milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE USE MY SOCIAL SECURITY NUMBER AND DOB AND OPEN UP UTILITIES IN MY NAME AT A FAMILY HOME ADDRESS. IN XXXX. AT THE TIME SERVICE WAS OPEN FRAUDULENT USING MY NAME I RESIDED AT A DIFFERENT LOCATION XXXX XXXX XXXX XXXX XXXX. THE NAME USE IS XXXX XXXX A FEMALE WHICH I DO KNOW A XXXX XXXX. I AM XXXX XXXX. ( MALE )  I PROVIDED EQUIFAX WITH A POLICE REPORT DATED XXXX WHERE I FILED WITH XXXX POLICE DEPARTMENT DUE TO SOMEONE OPEN A CREDIT CARD AND PAYDAY LOAN IN MY NAME. ALSO THE LANDLORD OF PROPERTY XXXX XXXX XXXX PROVIDED EQUIFAX WITH DOCUMENTATION STATING I DIDNT MOVE INTO MY NEW RESIDENCE XXXX XXXX XXXX UNTIL AROUND XXXX / THIS IS A FAMILY HOME AND SOMEONE THAT KNEW ME HAD TO OPEN IN MY NAME. EQUIFAX IS STILL REFUSING TO REMOVE. I CONTACT XXXX XXXX ( XXXX XXXX ) AND THEY ADVISED ME TO DISPUTE WITH EQUIFAX FOR REMOVAL. EQUIFAX DID NOT RESEARCH ENOUGH. THE OWNER / LANDLORD PROVIDED MY MOVE IN DATE TO SHOW THIS IS NOT MY DEBT. AND I PROVIDED IT TO EQUIFAX. SOMEONE FRAUDULENT OPEN UP THIS DEBT AND USE MY INFORMATION. I AM A VICTIM OF FRAUD AND SENT PROOF TO EQUIFAX. I NEED HELP WITH THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Savings account) with CITIBANK, N.A. (WA).
Issue: Deposits and withdrawals

Complaint: Citi Bank has denied me access to my checking account where over {$1500.00} is fudned. 

1. Can not bill pay 2. Can not transfer money in or out 3. Can not view charges or transactions or statements. 

Unethical and unprofessional conduct of Citi Bank continues. 

4. Bills will be LATE payment due to lack of access to funds Can not CALL and can not login online. 

Citi Bank is RUTHLESS!! 

DEMAND - APOLOGY and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees

Complaint: After successfully using rebates from merchants for years, I recently had the unfortunate experience of receiving several American Express prepaid reward cards as rebates. 

The company is at least misleading in understating that XXXX monthly service fees will be charged after 5 months from issue. There is no legitimate reason for a monthly fee. All notification of such fees is in minuscule print at page bottom or on the back of the card. It also says funds do not expire immediately after the monthly fee description. Why is that there other than to confuse or mislead consumers? 

I had cards of {$10.00}, {$15.00}, and {$50.00}. After trying to check balances, I learned the first XXXX cards were at {$0.00} and the latter was at {$44.00}. So I ultimately used ( received ) {$44.00} of {$75.00} in rebates because I was misled by the obvious expiration date on the cards ( 5 years from issuance ) and the " hidden '' fees descriptor. 

After checking all the sources I could, it seems these rebates are considered " free '' money and so there is no recourse that I can detect. 

I feel like AmEx mislead me from fully utilizing my rebates. Maybe it is free money for these unscrupulous banks, but not me. 

I do not believe banks should be allowed to deduct service fees on rebate cards. There is no justification for a passive fee. They are not managing the money. 

If they are deducting monthly service fees as if I had an account with them, then I should be notified as the fees are deducted just as if I were a bank customer. That is how they are treating these prepaid reward cards. 

People should be made aware that there are fees associated with rebate reward cards and these unscrupulous banks should be made accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Account # : XXXX Loan # : XXXX This was a private loan that I received to attend to a XXXX college ( XXXX ). The school is now closed and I am requesting that Navient discharge this loan under " closed school discharge '' program.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have written to the original credit who is DICK 's Sporting Good The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but Dick 's, Synchrony Bank or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by 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 01-06-2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (TX).
Issue: Money was not available when promised

Complaint: My daughter requests her rent payment from me each month via Chase 's QuickPay application. We have been using this to transfer her money since XXXX. For the XXXX rent, she requested on XXXX XXXX, however as of today, XXXX XXXX the funds are still not available in her account. I verified that the funds were withdrawn from my non-Chase bank account on XXXX XXXX. I contacted Chase at the XXXX phone number found online. They told me that the transaction was accepted on XXXX XXXX after their cut off of XXXX Therefore the process would not start until the NEXT business day AFTER XXXX XXXX. Using this logic, the representative stated that XXXX XXXX was day XXXX, XXXX XXXX was day XXXX and today ( XXXX XXXX ) is only day XXXX. I was told the process " can take up to 5 business days '' to have the funds available if from a non-Chase bank account. Then I was told that funds " could be '' available either Thursday or Friday ( XXXX XXXX or XXXX XXXX ). I was not pleased with this confusing answer as I have not had this type of " hold '' treatment on the other funds we have transferred. I believe this in an excessive amount of time to withhold funds on a recurring transaction that can been seen each month since XXXX. I think it is also deceptive to arbitrarily apply the holding of funds and not have a definitive timeline of when they will be available. I confirmed that the funds were withdrawn from my non-Chase bank account on XXXX XXXX and asked where they were. The representative stated whey were " in process ''. Once again the timeline is not consistent with my other transactions. Please review this matter with Chase. I want to ensure other college age customers do n't unnecessarily incur late fees ( for rent ) when Chase has chosen not to release funds that are valid and have cleared the sender 's account! I believe the monthly transfer details, Chase emails of the request and acceptance of the transfers, and screen print of my non-Chase bank account withdrawal will suffice to represent this complaint. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Mobiloans, LLC (FL).
Issue: Getting a line of credit

Complaint: I recently joined XXXX XXXX, and reviewed my credit report. I see there is an account from Mobiloans on my credit report. I have never applied for an account from Mobiloans or any other loan because I am a starving XXXX XXXX  and do not have a job. I live on my college campus and can not begin to think who would 've stolen my identity. I called the XXXX number that was on the credit report but was passed around only to be told that the account had been written off. Unbelievable that an account could be opened, never paid and closed without anyone at Mobiloans becoming suspicious. 

I have filed an identity theft report with the Federal Trade Commission. The report number is XXXX. I have also reached out to my campus police to make a police report of this fraud. Apparently, Mobiloans do not verify identity prior to giving out loans.

Company response to consumer: Untimely response
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a public record/judgment that appears on the following credit reporting agencies, XXXX, XXXX, XXXX and Lexis Nexis. The judgment was filed against me by XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00}. This information is fraudulent and the company was found guilty of the illegal business practices. 

I begin making payments, and continued to make several payments to this company because I was led to believe that I was guilty because the courts were involved. I later learned about the injunction and ruling against said company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Reached out and submitted complaint to SW Credit Systems Sent letter ( which Is attached ) requesting back up. 
Rec 'd XXXX XXXX XXXX bills for a service Bill ( which is attached ) is not my phone number XXXX not sure whos number this is. I do not have XXXX XXXX XXXX as a carrier for my service. 
This is clearly a mix up and not my charge. 
The amount is {$830.00} Either send a signed contract with my signature of this cell phone number or remove from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: HSBC Bank USA sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: My primary bank is Chase Bank. On XXXX XXXX 2016 I made a " bill pay '' payment to a credit card that was issued by XXXX Bank. The XXXX Bank account had been closed for some time, as the payment was accidentally made to an older account still in my online bill pay records but not purged by me yet. Under normal circumstances the payment would " bounce '' and after a few days or a week, would be credited back to my account since the destination account was invalid. 

This has not happened. I have not received the funds back into my account. After many phone calls to both XXXX Bank and Chase Bank I am unable to get either bank to investigate this issue beyond giving me canned responses that it is n't their problem. XXXX Bank claims that the payment would have been automatically rejected. Chase bank provides me proof that the payment was made and not returned. I have implored them to actually INVESTIGATE the situation because obviously an error has occurred in the system. Neither bank will do so, placing the blame on the other bank. 

I just want my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on XXXX for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus XXXX XXXX {$20000.00} XXXX - Transunion XXXX {$20000.00} XXXX XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX XXXX XXXX XXXX XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX XXXX XXXX XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim

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 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with ENCORE CAPITAL GROUP INC. (MS).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I received a letter and on XXXX XXXX I guess the XXXX XXXX left it on my door.I do n't have a job to make payments or do payment arrangements to send on this Credit Card and it s a old bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I wired {$3000.00} on XXXX XXXX to XXXX their website promises to reflect that money within 1 business day. I waited several days ( until XXXX XXXX ) to open a support ticket to find out why the money has not yet been deposited. Today the XXXX i still have no answer, i tried contacting Coinbase.com via phone, email support and XXXX and am not able to get ahold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Auto debt) with CAVALRY INVESTMENTS, LLC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed the inaccuracies of these debt from    XX/XX/XXXX   to the  present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from   XX/XX/XXXX  and t he original debt was disputed with  XXXX   XXXX  as well as the previous collection agency and removed off my credit report. The apparently resold the deb t to Calvary Portfolios LLC wh o re-aged the debt to look as if I recently purchsed the vehic le On  XX/XX/XXXX  whic h is inaccurate and falsified.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector ERC claiming to collect a debt that we DO NOT owe. Will not provide any other information other than to say the debt is from XXXX and that the amount owed is {$66.00}. Will not provide any proof. Continues to call ... We are still customers of XXXX and have n't received any information from them. XXXX is trying get us back as a customer. Why would they want us back if we still owe them money? The Email address they used to contact us is over 10 years old. I think they are fake and we paid a XXXX $ debt to a collection agency 2 years ago, we may have been scammed then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for bankruptcy in 2008 but it was denied, so essentially my financial status was never bankrupt. 

Please remove this from my credit history. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: USAA has engaged in predatory and harassing behaviorism an attempt to force me to pay impossible payments, beyond my income capability. They call and harrass me four or more times a day, and will not work with my limited income - even though I have requested this since XXXX. They have changed my required payment up and added fees making it impossible to get out from under this debt despite paying {$100.00} a month from my low income. They also allowed a bogus charge against my account through a fraudulent XXXX account to pay for a boosted post on XXXX back in XXXX. A third party charged my account without my authiruzatiin, or permission. I would like damages and Attorneys fees to be paid by USAA credit card, for predatoey behavior leading me to suffer from intentional infliction of mental anguish. And possiblt adverse credit reporting. USAA has refused to work with me in resolving this issue ( letter on file ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Accounts on TransUnion previously deleted now reinserted without receiving a 5 day notice.

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 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 8 years ago I rented a house in XXXX as I married a woman from the XXXX and waiting for her to come here with her XXXX kids. So for entertainment, I signed up with XXXX XXXX. I signed a form for items that I wanted with XXXX, They did not fulfill the contact and would not. So after a week, I told them I no longer want XXXX and had them come out an uninstall XXXX. I paid for the whole month, though I only had it for one week. 
After about 8-10 months, they started sending me bills and calling me. I told them several times that the contract was cancelled and they got paid for XXXX extra weeks that I did not use XXXX. This went on for three years. 

5 years ago, I got a call from my bank and asked me if I had authorized XXXX to take {$750.00} from my account. I told them know, that I knew nothing about it. I filled out some forms from the bank, had to cancel my debit/credit cards and get new cards. The bank got my money back from them. I just ca n't believe they can go into anyone 's bank account and steal money. It is amazing that the XXXX government allows them to do this. Very dangerous as many people have let them draw money to pay their bills. 
So now my money goes to a collect agency XXXX and they start harassing me. It also goes on my credit report. 
We live in a small town in XXXX and want to move XXXX miles XXXX of where we live now into a bigger town. It took us a month to get a house because as soon as a house hits XXXX, they are gone within a day or XXXX. We found XXXX, XXXX day after it went on the market. But because of XXXX we were told we had to pay them before we could get the house. Even though I do n't owe them money, I went ahead and paid it. Even though I paid it by credit card, that does not assure us of getting the house. They said it would take XXXX days for the card to go through. Then XXXX will send me an email that it was paid. The property management people said that they will consider it once they get the confirmation letter faxed to them that it was paid. So because of Money I do not owe, because of XXXX and XXXX We may have lost a house that we so need and want. Plus it will stay on my credit report for a year after I paythe money. How can this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: On XXXX/XXXX/16, I went to the dentist for a cleaning. It went from XXXX dollars to XXXX XXXX dollars for deep cleaning. I tried to use my care credit account and it was declined. I called Syncrony Bank c/o G.E Capital to find out why. I was transferred to bankruptcy dept. This should not be a bankruptcy account when I paid every month til paid off. From bankruptcy dept, I was transferred to collections, XXXX XXXX who has no money owing. I called again XXXX/XXXX/16 with same issue. Transfer here to there with no answers.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loans from XXXX/navient gave me interest rates I would never be able to pay back unless I got an incredibly well paying job while also paying for other loans and living expenses. On several occasions they have conviently lost my payment information and wait to inform me a month later on collection instead of informing me before incurring monsterour late fees. 
They 've also made me do forebearance already so now I am stuck if I can not make payments in the future for other reasons. When I did file for income based repayments they never sent me documentation so I know the terms and how long I have for the income based program.

Company response to consumer: Closed with explanation