milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am attempting to resolve the balance of {$3600.00} reflected in a " charge-off '' status on my credit report for the account # XXXX, previously mortgage loan # XXXX held by Bank of America. 
I believed the balance of all amounts due to Bank of America for both Loan # XXXX and Loan # XXXX were satisfied by the foreclosure and subsequent sale of the property on XX/XX/XXXX. I have contacted Bank of America XX/XX/XXXX and XX/XX/XXXX in an attempt to understand how this balance was generated and why it is being reflected as a charge-off on my credit report. Bank of America representatives have been unable to verify how or why this balance is due. I have also been in contact with XXXX. A dispute has been communicated to Bank of America at least twice. 
I am requesting that Bank of America, provide documentation which I can reconcile with my own accounting records and reflects that the amount of {$3600.00} is rightfully due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with Encircle Collections, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I'd like to receive written verification that I have a debt that was obtained directly with Enircle Collections per section 609 of the FCRA. To date, the company has not provided me with any agreement that I've made with them directly. Where is the validation of debt paper work that I have with Encircle Collections?

Company response to consumer: Untimely response
Consumer complaint received 03-12-2016 about Credit reporting () with On-Site Manager, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They have reported some wrongs things on credit report and refuse to remove them. they have also have denied me on a rental applications based on this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: While I was disputing an over charges by  XXXX   XXXX   XXXX   XXXX  for charges of DATA used by a Tablet given to me in an offered by  XXXX   XXXX   XXXX   XXXX  when I connected  XXXX   XXXX  services in my apartment,  XXXX   XXXX   XXXX  cancelled my  XXXX   XXXX  services.    XXXX   XXXX  is charging {$490.00} for breached of contract. I do not feel that I breached  XXXX   XXXX  's contract when they where the ones who terminated me.   I.C . Systems Inc. hav e reported me to  XXXX  and  XXXX  that I know. I do not know how many more.   They reported me for a debt of {$490.00}, wait a couple of months, withdraw it. Then wait a couple of months and report me again. Can they do this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with PAYPAL HOLDINGS INC. (CT).
Issue: Unsolicited issuance of credit card

Complaint: PayPal. I purchased a music CD and paid with PayPal, which I have a cash balance with. Somehow I got enrolled in PayPal credit which I did not want. I got a notice that my purchase was due with penalties. I tried to email PayPal that I never wanted their credit and to just pay for the purchase with my balance. I got a letter/bill last week. I called their customer service and said that I was very unhappy about this, I would ( and did XXXX pay the purchase plus the {$7.00} fee via check and specifically told them to close the account ( credit ). It was n't until I read the XXXX XXXX XXXX article about the lawsuit that I realized what had happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Purchase made XXXX XXXX 2017. 
Terms of the purchase were not fulfilled by the merchant [ name redacted ]. I contacted the merchant and asked for an invoice -- he never sent one -- or proof that he had fulfilled some part of the terms of purchase. He did not do so.
The purchase I made was not delivered, so I am requesting charges be reversed. I sent a letter from another similar merchant ( attached, ) stating that this merchant 's behavior was not standard, not ethical and that charges should be reversed. Chase had requested this letter from me.
Only response from Chase was " we called the merchant. We 're not reversing charges. '' Did not justify this position. Did not address anything in the letter I sent from the other merchant. Did not say why they believed the merchant [ name redacted ] was justified in the charges or what they discussed with merchant [ name redacted ] that contradicted my letter from other merchant.
The letter from Chase informing me of their non-action was sent by XXXX XXXX XXXX. 
I also have a Chase bank account and Chase private client member and this customer service is unacceptable and substandard.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On  XX/XX/XXXX , I purchases a   XXXX   XXXX   XXXX   through  XXXX , the lender was Ally Financial.  Within three years, the car began stalling while driving. I complained to the dealer many times and they could not find out what was wrong with the car. I returned the car to the dealer in  XX/XX/XXXX  because it was unsafe. I then purchased another vehicle at a high interest rate due to the return of the   XXXX   XXXX  . The   XXXX   XXXX   was sold and the balance is now on my credit report. Due to the lender's failure to comply with Florida law, they are unable to seek a deficiency against me. They are damaging my credit report, credit score and I am unable to purchase a home. They need to remove the negative report from my credit report because they didn't follow Florida law. I notified them of this issue via certified mail and still have not received a response. Attached is the letter that was sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated X/17/2017, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.

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 11-06-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I received an email today XX/XX/XXXX from a XXXX XXXX saying I was due in court on Friday to pay a bill or else the judge would decide for me. It said to fill in my zip code in a box on the email and it would give me the court to go to. It gave me a list of Federal courts. I emailed him back and asked him what it was about. XXXX, this payday loan place, said I owed them XXXX dollars. 

I have never had a payday loan. I wrote back by email and said he should check his accounts. I said I would contact an attorney. Well, it is election day tomorrow and my attorney is out campaigning. 

This is an awful thing to do to a XXXX year old lady. I have never even gotten a notice about the loan. How can anyone take anyone to court or threaten taking anyone to court without telling them well enough in advance? I thought you had to have a supoena.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: OnXX/XX/XXXX Delivery Certified Mail Tracking # XXXX was signed by a Kohl 's representative and as of today XX/XX/XXXX ( 31 days ) they have failed to mark my credit report as being disputed which is a validation of federal and state laws AND they also failed to send me any information regarding this matter. See attached for proof of certified letter as well as my credit report pulled on day 31.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Citimortgage and I were working on a loan modification to lower my payments. After sending in everything they requested they kept calling me every XXXX months telling me they needed me to send it in again. After almost XXXX years I told them they have what they need to make a decision and I would not be sending anything else. If they wanted the house I would do a deed in lieu. They told me they did n't want the house and they sold the loan to a collection agency. I had to file bankruptcy and we ran my credit report and found out that Cotimortgage was running a credit check on me approx. every XXXX months lowering my credit score without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have Public records listed on my credit reports that are inaccurate and incomplete such as a Bankruptcy, that the XXXX major credit reporting agencies Transunion, XXXX and XXXX are reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion, XXXX and XXXX numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE these Bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from the Federal Bankruptcy Courts stating that they DO NOT report to the consumer reporting agencies, but yet the consumer reporting agencies are saying that they have verified it through Federal Bankruptcy Courts and I know they do n't because the information they are reporting is inaccurate and incomplete.

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 08-01-2017 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: Old information reappears or never goes away

Complaint: I settled a XXXX account with XXXX XXXX XXXX for the balance of {$85.00}. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with U.S. BANCORP (ME).
Issue: Payoff process

Complaint: I was very upset to find out that when my promotion ended and my remaining balance went to my contract rate, the additional payment that I made shortly after my statement closed all went to the lowest rate on my account at that time. The rep at Elan Card Services explained that it was due to me still being at a 0 % when the payment was made. The payment was indeed applied that way, however, the XXXX was not still in effect when I made the payment and I was charged for a full 30 days of interest on the part of my balance at the highest rate. They are forcing their customers to pay at least 1 full statement cycle of interest regardless of the amount paid during that cycle. They did take care of my account but, I do n't want them to get away with this with other customers that are not in the financial world and therefore do n't have full understanding of the payment allocation laws put into place with the CARD Act.

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 11-12-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (GA).
Issue: Credit decision / Underwriting

Complaint: I want to complain about Quicken Loans who holds my second mortgage. I was trying to refinance my first mortgage under the XXXX program to lower my monthly mortgage payment. 
Quicken refused to subordinate their loan although I have 75 % loan to value on the first and a combined loan of 95 %. I ca n't imagine why they are doing this. I declared bankruptcy about 6 years ago and could have included the second. I wanted to do the right thing and have continued to send my payment XXXX which became Quicken, over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit determination

Complaint: I applied for a credit card from Capital One Bank ( USA ) , N.A . and was refused. The XXXX ( XXXX ) reasons they gave to refuse issuing the card were that : 1 ) " based on my credit report from XXXX, too few or no revolving accounts have a balance. '' My letter to them informed them why that is so - " I pay my credit card bills every month in full -- generally on the day the bill arrives in the mail. '' 2 ) " based on your credit report from XXXX, there are too many new revolving accounts. '' My letter to them informed them that " I have no new revolving accounts. The last account I opened was probably at least eight ( 8 ) or nine ( 9 ) months ago. And, in fact I have only XXXX ( XXXX ) revolving accounts that are in active use. '' 3 ) " Based on your application information, income is insufficient for requested credit. '' My letter to them informed them that " my income -- approximately XXXX per year ( I am retired ), plus having over {>= $1,000,000} cash in savings accounts -- is more than sufficient for the requested credit card. Note, too, that my credit score -- XXXX out of XXXX -- is probably higher than the majority of applicants who request, and are granted, a card from your bank. '' In short, it appears that Capital One Bank ( USA ) , N.A . is refusing to issue me a card because I pay my balance in full every month. That 's no reason to refuse to issue a card and should not be allowed. 

My credit rating is about as good as you can get, and always has been. I do n't need a Capital One Bank credit card -- in fact, I recently received in the mail an unsolicited offer from XXXX XXXX to apply for their card which I did, and was approved for immediately without issue. However, I am stunned and angry that Capital One would continue to deny me a credit card after I pointed out to them that their reasons were totally incorrect. 

That card offers several unique benefits and I want that card issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Dear Sir/Madam I transferred XXXX to Coinbase a cryptocurrency platform. On XXXX-2017 from my XXXX bank account XXXX. The transfer payment ID is XXXX. I have transferred the payment using SEPA. 

I emailed coinbase several times but their reply is very generic saying that we have escalated your case and afterward no response. According to the company, my transferred payment should show in my coinbase account in 10 business days but almost a month has been passed now. 

I am in dire need of my funds. Currently, I am a student in the XXXX at the moment and is suffering from XXXX conditions. I need to pay my hospital bills as I am an XXXX XXXX I dont have access to free healthcare. 

I have written to coinbase several times but no avail. I want to cancel my transfer order and want my money back in my bank account to pay the bills. I have also written to coinbase CEO XXXX. My case was escalated two weeks ago and still no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When applying for a loan in XXXX of this year, I learned that TransUnion ( but not XXXX or XXXX ) had another person 's name, addresses, phone numbers, employment, and accounts listed under my file number with them and my social security number, as well as most of my own information. I wrote to them, but was unsuccessful in getting them to correct all of the incorrect information in my file until after XXXX more attempts through the XXXX. They have finally removed all of the incorrect accounts, but now list XXXX of my legitimate accounts as having been disputed, which it was not. I have spoken with that credit card company and assured them I had no dispute regarding my account with them and explained the nature of the dispute that I did file. I also had to deal with XXXX of my accounts being closed because it had an account number change and was erroneously included with the other person 's accounts with that company. 

This was not the first time that TransUnion had mixed my account up with this same person. It had previously occurred in 2006. I am extremely disturbed that because of the nature of this business I have no option of not doing business with them and they will be allowed to continue reporting my credit. I have no confidence that they are capable of correctly reporting the information they handle after the experiences I have had with them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XXXX of XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XXXX. The last payment activity on this account occurred in XXXX and has been reported in our credit file for 7 years. Per the Fair Credit Reporting Act ( FCRA ) negative information must be deleted from our credit report after 7 years. Please remove this account from our credit file and stop reporting the information as it is past the 7 year reporting period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/14/2015 about Credit card () with Stenger & Stenger, P.C (GA).
Issue: Delinquent account

Complaint: 15 years ago I opened a low line of credit credit card with XXXX XXXX. Due to unemployment and medical bills from a very sick baby this card ended up in default. It has been over 10 years and now Stenger and Stenger are threatening garnishment for a debt that was written off. The have been renlentless with a debt that is past the SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: Capital One Bank close my money market account on XXXX/XXXX/XXXX, I advised them that I was dealing with fraud back in XXXX XXXX. I was advised not to open any more accounts until the fraud matter was resolved. No one sent me anything showing how many times I withdrew my account. I paid bills out of this account because I do not have a choice, I wish they would give me two weeks to make arrangments because my school tuition of {$110.00} was sent back and now the school will charge me a later fee of {$25.00} because it was due by the XXXX to avoid the fee. I had this account for over 10 years and now the account is closed. I do not have access to my money now because the account is closed and I have to wait on my check. The amount was {$180.00} minus the {$110.00} would have left me {$78.00} now I am being a {$25.00} fee because the account is closed, that fee should be waived because Capitol One chose to close my account. I opened a Capitol One 360 but I am unable to put any money in it right now, I was told it was due to Regulation D but it I also talked with an attorney and he advised that Capitol One could have given me more time before closing the account. Now my direct deposit is delayed and other bills will be late getting paid. I want my account reopened due to the way Capitol One conducted business with me. Capitol One should have did a better job of explaining it, I opened this account over 10 years ago and did not have issues until XXXX, the statement only times you what you withdrew but they do not say that you went over or anything.

Company response to consumer: Closed with explanation