milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Consumer Loan (Vehicle loan) with ZENCO COLLECTION, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: I received a call on XXXX/XXXX/XXXX at XXXX in the morning from Zenco Collections XXXX XXXX XXXX XXXX , TX XXXX on a auto loan incurred in XXXX, with a remaining balance plus interest incurred after the vehicle was surrendered back to the finance company in XXXX, XXXX being 90 days past due payment. At that point I had been laid off from my job and could not meet this obligation on unemployment insurance. At the time I surrendered the vehicle, I was unable to attend my father 's funeral for lack of funds. 
This morning I was threatened with wage garnishment, legal action to seizure of assets, and potential incarceration unless I agreed to immediate payment of {$2000.00} or a minimum payment schedule of {$50.00} per month to pay off the debt. While I agreed to this since I have no means to defend myself in court and I was under pressure by their threats, I explained to them that I was currently on half-hours in employment and having trouble covering food, shelter and daily expenses. My wife retired prior to my hours being reduced and is on a fixed income. I have been putting off medical and dental work because I am unable to afford the deductible/copayments at this time. They insisted that I MUST give them an answer at this moment or face legal action. 
After Checking about dedt collection and finding that the debt was beyond 4 year Statute of limitations. I contacting the States Attorney for Consumer Affairs. I cancelled the debit card that I had given to these people, understanding that the debt itself was past collection limit, and that the pressure used was unethical and unfair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my equifax credit report it states in the status section that my XXXX account is a charge off. I paid this card off in XXXX 2014. It has been reporting incorrectly since I paid off the card. I have called finger hut and they do not know why it is being reported incorrectly. The status is not a charge off. This was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Payday loan () with Duvera Billing Services, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: I 've just had to get my car repaired on credit. I went to XXXX of XXXX XXXX XXXX XXXX XXXX ' in XXXX XXXX AZ . They use 'EasyPay ' finance company for financing of customers needing credit. 'EasyPay Finance ' ONLY does 'applications ' by CELL PHONE. This is highly irregular as cell phones have very minute screens in which to view the numerous needed documents. This makes it almost IMPOSSIBLE to see what you are signing. I am also well aware, or thought I was, of the Federal CAP on loan interest rates of 20 %. So when I finally received printed copies of the documents that I could actually READ I noticed that there is an APR of 188.99 %? I initially thought this to be a typo since this is EXCESSIVE? This makes the FINANCE CHARGE {$1000.00} for a charge of only {$810.00}. This entire matter must surely be FRAUDULENT? How can anyone legally charge a larger finance charge than the amount of credit needed? My Application Id is : XXXX I look forward to any correspondence from anyone regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Managing, opening, or closing account

Complaint: I was given an American Express gift card at my retirement luncheon. The gift card was inside a greeting card envelope and somehow, I believe it fell out of the envelope as we were leaving the restaurant. I called the restaurant and they reported an unsuccessful search of the dining area and outside on the street. I also called the local police in case someone found the card. I immediately called American Express ( Classic Card ) services and they told me to get a copy of the receipt. I got a copy of the receipt and faxed it to the number they gave me. They took about a week, and I received a " reference number '' along with a response : " Based upon the information you provided, we are unable to locate a valid Gift Card number ''. I called American Express again and was told to contact the seller ( XXXX ), and they provided me with the last XXXX digits of the card ( which was already available on the receipt ). American Express provided additional steps that I should take : Contact XXXX and request a " PROXY # or SERIAL # '' from the XXXX store journal. I made another call to XXXX and was told that I would have to talk store security. Security was very nice, but denied me the information unless I went to my local Police Department and had someone make " official '' contact. My local Police Officer was very nice and tried to cooperate with XXXX, but ended up with NO additional information, only the last XXXX digits again. Another call to American Express and the shared their regrets and said I was at the end of the search ... they could not help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Consumer Loan (Installment loan) with FIRST HERITAGE CREDIT LLC (MS).
Issue: Taking out the loan or lease

Complaint: I requested a cash loan. I was told that I qualified for the loan but had to list personal property to secure the loan. I was then told that I had to also purchase property insurance to make payments in the event that I defaulted on the payments. I was told that the loan also came with life and XXXX insurance and road side assisstance. These products were NOT offered to me as an option, but rather a condition. I was told all premiums would be prorated only for the months the loan remained active. When I returned the next month to pay off the loan in full all before the first monthly installment was ever due. I was told that I owed all of the money I borrowed plus 403 %. The cash I received {$2000.00}. All insurance was never used and cancelled. Total payments demanded {$2700.00} ... .. all before the 1st payment was ever due!

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has contacted me via phone every day, several times a day for months but never leaves a message. I know no one at this number. I would prefer the calls stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX is reporting an account an account that I had filed bankruptcy on as a collection account. XXXX XXXX XXXX report this account to all the XXXX credit report companies. Please investigate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX/XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, XXXX 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 explanation
Consumer complaint received 02/23/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I've been noticing that my bank Wells Fargo changes transactions dates and hold payments in order to charge overdraft fees. This is a pattern that is costing me hundreds of dollars monthly. I do not recall giving them permission to provide me with overdraft protection and when I try to revoke any permission in my online banking account site it only allows me to give them permission to provide me with overdraft protection. This is not the first time that I encounter this situation with this bank.

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 monetary relief
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I am refinancing my home and have mortgage insurance. My current mortgage provider is Seterus Inc. Loan number : XXXX. I have requested a copy of my current mortgage insurance certification. I have personally called 8 times and have spent about 6 hours on the phone only to be put on hold, transferred and then never provided what I am requesting. This is holding up my refinance and rates are going up. I would like a copy of my current mortgage insurance sent to me directly XXXXXXXXXXXX or fax to me XXXX XXXX asap. I also file a complaint a month ago with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with DISCOVER BANK (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: XXXX, XXXXXXXX XXXX XXXX has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Problems when you are unable to pay

Complaint: I have been receiving harassing phone calls from Portfolio Recovery for over a year. I have written them requesting that they do not call, I have verbally requested that they do not call, and they continue to call. I also get calls several times a day from their many phone numbers. Here is a partial list of the calls ( all calls are CST ) : XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling and send information regarding debt. I have never received information. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX a man named XXXX called. Again requested they stop calling. XXXX informs me that they can call as often as they like and that they do not have to send confirmation of debt. 
XXXX/XXXX/XXXX XXXX and XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX did not leave number. Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX and XXXX XXXX Requested they stop calling. 

Please note that all of the above calls are asking to talk to a married name that I have not had in over 15 years. They have also started calling me on my secondary ( business only ) and cell phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2016 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Deposits and withdrawals

Complaint: We help our daughter and her family financially because she has a XXXX and her husband is unemployed. We live XXXX miles from her and we bank at XXXX different banks. For some time I had been getting cash from my bank and depositing into a local branch of her bank. In XXXX that came to an end when her bank told me that they could only accept {$500.00} cash. The rest would have to be in the form of a cashier 's check and it would be available in my daughter 's account after XXXX the day of deposit. This seemed to work. Then in XXXX unbeknownst to me and my daughter a deposited cashier 's check was held for several days resulting in her rent check bouncing and overdraft fees being instituted. I inquired at the local branch of her bank where the check was deposited. They had not put a hold on the funds. They said that her branch must have. They explained that individual branches can decide to put a hold. I was never told this before. They also said that any cashier 's check over {$5000.00} could be held. I had never been told this before. They said a branch can hold funds if the account has any history of overdrafts. This seems like a self-fulfilling prophecy. When XXXX families are doing everything they can to keep funds in our daughter 's account it seems like the bank is mugging us when they put a hold on funds in the form of a cashier 's check from a reputable bank. They are also capitalizing on this situation by assessing overdraft fees. This is completely unfair. It serves to further destroy morale of people who are already struggling to stay alive in this economy. Respectfully.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Billing disputes

Complaint: I signed up for a Nordstrom card because the store would not give me the sale price unless i had the card. I never received the card but got a phone call in XXXX 2016 to make the payment. I agreed to pay, and provided my XXXX checking account information. I understood that Nordstrom will take the money from the account. But i receive a collection call in XXXX stating that i owed a balance of $ XXXX+ becuase of penalties for non-payment. The agent told me that they had only taken {$38.00} payment for XXXX account instead of the the full balance that they previously offered to take over 3 months XXXX each. I offered to pay the balance, but they would not waive any penalties. 

So now have XXXX % penalties on a small purchase of less than XXXX. I dont understand why Nordsrom can charge the penalties when they have my bank account to withdraw the payment each month. I guess they make more profit by threatening me to report to credit agencies .... which has not ruined by credit too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: attachment # 1 subject of complaint drivers licensed DL # XXXX georgia suspended on purchased date XXXX-2014 attachments # 2 attached XXXX complaint form contractual a dealership plaint not to purchase any vehicles from XXXX XXXX XXXX attachments # 3 this used vehicle could only be purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX general manager XXXX XXXX to conduct a stolen car check. federal truth in lending disclosures civil cover sheet attached cause of action title 15 uscs 1601 findings and declaration deed book XXXX XXXX XXXX county virginia to wit : deed bk XXXX said declaration amened from time to time reason to conduct an investigation extortion {$300000.00} .XXXX permit application case no. XXXX cited XXXX XXXX XXXX use only XXXX XXXX XXXX XXXX XXXX md XXXX the maryland -national capital park & planning commission said land said grantor hereinafter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not a XXXX. 

I have tried to escalate this matter to TransUnion multiple times without success on XXXX XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XX/XX/XXXX - XXXXUSPS Certified mail - XX/XX/XXXX - XXXXXXXXI have tried bringing this to TransUnion multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and TransUnion repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for TransUnionXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXThis account showed up on my credit report on XX/XX/XXXX for a balance of {$670.00}. This current TransUnion report on XX/XX/XXXX Confirmation XXXX and XX/XX/XXXX Confirmation XXXX both states a repetitive response that TransUnion verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XX/XX/XXXX. How could there be a collection for another rental/leasing for a different amount while I was living at XXXX XXXX XXXX? I have a copy of my lease which I 'm attaching. TransUnion allege investigation only verify my name, and information which is already on my credit report provided by the collector. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XX/XX/XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I made a SEPA transfer of XXXX Euros to COINBASE on XXXX XXXX, XXXX. Until this day the amount is n't available in my Coinbase account. My bank told me that the transfer has gone through. Coinbase usually has the money available within 2 to 3 working days, which was the case of my previous transfer. For this one, it is taking too long. The phone support line does n't handle money transfer issues, so I used the online " submit a Request '' form at Coinbase 's website to no avail. The details of the request are : " I did a SEPA transfer from a XXXX bank on XXXX XXXX and I still have no available funds on coinbase! I could have doubled this amount by trading by now. Where is my money? 
Case ID : XXXX Updated : XXXX XXXX, XXXX XXXX PST Created : XXXX XXXX, XXXX XXXX PST. " This is preventing me from making some good investments I had in mind and I urgently request help in solving this issue. 


I 'm attaching the transfer details ( One PDF with the summay of the transfer, from my online account, plus the picture of the document that the Bank gave my in paper with all the transfer details along with its translation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/XXXX I filled Bankrupsy XXXX. All negative items were include in Bankrupsy and were discharged through the Bankruptsy over 5 years ago. 
On XX/XX/XXXX I ordered a Credit Report from Equifax. All negative items which were discharged, appears with CURRENT status as " Included in Bankruptsy ''. 
Even I had the Bunkruptsy, the correct CURRENT status is " Bankruptsy Discharged '' or " Discharged through BankruptsyChapter XXXX '' for all negative items. 
I have discused these incorrect statuses with Equifax twice. 
On XX/XX/XXXX I receved another investigation results from Equifax. There were no changes.

Company response to consumer: Closed with explanation