milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was a loan taken in my name from a company called XXXX which I had no knowledge of or received money from. A company called Cach LLC bought the loan from them and originally called me in XX/XX/XXXX through Fresh View Solutions, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from XXXX or CACH LLC. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX XXXX XXXX who attempts to collect money on behalf of CACH LLC, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what XXXX requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from XXXX or CACH LLC. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.

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 11-10-2017 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: Fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  Have police 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 non-monetary relief
Consumer complaint received 07-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: Earlier this year I opened a Citigold checking account using an offer which would give me XXXX XXXX XXXX AAdvantage miles after satisfying a specific set of requirements. On XXXX XXXX, 2016 a Citi customer service employee verified for me, via online chat, that the promotional offer was applied to my account ( I have a downloaded chat log verifying this ). On XXXX XXXX and XXXX XXXX, 2016 I received verification from a Citi customer service employee that I had met all the requirements of the promotional offer and would be receiving the XXXX XXXX XXXX AAdvantage miles within 90 days. 

Upon following up on receiving my miles I was then informed by Citi that I was not eligible for the promotion. I reminded Citi on several occasions via secure message within my online account that I had chat logs and screenshots verifying that they had confirmed with me months prior that my account was eligible for the promotion, and that I would be receiving my miles. 

To do day Citi continues to deny fulfilling their end of the promotion despite all of the evidence I have and confirmation from their own employees in XX/XX/XXXX and XX/XX/XXXX that I was both eligible and would be receiving the miles. 

I am a consumer who has multiple accounts with Citi. I have been a good customer of theirs and have never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other recourse. 

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 non-monetary relief
Consumer complaint received 08/13/2017 about Debt collection (Other debt) with ResidentCollect, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am applying for a mortgage and Resident Collect of XX/XX/XXXX, Texas put an item on my credit report that says I owe {$7000.00}. I had disputed this debt years ago, and requested the company give me a breakdown of the alleged debt and they failed to do so at the time.
Now, the piece is still on my credit report and I attempted to contact Resident Collect to get a letter clearing me of the debt. When they did not respond to me, I hired an attorney to discuss it with them and they emailed the case was closed to him. However, they did not provide him a letter, and later the same employed tried to email me directly and said I needed to pay {$3600.00} to solve the issue.
My lawyer, the credit company my mortgage company uses and I have all tried to get this letter and this issue close, but Resident Collect is unresponsive and uncooperative.
I need a letter clearing me of this debt, as the company that originally claimed the debt has dissolved and the statute of limitations for collections has expired in my home state, the state the defunct company is in and the state of the collection agency.
The mortgage company will not issue it until I get this cleared up, and we have tried to clear this matter for 4 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I had several mortgages with Bank of America before recession on my primary and investment properties. When the recession happened they started selling some mortgages to other companies. Things were ugly. I was not able to survive and felt behind. My properties were sold XXXX after the other. XXXX of my properties was sold in XX/XX/2015 by Bank of America which they have filed deficiency and reported to IRS. Not only I lost my house but also being reported that I ended in having {$12000.00} payment to IRS that I have hard time paying. On my only roof left on my head, that I only have a line of credit, they never worked out with me to lower my principal. I here all the time that they are forgiving many secondary loans. I am desperate. I am a single mom of XXXX adopted children that are in Medical school. I am lost everything that I had and I will be unable to support my kids schooling. I desperately need help. Thanks.

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 07-08-2015 about Debt collection (Payday loan) with Premier Recovery Group (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Was mixing up the date the. Loan was take. OutHung up on me many timesRefused to sent me a written notification of collection or bill until I gave personal banking info for payment. Debit was over 5 years old. Never on my credit he said it went to XXXX different collection accounts

Company response to consumer: Closed
Consumer complaint received 05/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OR).
Issue: Billing disputes

Complaint: American Express refuses to to listen to us about payment they say we owe the. 
We keep getting statements adding in interest, and it just keep getting higher. 
We owe them nothing, and we have the canceled bank checks to prove it. 
They will not give us a fax number to send them in so they can see for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have asked for debt validation in the form of a signed contract on numerous occasions. They have failed to provide such contract, and prove that I owe them a debt, in the amount of {$1300.00}. I have notified them that all income that I receive is exempt from creditors and that they must cease to make attempts to collect an unvalidated debt. 

According to Sec. 207. [ 42 U.S.C. 407 ] ( a ) The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 

With this company continuing to pursue this debt, it has created a added stress on my survival on a fixed income, and my ability to provide for myself. All of my income is protected and there is no benefit to continue harassment and reporting of this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: When I was purchasing a vehicle in XXXX XXXX and XXXX XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I transferred XXXX on the XXXX XXXX 2017 to coinbase and the money is still not showing in their account. 
I made a SEPA international bank transfer, I 've spoke to my bank XXXX XXXX and they confirmed my payment reached their account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Without explanation, notice, or legal authority, XXXX XXXX is now refusing to process electronic payments. This is an illegal and transparent attempt to unlawfully accrue additional interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Consumer Loan (Personal line of credit) with Monterey Financial Services LLC (TX).
Issue: Account terms and changes

Complaint: I have an inquiry on my credit that is not mine. I never applied for credit with this company and no proof through my investigations has been provided. Company fails to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Payoff process

Complaint: Opened an account with company, set up automatic payments, payments were never taken causing late fees and over credit but never received any notice this was happening month after month now with fee 's the amount owed is over {$200.00} then original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NC).
Issue: Managing the loan or lease

Complaint: In XXXX, I purchased a 2012 Honda Odessey minivan and financed the purchase through Honda Financial Services. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. Honda Financial Services did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called HFS to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to HFS to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and HFS ' discretion to remove these from a consumer 's credit report, yet in this case HFS was completely unwilling to assist. I am about to apply for credit to purchase a home, and HFS ' report has reduced my credit score to where my interest rate will be higher than it would have been without HFS ' report. I have made every HFS payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet HFS is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by Honda Financial Services before it costs me thousands more in interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls between times specified that no calls are to be made. " No Call Time '' : M-F XXXX -XXXX as it was explained to Convergent collections. I have received repeated calls since notification. All calls are recorded on Convergent side. I will be mailing written notification today to them. This act is seen as harassment under the FAIR DEBT COLLECTION PRACTICES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am a victim of true name identity theft and I periodically check my credit bureau reports for activity and to dispute items on my reports. I have had issues with Transunion in obtaining my credit reports and each time I try to access my reports online, I get an error stating that " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. '' Its the same information that I have provided time after time and I continue to get the same error and when I call the number they want me to send this laundry list of items to get my report. 

Additionally, when I am able to get my report, Transunion does not complete a full investigation and continuously labels my disputes as verified and when i contact the information providers they state that they never received any dispute information. In one situation, I disputed an old bankruptcy and it came back verified and would not be removed yet when I contacted the clerk of the court, they had no record of anyone contacting their office from any credit reporting agency. My social security information on my petition was redacted and when I brought this to the clerk of the courts attention, I was told that they do not give information to any third party including personal information. I believe they are obtaining information unlawfully as well.

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 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OR).
Issue: Wrong amount charged or received

Complaint: on XXXX XXXX ( Friday ) at approx XXXX pacific time I sent a transfer of XXXX Ethereum from Coinbase to their Exchange platform XXXX. These transfers are supposed to be instant and free, they are advertised as such, and have always been for me in the past. 

On this occasion the XXXX ... ETH never appeared in my XXXX account and appears to be floating around in cyberspace somewhere. 

I have opened a case with XXXX via email Immediately and havent heard back, my case number is # XXXX. After opening the case via email I sent a written letter to Coinbase in XXXX XXXX, I then called and waited on hold for 2hrs before being disconnected. I waited on hold the next day and was again disconnected after 2hrs. On the 3rd day I got through to a representative of Coinbase after 1hr45min. 

Talking to customer support he assured me the issue would be resolved in my favor, I received an email right after the call saying the problem would be sent to the appropriate department. This phone call was a week ago and havent heard anything since about my missing Ethereum.

When I sent the Ethereum its value was approximately {$2200.00}, the approximate value of the Ethereum is now {$3600.00}.

Please help me get my Ethereum back. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed since XXXX and equifax and companies are bouncing me around. My information was used to fraudently apply for an XXXX XXXX XXXX account and also a XXXX account. There are XXXX inquiries on my credit report and Equifax, XXXX XXXX XXXX and XXXX has refused to remove these HARD inquiries which are affecting my credit score. I faxed documentation to support the incorrect information, but neither companies are complying and I am exhausted with dealing with them and hope to get assistance to remove this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am filing this complaint because I believe that I am a victim of the practices outlined and admitted to by Chase Bank USA NA in the settlement of XX/XX/XXXX. OnXX/XX/XXXX Chase Bank USA NA assigned a judgment it obtained against me to XXXX XXXX. Chase sold this Judgement in a large bundle for 1.02 ( one and two one hundredths ) ( % ) percent of the Judgment Balance of the Accounts which are the basis for the Judgments then being sold. ( It should be noted the XXXX did not file its corporation papers with the state of Florida until XX/XX/XXXX. ) XXXX in turn assigned this judgment and many others to XXXX XXXX XXXX on XX/XX/XXXX. As a consumer with limited understanding of the law I was unaware that Chase had assigned its Judgement toXX/XX/XXXX or that XXXX had then assigned the Judgement to XXXX XXXX XXXX. On XX/XX/XXXX unbeknownst to me XXXX XXXX XXXX started new collection efforts under Chase Bank USA NAs original court case. I believe the assignments being used to pursue collection efforts are fraudulent and believe that the settlement Chase Bank USA NA agreed to was designed to protect and prohibit consumers from further damage stemming from there admitted illegal collection practices. On XX/XX/XXXX Chase Bank NA USA executed a garnishment on my bank account. Unfortunately XXXX XXXX XXXX has now received a garnishment on my bank account leaving me with very limited means to receive legal assistance. My questions to the CFPB is why is Chase and the companies it sold these accounts to still able to proceed with collection efforts?

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I notified the company that the information in the report the provided to a prospective landlord was inaccurate and they sent me a link to this web site

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: Advertising and marketing

Complaint: Mailings packet from American Express Gold Card does not provide any information about the rate of interest that will charged in the entire content included in the solicitation to apply for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i have submitted loan modification request with full package last XXXX 2014 and have been waiting for the result but the lender did not give me any result regarding approval or denial of the modification. I recently applied again for update status of my application and situation. The lender has sent me the notice of sale and they want to foreclose my house over the options of modification to keep my house. They told me they will not postpone the sale date to me and wish to move on with foreclosure even though they request additional documents and had submitted for review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Late fee

Complaint: On XXXX XXXX, 2016 I realized I had not made my XX/XX/XXXX payment on my account. I called customer service and explained to them that my Mother had transitioned on XXXX XXXX, 2016 and I was so involved with making plans for her services on XXXX XXXX, 2016 and away from home so I had not paid my creditors. I was told that the late fees would be waived this time when they received the payment. I made my regular monthly payment on that day but noticed on XXXX XXXX, 2016 the late fees had not been removed. I called again and was told it would be reversed in 24-48 hours. 
On XXXX XXXX, 2016 I called because there was an {$8.00} past due balance on my account. I was told on numerous occasions that it was a past due fee and not a late fee which had to be paid. 
I wrote a letter to headquarters and asked that they respond by XXXX XXXX, 2016. To date they have not contacted me. 
My problem is I do n't see any difference between a late fee and a past due fee. Also, my agreement does not mention anything about such a fee. I am wondering how many other people they are charging this fee and how much they are charging since there is no written policy in the agreement. Is this legal and can you assist me in getting this fee removed from my account? I have not paid the fee due to I do n't think it is legal.

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