milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with EMCC Holdings, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Case # : XXXX XXXX XXXX XXXX , XXXX. 
ACCOUNT NUMBER XXXX LOAN NUMBER XXXX Sent on : XX/XX/XXXX STATUS : Company responded the complaint does not belong to them on XX/XX/XXXX Dear CFBC team, Thank you once again for your kind assistance. XXXX XXXX XXXX , XXXX. s response leaves us a little confused based on the following premises : 1.If the complaint does not belong to them as they boldly claim, then why did they accept our certified mails and signed all three return receipts? 
2. If we had no business with them then why did they give us an account number in the first place? Why are our business transactions recorded in their books, why do they send us financial statements? 
3. If the foregoing argument has all true premises and a true conclusion, then it is valid and we have reasons to believe that : XXXX XXXX XXXX , XXXX. s response is a false statement made to a federal agency and certainly constitutes federal lying statutes contained in Title 18 of the U.S. Code Section 1001 which states that : Whoever, in any matter within the jurisdiction of any department or agency of the United States knowingly and willfully falsifies, conceals or covers up by any trick, scheme, or device a material fact, or makes any false, fictitious or fraudulent statements or representations, or makes or uses any false writing or document knowing the same to contain any false, fictitious or fraudulent statement or entry, shall be fined not more than {$10000.00} or imprisoned not more than five years, or both. 
We do recognize the dependability and reliability of the United States Postal Service ( USPS ).  Please find attached proof from the USPS and act accordingly. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My American Express bill was due on XX/XX/XXXX. The total due was {$29.00}. Admittedly, I forgot to pay the bill on time and did not pay it until XX/XX/XXXX. The late fee for a {$29.00} charge is {$27.00}, which is almost a late fee of 100 %. I would say that this is usurious, but it 's not an interest rate. It is, however, unfair and abusive. 

Please investigate them and have the charge removed from my account. This ridiculous. I have had an account with American Express for 24 years and have never been late. The fee is completely disproportionate to the bill. Rather than set fees, perhaps they should charge a percentage, like mortgage companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Transunion credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Other service problem

Complaint: I like to start by stating my complaint is with the company Coinbase, which is a bitcoin wallet. On XX/XX/XXXX at approximately XXXX XXXX  after having to replace my phone device I attempted to sign onto my Coinbase account. I was able to enter my user name and password correctly but as a secondary precaution Coinbase also requires the use of an authenticator code. However, with the replacement of my phone I lost access to my authenticator app. Not having the required authenticator code there is an option from Coinbase to submit a license and selfie to gain access to my account. I have attempted to gain access using my photo and ID over 11 times with a denial every time. I reached out to Coinbase on XX/XX/XXXX via phone and was told to keep trying that there was nothing else they could do. I reached out again on XX/XX/XXXX where I was told they were investigating the issue and working with a specialist to address it properly. I continued to attempt access using my License and photo with no luck. With no response I reached out again on XX/XX/XXXX, where I was told for a faster response to not continue to contact them and that my request has been properly escalated. As of XX/XX/XXXX I still have not heard from Coinbase regarding this matter. As of the last time that i had access to my Coinbase account I had roughly {$11000.00} vested. With not having access I have not been able to withdraw my money while watching the Cryptocurrency ascend and descend. This has been a very stressful journey.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I have serious questions of the ethical behaviour of Experian in relation to what credit score they report they report on an individual dependant upon whether the individual requesting the credit report is paying for the " premium XXXX agency report '' or whether they choose to use a " free service provided through their bank or other financial institution [ XXXX in this case ] '' where they entice you to enroll in the other XXXX agency " premium '' credit report and " protection ''. I am going to provide XXXX separate Experian Credit reports that were pulled within minutes of each other, both purporting to show my credit score, however instead of matching as XXXX would expect them to, the paid Experian XXXX Agency Report that was signed up for through XXXX XXXX XXXX, shows my score to be XXXX yet when the free credit score monitoring service provided by Experian for XXXX is pulled within minutes and the credit report shows no material differences it reports that my credit score is XXXX ; a full XXXX points lower than when one pays for the report. Something fishy is going on at Experian and I feel like I have been duped as I have no idea what my true credit score is in my credit file and I have been paying monthly for a report that I now consider less than worthless. This fraud should not be able to be perpetrated on the public just trying to correct errors on their credit files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-08-2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a debt for {$100.00} on my credit files. I disputed through the credit bureaus. However, I am not getting anywhere because they wo n't removed. When I requested debt validation from this company over 6 months ago, I have not gotten anywhere. I pray this time you will help me to get this debt validated or removed from my credit files. 

PLEASE REVIEW PAGES XXXX & XXXX ON THE XXXX 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 06-06-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: A complete financial package was submitted to Caliber beginning on XXXX/XXXX/XXXX. Caliber has an unreliable facsimile as it has not received several faxes from our office in which we have confirmation of fax delivery beginning with the initial submission. Caliber did not allow the borrower 's legal counsel authorization to speak even though XXXX XXXX of XXXX XXXX XXXX XXXX is the attorney of record in their foreclosure and after repeated attempts of faxing Written Authorization to XXXX. XXXX stated they did not receive our authorization for over a period of a month prior to allowing the borrower 's legal counsel authorization to speak on the borrower 's behalf. After repeatedly faxing the Notice of Representation to Caliber. Caliber insisted they did no receive it on XXXX/XXXX/XXXX per Representative XXXX # XXXX, XXXX/XXXX/XXXX Per representative XXXX ID # XXXX, XXXX/XXXX/XXXX XXXX id # XXXX, XX/XX/XXXX- Closed for XXXX XXXX, XXXX/XXXX/XXXX No authorization was received until XX/XX/XXXX. We have had similar incidences with Caliber not receiving documents faxed on behalf of the client with confirmation ( hereto attached ) in which Caliber states they have never received it and thus closed out the borrower 's request. Caliber 's unreliable fax is being used as an excuse to not review the borrower 's request for a loan modification and there faulty fax is preventing the borrower from being reviewed. Caliber has continued to close the file for incomplete documents but has not provided what documents are needed rather verbally or in writing. The missing documents letter ( Hereto attached ) states the file was incomplete but does not advise the borrower what documents are needed. The file is closed sooner than the 30 days allowed for providing missing documents. The borrower has submitted another complete financial package to caliber and request for caliber to review the financial package the borrower has submitted since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: received letter from Portfolio Recovery Services threatening to file a XXXX on a time barred debt that on itself states the debt is old. I requested a verification letter that the debt is mine which was not received. I was informed that this is unethical as well as illegal

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a police report with police report with some fraudulent account XXXX XXXX XXXX XXXX, was one. ). 

Equifax refused to block this item on my credit report even though the police report said that the account was open without my knowledge. Additionally, I had also filed a XXXX postal office report as the account could have been open via mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Automatic Data Processing, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Information contained in background screenings completed by various companies contain inaccurate and incomplete information. This continues to result in loss of employment or employment opportunities. The inaccuracies include the failure to note a dismissal of a felony and incorrectly identified a non-violent misdemeanor as a felony. Further, there is no disposition and it appears as if the matter is an ongoing criminal matter. Another inaccuracy regarding the dismissed felony, is the charge is misidentified. It makes the applicant appear as the person is a violent  offender, which is not the case. 
The charge involved a domestic dispute with a sibling who was angry. Again, this charge was DISMISSED as a NO BILL over three years ago and the related conviction for a misdemeanor is NON- VIOLENT. I have contacted XXXX County, Florida Clerk of Courts and they verified their information in their system is correct. I have copies of the court documents as proof the errors above are, in fact, errors. The information has been misreported or depicted inaccurately by public records or interpreted incorrectly by background screeners. I have disputed the background report with backgrounds.com before and this corrected the problem with one company. However, this has been an ongoing problem. This leads  me to believe the problem is with the information reported in public records accessed by other background screening sources.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Consumer Loan (Vehicle loan) with BOEING EMPLOYEES CREDIT UNION (AR).
Issue: Problems when you are unable to pay

Complaint: I request to dispute the payment late for XXXX days that has been appearedIn my credit score information. I have some reason why I late to pay. 
The reason is when I got accident my insurance company said thatThey will pay off my car so I delay my payment. 

The XXXX reason are I have already pay for the insurance full coverage withXXXX XXXX but my lenders which is BECU still charged me for full coverages insurance. 
In that time I need to pay XXXX for the insurance. After I talked to themThey said that they will reduce my monthly payment but the monthly paymentStill in the same amount. Then I delay again my payment. 

Thanks for ur attention. I ll wait for ur best resolution and suggestionBecause this case has already ruined my credit score so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why 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 explanation
Consumer complaint received 05-10-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (PA).
Issue: Taking out the loan or lease

Complaint: I have a loan thru XXXX XXXX XXXX which they are processing with Chase Financial. On top of my required monthly loan payment, I am paying additional monies in my monthly payments which I wish to have applied to towards the principal balance as authorized in my loan agreement. Chase is refusing to apply the additional payment to the principal balance. They have advised me that they are applying the additional payment towards any future monthly installment payments but they claim that they hold the extra monies in a " separate '' account for future installment loan application purposes. Chase has refused to process the additional monies towards principal as specified in the loan agreement. Any assistance you can provide would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Medical) with M. G. Credit, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been a patient of the XXXX XXXX in 2016. I have made several payments that have not been reflected in my billing statements. I was recently turned over for collection by XXXX XXXX to M.G. Credit of XXXX, Florida. I have sent two letters with copies of payments but have not received an answer from M.G. Credit as to the status of why my rece3ipt for payment have not been reflected in my billing statements.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has not honored the FHA guidelines. 
They have stolen my funds paid on my account. 
Did not follow the HAMP guidelines. 
Threatened and harrased me during my bankruptcy. 
Changed the amount in Principal to increase XXXX dollars

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 06-06-2017 about Student loan (Private student loan) with NELNET, INC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: XXXX/Nelnet purchased my loan from XXXX recently. Initially they sent 2 letters, one of which  incorrectly stated that they purchased my XXXX loan, which they did not. I set up my account and made my first payment which has been withdrawn from my account. Since then, they have never contacted me, however have called my parents dozens of times insisting that I am delinquent on payments. When I called XXXX to discuss the matter, they confirmed that they had called my parents and that my account was paid up to date. They offered no explanation and refused to discuss it any further. They informed me that my parents should no longer be receiving calls. Since then, the calls have not stopped and my parents have continued receiving calls that still insist I am late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened up a CitiGold checking account back in XX/XX/XXXX using a promotion that would give me XXXX XXXX XXXX miles once Ive made 2 bill payments and {$1000.00} in purchases on my debit card. I completed the requirements and hadnt seen my points post yet. I submitted a secure message around XX/XX/XXXX and the representative confirmed that I completed promotional requirements and that I would receive the I would see the miles post by XX/XX/XXXX.
Unfortunately the miles never posted and citibank reneged on their end of the promotion even though according to the terms that were displayed on opening my account I should have been eligible. I had to pay several months of monthly service fees for a bank account and did not receive the promised promotion.

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 09/20/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other service issues

Complaint: I sent money to my cousin who is in prison, I do not have the reference no. of the first transaction but it was back in XXXX back then I had confirm all the information concerning my relationship with beneficiary. On XXXX XXXX and XXXX of XX/XX/XXXX I sent him money ref no. XXXX & XXXX my cousin was waiting for the funds and he had not received it ref no. XXXX, I contact the customer services which informed a representative informed me that the transaction was under review. She ask mw what was my relationship with beneficiary and then released the funds.after informing that beneficiary was my cousin. Now on XXXX XXXX, XX/XX/XXXX the same thing happen, the whole day pass and my cousin had not received the funds. I called customer services again and the representative informed that the received had to call them. I told him that if had receiver my money transfer and informed in that this was going to someone in prison. He asked me to be placed on hold and the informed that funds were released. I do n't know what money grams employees are doing there is no reason for my transaction to be on hold if they have confirm the information with me. this is a frustrating situation. I will NEVER use money gram again. bad services and made me waste my time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX/XXXX/XXXX I attempted to use an M & T bank branch ATM. I tried to withdraw XXXX $ from my checking acct with a balance of XXXX XXXX The ATM took a long time, deducted the XXXX $ from my acct and never disbursed it. The receipt showed the money dispensed but never did and the monies were deducted from my acct. I have had two phone conversations with m & t bank since and they tell me it will require a lengthy investigation that I can not wait for as I have pressing financial issues and live paycheck to paycheck. Essentially they stole XXXX $ from me.

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 07/16/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Commonwealth Financial Systems, a third party alleged debt collector failed to send my " Mini-Mirandi '' rights before placing this alleged debt on my credit report, in which I asked for validation and informing them about the " Mini-Mirandi '' rights. They did n't respond, so I contacted the XXXX and Commonwealth Financial Systems stated to the XXXX they would immediately remove it by notifying the XXXX credit bureaus ( XXXX, XXXX, & XXXX ), in which they made this statement to the XXXX on XXXX ocassions ( XX/XX/2015 & XX/XX/2015 ) to no avail. 

Then on all XXXX credit bureaus this item is still on there to this day XXXX XXXX, 2015 with a little trickery on blocking out certain numbers, but get this, it 's the same account and even shows it 's pass the 7 year " Statue of Limitations '' for removal from all XXXX bureaus. They are arrogantly breaking the in regards to FDCPA, FCRA, and defamation of character. 

Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i just see a debt on my credit report thru ars from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation