and they said if i did not pay them {$300.00} a month on a XXXX that they will sue me. They have broken the federal fair debt collection practice act and i would like this dealt with immediately. I dont appreciate being threatened especially over time-barred debt that legally they cant do. The debt that they were threatening to sue me for were old cable bills with click cable located in XXXX WA. XXXX of them wasnt even in my name it was in my wifes name. I have gotten an attorney on the matter as well and would like for this divsion to also look into how this collection agencie is breaking federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Payday loan) with GVA Holdings, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This is the last and final chance for you. 
This Legal Proceeding issued on your Docket Number XXXX with one of Cash Advance XXXX. The company in order to notify you that after making calls to you we were not able to get hold of you so the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 
case File # : XXXX Loan Amount : {$300.00} Amount Outstanding : {$790.00} Settlemen Amount : {$400.00} You are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. 

XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you found guilty into the court house then you have to bear the entire cost for this law suit {$6300.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you, we believe that this was not your intent and that these steps are unnecessary. 
IF YOU WANT TO RESOLVE THIS MATTER IMMEDIATELY CONTACT US.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX / XXXX  /2017  I called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.

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 06/16/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX  Bankrupt cy discharged   XXXX    XXXX  ? - Capit al One called  my home and sent me emails  XXXX / XXXX /  XXXX  ? - Capi tal One left voi cemails at my workplace  XXXX  Cap ital One  l eft two voicem ails at my workplace  XXXX  Ca pital One left two voice mails at my workplace  XXXX  I talked to someone  at Capital One and told  them the debts were covered in bankruptcy. They transferred me to someone who was going to try to collect my debt. The call was never picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax did not process items that were discharged in my bankruptcy. I mailed my discharge to them XX/XX/2016. I did another online dispute XX/XX/2016 and was told I had to mail my drivers lisc. SS Card, and utility bill in order for them to process.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I had deposited a check into my Wells Fargo business account on XXXX/XXXX/16 from a check from a XXXX account. Wells Fargo had placed a 5 day hold on that check pending verification. On the next day, XXXX/XXXX/16, the check had cleared the XXXX account and was no longer there. Funds had been transferred to Wells Fargo. But they still did n't release the hold. I had fought with them for a week, in the process having my account go into a overdraft situation therefor incurring fees while the account was technically not negative. I repeatedly called the customer service number and nobody could explain where my money was, just that it would be available on XXXX XXXX ... .well over a week away. I had told them I have verification the check cleared, why do n't they. And again no answer. 

I know they have done this numerous customer via website chat rooms about Wells Fargo. It looks like they are using are money to play with to cover the fines they accrued in this latest round of corporate misdoings. This is not fair and they should be fined for this.

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 05/22/2015 about Bank account or service (Other bank product/service) with Comerica (ID).
Issue: Making/receiving payments, sending money

Complaint: I receive my social security XXXX on a master card from direct express. Which is an approved method from social security. On XXXX XXXX 2015 my account was wiped out. somehow, someone in California accessed my account and charged {$1500.00}. I discovered this on XXXX XXXX 2015 When I went to make a purchase at XXXX XXXX in my hometown of XXXX XXXX. I immediately called direct express & I was informed of these charges. I was told there was some type of a hold on the money & after XXXX XXXX I could get my money back.Nothing further needed to be done on my part. I requested a new card, which shut me out of the online service to see the charges. My new card came in the mail on XXXX XXXX. I got online to see that charges were still there. So i called direct express again & i was transferred to the fraud department. I was informed that I had not spoken to their dept. i was told they would mail me some forms to fill out. I went ahead & sent my own statement, contesting the charges as fruad. I received their forms on XXXX XXXX. Subsequent calls to direct express have not be addressed. I called Comerica bank which in on the card. I was told they only make the plastic. Direct Express has informed me that it takes up to XXXX days after receiving my dispute of the charges to give me a provisional amount. If approved., and the investigation could take XXXX days. And that if i was n't approved for a provisional amount it would take XXXX days to return my money. I can not pay my bills because of this fraud committed against me. Direct express has given me a run around and is not specific about my money being returned. I have filed a police report with the XXXX Police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: I purchased a dress online from Macy's.com on XX/XX/XXXX for {$340.00}. It did n't fit my sister so it was returned and credit was recorded on XX/XX/XXXX for {$320.00}. When I got my statement ending XX/XX/XXXX it showed that I had late fees of {$27.00} and interest charges of {$3.00}. I called customer service on or about XX/XX/XXXX to resolve the issue and the agent indicated that the late fee and interest charges would be reversed and she would waive the {$20.00} discrepancy for my troubles. Had something to do with a glitch in the system for no minimum payment posting. Fast forward to XX/XX/XXXX and I received a letter from Macy 's Collections Department ( dated XX/XX/XXXX ) that {$50.00} would be withdrawn from my bank account on XX/XX/2016. In fact, {$33.00} was withdrawn from my bank account on XX/XX/2016. So, I called Macy 's again to work on the issue. Some how they had reversed the interest charges and an arbitrary portion of the late charges ( {$14.00} ) and failed to reverse the {$20.00} discrepancy. After speaking with many customer service agents, I believe I have gotten this issue resolved however the explanation of the {$33.00} charge to my bank account was because I am on autopay, which is true! I am on autopay. Therefore, none of the late fees or interest charges should have posted since the {$20.00} discrepancy from the month before should have been on autopay, as well! The point of this complaint is somehow in less then 60 days I have gone into collections for a dress I had for less than 2 weeks. It feels like I 'm being harassed. Now, my account has been adjusted and shows a credit balance of {$33.00}, but the additional late fee adjustment of {$13.00} has been back dated to XX/XX/XXXX. So if you look at my account now, the most Macy 's should have taken from my bank account is {$20.00}. Luckily, I do n't carry balances on credit cards but if i did, I do n't think I would have been able to figure this out and this practice likely affects many other 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 monetary relief