milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXXXXXXx XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (LA).
Issue: Managing, opening, or closing account

Complaint: This company is holding my funds in the amount of {$3100.00} and my account has bwen closed for over 30 days and they still have n't sent my check they say they are waiting for some pending disputes to finalize but nowhere in there terms and agreements does it say they can hold your funds until it is finished. If I do n't receive my check in 7 business days I will file a lawsuit against american express for breach and contract and many other legal laws they have broke in holding customers money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Other financial service (Debt settlement) with GLOBAL CLIENT SOLUTIONS, LLC (CT).
Issue: Fraud or scam

Complaint: we signed up with Global Client Solutions to consolidate our debt with some creditors. They said they would handle all the negotiations and our creditors would be paid. We could never reach anyone on the phone, we were paying XXXX a month for 11 months, I sent them statements and letters from creditors, they said do not answer phone calls from creditors. one day a Sheriff showed up my door gave me a summons to appear for court, being sued by XXXX creditor, I then called a friend who was states attorney and he said it sounds like you 've been scammed, also XXXX was involved with this scam, so I was wondering if there is any recourse in recovering monies I sent to them and was scammed

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: The balance on my XXXX XXXX account is XXXX I believe. This card was used on XXXX to make several purchases using my XXXX account without my consent. The total of which is around 1200.The persons who used the account without my permission/consent were paying me for said charges, however, they have recently moved out and payments stopped.. I attempted to request a settlement offer, however, I was told there is not one available. I've paid off the account minus the fraud charges which the total is a rough estimate as I do not have my full XXXX order history available to me at this time. If Synchrony Bank is willing to adjust account to XXXX or accept a settlement offer for less that what is owed that is considered reasonable with said fraud charges.

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 01/23/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (VA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: My issue is with Coinbase. I have an account with them and have bought thousands of dollars worth of Cryptocurrency. I saw an authorized deduction from my bank account for the amount of {$1000.00}, so I submitted a Helpdesk ticket on XX/XX/XXXX on Coinbase.com per their instructions. After I submitted the ticket, the money magically appeared in my Coinbase Wallet, not sure if they put it back or it was glitch in the system. They proceeded to lock me out of my account and now I ca n't access my account that has thousands of dollars in it. I have tried calling them every week since then and I get the same response, someone is working on it. They wo n't let me transfer my money or take it out, or close out the account. They are basically holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Loaner vehicle customer got a parking ticket in City of XXXX. Under Georgia law, specifically Georgia code O.C.G.A 32-10-64, ( c ) ( 3 ), this parking fine is owed by the driver of the Loaner vehicle, NOT the owner. We have advised the City of XXXX 's agent ( XXXX ) and this collection agency ( Professional Account Management, LLC ) of this law on three separate occasions. However, they continue to pursue this debt against us instead of the customer that actually is responsible for this fine per GA law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 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: Old information reappears or never goes away

Complaint: I contacted XXXX XXXX numerous times and they have stated that the account has been removed from my credit reports in XX/XX/XXXX but for some reason when I check in XX/XX/XXXX it is still showing on my reports. I have included the message from XXXX XXXX for validity. 


A delete request was previously sent to the bureaus when this consumer filed a complaint back in XX/XX/XXXX. An XXXX delete was performed today and should result in the trade line being removed from her credit report. Our agency does not know what she is referring to when she mentions her XXXX XXXX XXXX Check.

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 12/29/2016 about Debt collection (Payday loan) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received an phone call regarding this debt that was 5 years old this account was open with out my acknowledgment this company have been harassing my call many times and some time for an different phone number I told them this account was not step up by me so I 'm not responsible for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: XX/XX/XXXX, XXXX contacted me about being hired to build a download-to-own media site with billing. They seemed organized and capable, so I hired them. We began discussing the project. It took longer than the six weeks anticipated, but as of XX/XX/XXXX, they have been paid in full, having told me that all they had to do was enable the billing and my site would be up and running. Then I was told that there was an issue, but they would resolve it. I 've been strung along since then. For a while they stopped responding to emails, but finally did answer again. They said that my website would be XXXX done by Sunday, XX/XX/XXXX. The date came and went with no contact. Now I 'm trying to get a refund. Can you guys help me or point me in the right direction? Due to the time that has passed, the credit card processor, XXXX, says that they are unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my personal data was breached in the hack. I am currently freezing my credit and performing credit checks to prevent against identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a conventional mortgage until recently. I was serviced by Ocwen Loan Servicing, LLC. I was in the process of selling the property, and there was also a modification in process. The first payment for the modification was due XXXX XXXX 2017 which I paid in a timely manner. The next payment was due XXXX XXXX 2017 which I also paid in a timely manner. When I contacted XXXX, XXXX and XXXX, after selling the property in XXXX 2017, to make sure that Ocwen was no longer reporting the mortgage as having a balance, ( I sold it XXXX XXXX 2017 ), I discovered that Ocwen had reported that two payments in 2017 as being late. This would be impossible. First, as I stated above, the mortgage was in modification status. And, the trial payment for XXXX XXXX 2017, was paid. In addition, I paid XX/XX/XXXX payment, even though I knew I was selling the house in a few days. Thus, there were NO Late payments paid in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I suffered a XXXX 8 yrs ago and requested a XXXX discharge from my student debts. Due to an error in the national student debt database, my request was denied. Representatives at the Dept of Ed and Nelnet have explained the root of the data error, but each one has claimed to lack the authority or ability to correct it. Their inaction has cost me $ XXXX+ so far, and I have 13 years left on my loan. 

The representatives say that, when I consolidated my loans with my husband 's, the lump sum was entered into the national database under his name, and my loans were inaccurately marked as " paid in full '' rather than " transferred '' or " consolidated ''. Somehow, when monthly payments are due, the Accounts Payable Dept at Nelnet is still able to track my liability for the consolidated debt. When I request relief, however, the Debt Discharge Dept contends I have no debt from which to be discharged. 

The representatives have explained that, for purposes of discharge, I need to find a member of their staff who has the authority and ability to override the error in the database and recognize the portion of the debt that originated with me. XXXX Dept of Ed Ombudsmen and several Nelnet representatives all claim to lack the authority or ability to execute corrective measures. 

My husband and I have submitted applications for relief due to disability and hardship, on behalf of each of us as individuals and as a couple, to Nelnet and to the Dept of Ed. We 've participated in XXXX appeals through Dept of Ed Ombudsmen, and even though the US Dept of Civil Rights has a webpage dedicated to this issue, our Complaint was rejected based on " lack of jurisdiction ''. 

Where do we turn next? 

We 've been fortunate through all of this, to be able to continue to raise our children and pay our medical bills ; but we had to sell our home of 15 yrs, and our savings are gone. Miraculously, I have healed so substantially that I was able to go back to work this year. Please help me resolve this issue so, at XXXX yrs old, I can gain financial stability and have a fresh start at my new life.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Medical) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in XXXX XXXX XXXX on vacation when my ex boyfriend XXXX. I was admitted into the hospital there and treated but I 'm on medicaid out of XXXX this should of been all covered. I contacted this collection agency and informed them of this.I 've been medically covered every since XXXX of 2005. I 'm at a loss as to what they want me to do. I have verification from social security that I 've been covered this whole time.please help me. I 'm trying my hardest to bring my credit score up and this is the only thing bad on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't remember getting this card. They keep calling to collect an outstanding debt. They said I purchased something fro {$32.00} that is now up to {$170.00} because of non payment. They ca n't tell me what I purchased because it was passed on to a collection agency. Maybe somebody stole my info. Every time I think I 'm getting some where with debt collectors over the phone it hangs up. I have to pay the minimum amount do to see what was purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (GA).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to make contact or respond to the QWR request sent on  XXXX / XXXX /   2017  - The lender is in violation of RESPA guidelines with not responding to our request and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Mortgage debt) with RentDebt Automated Collections, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my final chance giving you the opportunity to remove this debt off my credit. There is not debt that I owe. You are the company that is reporting this debt on my credit not the original creditor, so therefore it is your responsibility to remove the debt if you can not validate the debt. You have not provided the contract showing that you are representing the company to have jurisdiction to put anything on my credit. I have NOT signed a contract with you what so ever! The company that you are stating that i owe has not reported anything on my credit, and unless you have jurisdiction to do so and can prove that I owe this debt, you cant either. Again, your final warning or you will be sued!

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient is the private loan servicer. I am the cosigner for my son. Originally these ( XXXX loans ) were XXXX XXXX loans. I have been paying on the loans since XXXX. Loan XXXX was disbursed in the amount of {$21000.00}. To date I have paid over {$17000.00} on this loan. The outstanding balance is {$17000.00}. XXXX was disbursed in the amount of {$31000.00}. To date I have paid almost {$20000.00} on this loan. The outstanding balance is {$24000.00}. I submit that the fees and interest on these loans are predatory and unethical. Consequently, I have retained counsel to help me navigate a course of action. Repeatedly Navient has refused to help me over the years with a reasonable payment plan and reduction of interest and fees. Finally in XXXX of XXXX I discontinued my payments to Navient after receiving a bill for XXXX that indicated that my most recent payment of {$130.00} only lowered the balance by {$46.00}. Although I have retained counsel, CFPB needs to be aware of the predatory practices of Navient. I have retained counsel for 6 months and to date, although we have offered a reasonable amount for a monthly payment, Navient has refused to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: US Bank fails to give their customers to opportunity to make their accounts whole in a reasonable timeframe. When the customer does attempt to do so, you are punished and bombarded with fees. Because of my work schedule, I do n't have the luxury of going to branch at a moment 's notice. 

Now this happened after another issue that was a BANK ERROR. I attempted to use my card about a two months ago now, but it was declined. When I called US Bank, they told me they closed the card because I should have a new card by now. I was told they would order one for me and expedite it, but I needed to go to the branch. I used the last bit of time off and went to the branch where I ordered the new card o be rushed to the branch. About a month ago I called because I still only had my temporary ATM card and no new card. I was advised it was ordered and would be at the branch shortly ( you can pull that call ). Almost a week and a half later, it showed up at my house. 

Meanwhile, what US Bank failed to tell us is that we can not make deposits with a temporary card. I understand why, but how am I suppose to make my account whole if an unexpected expense is debited? The answer is " I CA N'T ''. So I was hit with fees because US Bank failed provide me with correct information. If you pull the calls, I was advised that I am essentially powerless in that situation and the bank may return the fees as a courtesy. In this instance they did. 


There was a gas transaction that, to my surprise, was debited out of my account on XX/XX/XXXX. Unfortunately that single transaction forced my account in the red by - {$33.00}. After work on XX/XX/XXXX, I have the receipts from the ATM to show, I deposited cash into my account. Again, all on the same day I was notified by US Bank that I had fees. As I deposited first {$180.00}, my receipt had a much lower available balance. I checked my account and I was hit with THREE FEES totalling over {$100.00}. ARE YOU KIDDING ME? One transaction should not warrant three fees. If I deposit cash into my account the same day it goes negative, there should be no fees to process as I did my due diligence to make it whole within a reasonable time. US BANK does not give its customers this. They do not care what financial situation there customers are in because greed, NOT SERVICE, is their first priority. 

You fail your customers and you failed me. I made my account whole the SAME DAY it went negative and despite my cash deposit being put into the account the SAME DAY, US Bank rather charge fees so they can put extra money in their pocket. I feel like I am being treated unfairly and US BANK, rather then help their customers, slams the door on our faces.

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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I am referencing case   XXXX   from the CFPB. This case was closed and was originally opened due to Chase closing my accounts without notice due to too many requests for credit, despite them approving me for the credit and informing me of my excellent repayment history. Upon further review, Chase reopened my accounts  on   XXXX   XXXX  , 2017. This  was 9 days ago. Upon calling into Chase tonight, I was informed that they had closed all of my accounts again. They have essentially lied to the CFPB and me stating that they would reopen my account so that the case would be closed and then closing my cards right after CFPB closed the case. This is definitely unethical behavior on Chase 's end and also closing my accounts after 9 days later telling me that they would be reopened. Also, in reference to the previous case, Chase 's representative refused to provide any sort of reference number or a specific name that I could reach her by, thus I still have been unable to reach that lady who provided me the initial information. Very sketchy for a " legitimate company ''. I have not done anything wrong and my payment history shows no bankruptcies or delinquent accounts. Additionally, I have perfect payment history carrying no balances between months and always staying under 1 % of my utilization ratio. My closing my account without notice, not only are they hurting my credit as I am   XXXX   years old with one of my oldest accounts with Chase, they are also misleading the case referenced by stating they " reopened '' my accounts, just so that CFPB would close the case.

Company response to consumer: Closed with non-monetary relief