milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I have a car loan through Santander Consumer USA, I have had several deferments on my loan to get caught up. I also had my car repossessed without notice. I was advised in order to get my car back I would need to at least pay my car note payments current. Which I did. Since then have made my payments on time, however my interest amount and balance have only seemed to go up. I then called today XX/XX/XXXX to find out why if I just made a payment yesterday did my balance not go down nor my interest. I was advised I made a partial payment XX/XX/XXXX which has carried over. I first spoke with agent XXXX, then to Supervisor XXXX who informed me of this. I asked XXXX if my car was taken and I paid my car notes current, as well as had several deferments since XX/XX/XXXX do I have a carry over balance. XXXX first explained deferments only carry over the exact payment and nothing more. I advised him I was not informed of this in writing nor by the agent at the time of agreeing to the deferment. He then advised when I was told to pay my car note current to get my vehicle back that I was given a lesser amount. I again explained to him I was not aware of that and only paid what I was told, pay all car payments current. He said that is how it works and he can do nothing about that. I was also charged fees XX/XX/XXXX and no one can explain why. I have had this car since XX/XX/XXXX and my balance has only went up and not once has it went down. When I first spoke with XXXX I asked her why would my entire payment go to interest which she advised, she stated that from XX/XX/XXXX - XX/XX/XXXX I accrued {$530.00} in interest and she did n't know what the interest balance was prior to me making my payment. She told me to calculate myself each month on what I would be paying in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have constantly disputed items on my report as not mine and they constantly say they are, I 've submitted multiple documents, now on the latest dispute they placed a fraud alert that I did not request and mailed me XXXX letters from equifax, XXXX for me at the correct name and another in a similar name but different middle initial, they are merging my credit with someone else 's and refuse to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: received a letter from synchrony bank regarding a XXXX visa card account, dated XX/XX/XXXX notifying me about a recent address change on the account that was opened by me. I called customer service department about account. they wanted info about me and I was not comfortable giving personal information to them.as I did not open a account online as they stated. And I want it closed as of XX/XX/XXXX.

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 05/19/2015 about Payday loan () with Mobiloans, LLC (PA).
Issue: Charged fees or interest I didn't expect

Complaint: I had a payday loan with Mobil Loans for a few years. Recently was informed by them that they no longer could make loans in Pennsylvania. So, I paid off my loan with them but they are still charging me fees. My last balance was {$61.00} which I paid on XXXX. Now they are charging me {$8.00} in fees for a loan that is paid in full. Recently I checked on line and they have added another {$8.00} in fees stating that I now owe {$17.00} for a loan that has been paid in full.

Company response to consumer: Untimely response
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I went to the website of www.equifaxsecurity2017.com because of the recent identity theft that Equifax reported on over 100,000,000 consumer files. I found out that my file probably had been compromised. I followed the instructions and was told I would received an email in several days. This was onXX/XX/XXXX. I checked my email again every day including Spam etc., but no email! I re-enrolled again on XX/XX/XXXX and received an email 0n XX/XX/XXXX from XXXX, not Equifax. I remembered that was the Equifax Product that was being offered for free. Had I not known of that I would have deleted thinking it was Spam like so many other people would. I think this is a way that Equifax is trying to get out of offering this for free! Also, When I followed the instructions on line from XXXX it told me to call a XXXX number and ended up in the XXXX and talked someone that has my personal information and had broken XXXX. I think that Equifax makes it difficult for consumers to obtain their products for free when they are the ones that are responsible for the Identity breach. I also know 2 other consumers that never received the email or thought it was spam!

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to investigate numerous fraudulent inquiries in my credit file that were not initiated by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Please consider this a tri-fold final written request for validation and formal request under the Fair Credit Billing Act for a full accounting of all records for any and all accounts types regardless of within the your companies possession that are connected to the above referenced account numbers or, anything related to XXXX XXXX Additionally, I am requesting deletion of the trade line from my XXXX credit report if you are are unable to produce records per FCRA 623. within 20 days of receipt of this letter. This is my final request for you to respond with proper validation. Please cease and desist all collection activity and reporting on my credit reports. 

SEE ATTACHED LETTER SENT CERTIFIED MAIL. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Showing a debt in collection the debt was incorrect and never occurred The problem was corrected by the claimant over two years ago but Equifax continues to show this

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( Ocwen Loan Servicing ) claims to be reporting my mortgage payments to XXXX XXXX, but XXXX XXXX states they have no record of my account. I have disputed this with XXXX XXXX and have been informed that there is nothing they can do because Ocwen is not reporting my account information to them. Ocwen has sent me a letter stating they are reporting me to XXXX credit bureas, including XXXX XXXX, although XXXX XXXX states they have no record of my account number. I have forwarded this letter to XXXX XXXX and they still insist there is nothing they can do because Ocwen is not reporting me regardless of what Ocwen 's letter states. My wife and I have spent hours going back and forth between Ocwen and XXXX XXXX and are getting nowhere. As a result, our XXXX XXXX report shows no record of mortgage payments causing us a great deal of difficulty with our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (CA).
Issue: Problem adding money

Complaint: This complaint is a concern with using my Google Wallet in concert with a prepaid XXXX debit card. I have a XXXX debit card that is registered to my name and address. I want to pay a friend of mine {$50.00} from this debit card. However, when I try to add this card to Google Wallet to pay my friend, and click " Save '', I receive an error message : " Unable to complete transaction : prepaid cards ca n't be used ''. This error occurs solely based on the card number ( probably the XXXX ) ; it does not appear that Google Wallet/Google Payments attempts to process a charge on the card. I tried this as recently as XXXX XXXX, 2017. XXXX 's regulations require that all payment processors honor all types of XXXX cards, including debit cards. Nothing in Google Payments ' terms supports the premise that it can selectively discriminate. Therefore, this behavior is discriminatory and a violation of XXXX 's rules.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with G&P Enterprises, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Your submission, [ Case number : XXXX ]. I need to make a correction to the addresses that I provided. In my rush, I made to XXXX typos. 

Complaints against : Allied Trustee Services - the correct zip code is XXXX. 
XXXX XXXX XXXX - the correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
I have followed up with XXXX additional letters to these companies. They want to argue that their actions have been approved in court. I am requesting an accounting of all of their fees and I feel that I am entitled to this as a consumer, These fees are not in the court documents. I am attaching my last XXXX correspondence with them. 

XXXX XXXX sent Allied Trustee Services on XX/XX/XXXXRE : XXXX XXXX XXXX - XXXXThis is to acknowledge your letter dated XX/XX/XXXX that included a copy of the court order dated XX/XX/XXXX. Unfortunately the public records and your response does not provide answers to my questions that I have a legal right to have as a consumer. Once again, I request that you provide the following : date this debt was referred to your agency the initial amount of the debt referred to your agency itemized list with dates and amounts of interest charges that your agency has charged. 
itemized list with dates and amounts of attorney fees andthe reason for the legal fees that your agency has charged your written credit/collection policy ( Allied Trustee Services ) on interest rates and fees that your agency implements. 

Sent to XXXX XXXX on XXXX XXXX, XXXX : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX, CAPlease send me a copy of the lastest invoice for the condo at XXXX XXXX XXXX # XXXX XXXX, CA listing all charges incurred before you forwarded the debt to the attorney and/or collection agency. 
I would like a detailed invoice listing the following : date you referred this debt to the attorney/collection agency debt amount that you referred to the attorney/collection agency an itemized list with dates and amounts of all interest/late charges start date and end date of charges itemized list with dates and amounts of attorney fees and the reason for the legal fee documentation of XXXX XXXX 's agreement noting credit for his payment arrangements your written credit policy on interest rates and fees

Company response to consumer: Untimely response
Consumer complaint received 06/20/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calls constantly leaving voicemails about concerns with my address. they have my address yet send me no communication through mail, I am on the do not call reg but they wont stop

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I logged into my online banking account with TD Bank where I have a checking and savings account. I noticed there was also a credit card account attached to my accounts which I did not apply for. I called TD Bank and reported the credit card account. They transferred me to the credit card company where I closed the account. They then transferred me to the fraud department where I reported it. I was told by the credit card company that when I was at the bank on XXXX XXXX, in person, I applied for the account. I reported that though I was at the bank on XXXX XXXX I did not, nor did I authorized anyone to apply for an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Transunion is violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). They failed to notify me of the reinsertion of XXXX in writing within 5 business days. This account was removed several months ago from my credit report after I disputed it. I noticed that transunion just added it back on my credit report and refuse to remove it. This is a very serious violation of the FCRA.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit reporting agency  XXXX  is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu

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 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: On XXXX XXXX, XXXX, I transferred XXXX euro to Coinbase. 
XXXX XXXX, XXXX, I received notification from Coinbase that they were rejecting the deposit and returning the funds to my bank within 2 business days. 
XXXX XXXX, email from Coinbase Support says it has located the transfer and that it has been returned to the originating bank. 
XXXX XXXX, XXXX : From Coinbase : " I can confirm this transfer has been properly documented. Our engineers and payments team are working to resolve. '' XXXX XXXX, XXXX : from Coinbase : " Our payments team processed a large batch of reversals over the last couple days. I can see your reversal has started, and will likely complete early this coming week. '' XXXX XXXX, XXXX : I send an email to Coinbase offering to alternative payments methods to get my funds back to me. I receive no response. 
XXXX XXXX, XXXX From Coinbase : " We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. '' I have sent roughly 50 emails in total since XXXX XXXX, XXXX in order to get the above four responses from Coinbase. Even though they acknowledge the error, I have yet to receive my funds back from them. 

I simply would like the immediate return of my XXXX euros as promised by them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (I do not know) with Allied Interstate LLC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a new phone number ( XXXX ) and apparently, the person that had the phone number before me owed a debt to " Allied Interstate ''. Allied Interstate called my phone and asked for this other person. I told them they had the wrong number. They asked if I knew this person and I said no, this is a new number and phone for me. I do not know this person. The caller from Allied Interstate proceeded to yell and scream at me, call me names and harass me saying that I was trying to run from this debt! I just hung up ... She called right back! I have no way to block this number, they are calling the wrong person and can continue to call and scream at me whenever they want ... This HAS to be illegal? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX and XX/XX/XXXX someone tried to gain access to my account. They fraudulently tried to use someone else bank account to pay off my balance and then use the available balance on the card. I was notified that my card had been restricted when I saw the same thing on several of my other credit card accounts. I made a police report and was told that this is a scam that had been going on. I notified Capital One and told them that I would be producing a police report shortly but I could n't because at the same time my city ( XXXX, Alabama ) had been locked out of their systems by a hacker who was demanding ransom and they could n't put any police reports into the system or even get into the system for that matter. As soon as I was able I got what I needed and sent it to capital one. I also turned over other police reports because I have been a victim of fraud several times before and I try to keep a close eye on my credit reports and things of that nature. I was told that I needed to pay down my balance and that after that they would re-authorize my card. I did exactly what I was told to do only to be told that they would not be reopening my account even though they had all the evidence that it was not my fault and that I was a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Mortgage) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the   XXXX   XXXX  . In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which were  discharged  ; howeve r, Citimortgage h as continued to assert that the mortgag is a new debt and report it to  XXXX . I have disputed this account for the past 2 years with no success. Also, each time  XXXX  removes the account, it is reinserted a month later. This has caused my  credit score to  go down by  XXXX  points. I have reached out to  Citimortgage as well. They have refused to acknowledge that the mortgage was discharged  and should be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my  hope that your agency can assist in getting this cleared up and my credit score  restored to its previous number of  XXXX .   Thank you in advance.

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 04-11-2016 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: Peoples Bank is practicing what they called XXXX banking in the XXXX 's. It began by the bank charging {$10.00} on a small checking account. When I called to close the account I was told I had to drive from XXXX to XXXX. Instead I wrote a check to take the balance to zero. They chose to accept a direct debit against a zero balance of XXXX to collect a XXXX fee. Any review of the notes they could have easily seen I wanted to close the account. Instead they continued to charge service fees on a zero balance accounts Today this day is why the XXXX distrusts the XXXX banks

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been given little to no options on repaying my loans. I can not afford my current payment and there is no help!

Company response to consumer: Closed with explanation