milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: XXXX/XXXX/16 I got email from my bank about person to person transfer {$2000.00} was originated to a person by name XXXX XXXX, the transfer was scheduled to go out the next day. I immediately called TD bank tech support line and told them it is fraud, I do not know the person and never originated the wire. TD told me they stopped the wire, they blocked online banking login and gave me 100 % assurance my money are safe, transfer stopped. But the next day money went out and were in pending status, I called again, TD again said they give me 100 % guarantee my money are safe and will be back on my account in 2-3 days. on XXXX/XXXX/16 my money left my account for good. I called TD again, they put all the blame on me, finally transferred me to fraud department. I also filed a police report locally. TD bank did not do anything to stop fraud money transfer originated from my account, they let the transfer to go thru, now they refusing to give me my money back, telling me I must wait 2 wks for their investigation, and even after that, they say no money back guarantee. It can not be that someone hacked into my online banking like the bank says because that someone was acting and changing the transfer data after TD completely blocked my account from online access. It is totally TD fault

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The Social Security Administration was notified that my SS retirement was started. It was not. The address shown by Equifax was the address that was used to begin drawing Retirement SS by the individual - which was not me. I have requested Equifax to remove the address since I have never lived there and it was used by the individual to try and begin drawing my SS retirement benefits. I am not retired and continue to be employed and will be so for several years. 

The SS Administration has reviewed and completed their stop payments, etc. of my benefits to the individual committing the fraud at the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona, XXXX. 

As mentioned above. I have contacted Equifax to have this address removed, yet to no avail. 

I believe my information may have been part of the information gained by the " hacked '' Equifax database and was used to gain access to my information at the SS Administration. 

Thanks for all your help, Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CT).
Issue: Other transaction problem

Complaint: I have been an customer of Coinbase.com for the past year. I wire transferred numerous times back into my bank account. In this most recent one on XXXX XXXX, 2017 at XXXX XXXX the funds of {$1000.00} never entered my bank account. I gave them a week and called Coinbase. They said that it went through, contact your bank. I contacted XXXX XXXX and they told me their wire transfer department does n't see the bank wire on their end, and to get them a federal reference number. I then contacted Coinbase again to ask them for the Federal reference number for my bank wire and they replied, " we have moved your issue to a specialist, and moved to top priority. '' Now a month later i called back for a fourth time regarding the disappearance of my money, and they hung up on me. Their company is so backed up with calls that when you call them it says to call again later. I have also reached out to them via email. I have no idea if they even got to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company.They have not provided me with documentation showing any type of agreement between myself and Barclays Bank DE. I requested a copy of any and all agreements to validate this collection/debit and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copies of my letter to them, FTC Opinion Letter, their response. Please be advised that the copy of the response you see from them is why they continue to send me over and over again, ignoring request of other information.

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 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, A subscriber to Transunion, XXXX or XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask that the inaccurate information be removed as their subscriber has failed to respond. Thank you.

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 04-05-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/2015 Syndicated Office Systems Reported several collections to the various to the XXXX credit bureaus under my name and social security number. I disputed the debt and it was removed only to appear again under the name Central Financial Control which is the DBA FOR Syndicated office systems. After years of continuous fraudulent validation XXXX has removed all of these accounts but thus far XXXX and XXXX have validate these accounts. Over the past several years I have been turned down for loans, credit cards and possibly refused employment due to these fraudulent entries. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Consumer Loan (Installment loan) with PNC Bank N.A. (OH).
Issue: Shopping for a loan or lease

Complaint: payment arrangements were made on time as agreed to between myself a nd PNC, and yet fo r  XXXX ,  XXXX ,  XXXX  of   XXXX   payments were made on time as the letter states fro m PNC  to the CFPB. and  XXXX   XXXX  lied in that letter a few times, first all it was my call to  XXXX   XXXX  office to force  XXXX  to do his job. He now claims I offered to pay {$300.00} in   XXXX   to bring the account up to date. I do n't know where he got that from. The reason for the original complaint was tha t PNC agreed to the payment plan and   XXXX    assued me that there will be no more late pays reported to the Credi t Bureau 's. Yet for  XXXX ,  XXXX ,  XXXX  of   XXXX    XXXX  's letter proves the paymen ts were made on time but he refuses to correct the credit reporting. His actions are wrong and breaks a few credit laws. As I stated many times before make PNC release the recorded phone call and it proves I 'm right.  XXXX  lied plain and simple to me and a federal agency

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with JPMORGAN CHASE & CO. (PR).
Issue: Application processing delay

Complaint: Hi, I applied online for a Chase credit card on XXXX XXXX, 2015, and I received a e-mail with some information regarding about my online application including that they will let me know about the decision of my application through mail in 30 days. 
After two weeks without any news or mail with the status of my application, I decided to call the Chase Bank through the XXXX number, and the mortgage department answer and told me that they need proof of my address so they can have a proof of my address to approve my credit card application, so we agreed that I am going to send them a color copy of my drivers license in a certificate letter through USPS mail. They received the letter on XXXX XXXX, 2015. After I received that day the confirmation receipt from the USPS I called them to ask if they received or need more documents, they do n't let me know if they received or need more documents. They told me that I need to wait that the processing department have to analyze my information so they will let me know. I called them several times last week and they told me that they do n't know in what status are my application, so they will let me know soon. Last day I called them was on XXXX XXXX XXXX in the morning. 
Today Sunday XXXX/XXXX/2015, I called them again to ask about my status, and someone with the name of XXXX told me that he ca n't found my application in the system and he cant provide me information about my application. 
I ask him his last name and if he is a Chase Bank employee from an XXXX company, and he told me that he is an Chase employee but he ca n't gave me his last name. I ask him to talk with a supervisor and he told me that there 's no supervisors to talk, that the only thing that he can do is run again with my Social Security a new application, and I refuse to do that because I applied before for that and my call to Chase was for that reason, and also I told him my credit score is going to be affected, and I paid for sending to them a certified mail with the information they ask for proof of my identity address. 
I ask him again if anyone there in Chase that could help me and said that I am not in the system and I need to apply again. 
Also I never received from them a letter or email with the status of my application. 
Please help me with this. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Credit determination

Complaint: I have a credit card from Chase Bank XXXX This account was closed as of XXXX/XXXX/XXXX. 
Chase is reporting this account late and in default. 
I had filed a complaint in XX/XX/XXXX, and Chase the resolved the issue then, but i=t still keeps on showing up on my credit report. This has caused irreparable harm to my financial situation, and i am demanding that Chase remove the negative information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationwide Biweekly Administration. 

I signed up for the service and paid an enrollment fee of {$990.00} only to find out that after two months of enrollment the program claimed to have lost their bank and my account was suspended. I believe this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I mailed a letter dated XXXX/XXXX/16 to GM FINANCIAL requesting account verification/ validation for the account in dispute, documentary evidence of my indebtedness for all charges in which they claim I made late payments, documentary evidence of timely billing and timely posting of all payments from opening of account through the present whether or not they claim payment was late, court documentation verifying a repossession order was filed in any Indiana State court with regard to this account as GM FINANCIAL has reported this as a " Repossession '' on my credit record and also requested a notarized statement attesting to their compliance with all provisions of the Fair Credit Billing Act with respect to this account. To date, I have not received any information requested from this company with regard to this account. Return receipt shows " XXXX '' received my request by Certified mail. I have filed dispute with all XXXX major credit reporting agencies on at least three occasions previous to mailing a certified letter. I am awaiting removal of this negative account from my reports as GM FINANCIAL has failed to comply with the Fair Credit Billing and Fair Credit Reporting Acts in which they are obligated to do as required by law. I am asking for your assistance now since this has previously been disputed with GM FINANCIAL, XXXX, XXXX and XXXX and I 've failed to have the account removed as of the current date. I have never had an account with GM FINANCIAL in the past or present. I have never had a repossession of a court order of repossession nor have I received by mail a letter of repossession or by delivery of a court civil process server.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been awaiting debt validation from this company since XXXX 2014. I sent them a debt validation letter on XXXX/XXXX/14, however to date I have yet to receive any documents from them. I have sent a failure to validate debt letter to them too and still no response. The illegal thing is that they continue to report to my credit reports monthly since I have requested validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (WI).
Issue: Fraud or scam

Complaint: I Purchased a defective product for over {$1400.00} using Paypal buyer protection. I was told to return the product for a full refund. initially I was told that the buyer protection covers shipping cost, but Paypal said i would have to pay the {$600.00} to ship the defective product back. I paid to ship it back and after it was delivered I was that I would not get a refund. Im out of over {$2000.00} and no product to show for it. I would like a full refund as promised including the shipping. Why should I have to pay {$600.00} to ship a defective item back? I have everything in writing and I spoke to a supervisor XXXX as well as a Manager by the name of XXXX on XX/XX/XXXX on a recorded call as well as in writing I was told I would get a full refund. I supplied the tracking numbers for the return and confirmed it with a signature as instructed by XXXX the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (FHA mortgage) with LENDER LIVE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Lender Live was my mortgage servicer up until they transferred my loan. Lender Live sent my escrow payments to the wrong municipality, creating a large deficiency in my escrow and then notifying they were more than doubling my payments. When I notified them they had made a mistake, they never explained what happened, only that they needed to request refunds from the municipalities they sent my money to so they would be able to pay the correct taxes ( due to their error my property and school taxes were paid late ). They have yet to correct the issue, and provided the wrong escrow information to my new loan servicer so I am yet again trying to rectify the issue that Lender Live created.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: It appears Citibank is still up to it 's old dirty collection tricks. I used my Best buy credit card used issued by Citibank to make a purchase on XX/XX/XXXX the same day I was supposed to go on an XXXX trip. I discovered the same day that my SIM card would not fit the phone so I went to the trip without the phone. I came back to the US on XX/XX/XXXX and immediately returned the phone and placed an online order for the phone I truly wanted. The phone was shipped out on XX/XX/XXXX and I received on XX/XX/XXXX. In the meantime, Citibank had sent me a billing statement on XX/XX/XXXX for a bill due on XX/XX/XXXX. Since the phone was returned on XX/XX/XXXX, I did not owe them anything for XX/XX/XXXX. The next bill was generated on XX/XX/XXXX with a due date of XX/XX/XXXX. I have been getting phone calls morning, afternoon claiming my account was past due. I was told by the agent that the late fee they so loved to charge would be removed and he apologized the first time I spoke with someone but i keep getting calls as early XXXX and as late as XXXX. This company is terrible. You need to do something about them. While I do realize you have no real power I am lodging my formal compliant once again.

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 01-09-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Account opening, closing, or management

Complaint: XXXX/PPC PayPal ran an unauthorized hard credit check in XXXX 2015. It was listed on my credit report. I never gave consent or inquired about a credit line/credit card with PayPal. This is now on my credit report for 2 years and affects credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with DISCOVER BANK (VA).
Issue: Advertising and marketing

Complaint: The Discover card offers an extended warranty that appears in the list of benefits ; their website states " No need to worry about expired warranties. We will extend the terms of an existing eligible warranty for up to XXXX additional year on warranties of 36 months or less '' and further states this is " Available to all Cardmembers ... This exclusive benefit is available to you as a valued Cardmember. We 've got you covered when you use your Discover card. '' The reason for my complaint is if you decide to utilize this benefit and file a claim, the claims process ( which is administered by a third-party ) requires an official repair estimate to be submitted and this may have a cost -- thus, in order to use the Extended Product Warranty benefit, a consumer may have to pay an un-reimbursable expense that is not covered by Discover or their assigned third-party claims processor. 

In my particular case, I have a XXXX TV that failed after XXXX 's original one-year warranty. After filing my claim and providing all other requested documentation, I have found that there are no " free estimates '' available from authorized repair facilities. All repair providers require an upfront fee of {$99.00} to {$140.00} for an in-home estimate, the cost of which may or may not be applied towards the actual parts and labor repair. Discover will not cover this cost, and thus, this is not a free benefit. Contrast this to any standard manufacturer 's warranty that would not require any cost to initiate and finalize a repair or replacement and you can see that Discover needs to address this issue as this benefit is not actually extending the original warranty and this is deceptive. 

My request is that Discover amend the " Extended Product Warranty '' Terms & Conditions advising consumers " that any cost for an estimate is not included in this benefit '' or that they would reimburse the cost of any estimates paid for by a consumer as part of the claims payout process. 

I have contacted Discover already about this issue, but do not have confidence the company will take my complaint seriously so this is why I have elected to bring this complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They sent my debt to collections after I have paid on the debt. I received only XXXX notice that I had the bill in the first place. I have financial aid from the hospital who said they were going to call XXXX and tell I had financial aid. I have excellent credit and never had anything sent to collections in my life. I am so mad and I want it taken out like it does n't exist. I will scrape up the {$62.00} I owe somehow. How petty when they cashed my payment and still sent it to collections, unbelievable.. XXXX XXXX Check # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has serviced my mortgage for the past several years, succeeding GMAC when GMAC sold its assets in bankruptcy. In the past few years I have received several communications from Ocwen that appear to be attempts, surreptitiously or by threat, to extract money from mortgage-holders beyond the amount payable to remain current on your mortgage or escrow. These include : 1. Sending notice that Ocwen is increasing the customer 's monthly escrow payment ( and correspondingly the mortgage payment XXXX to purchase property-casualty insurance to insure the property securing the mortgage, despite the property-owner already carrying the necessary coverage. When confronted with this fact, Ocwen representatives claim that they have no record of the existing insurance, despite receiving documentation from the customer and the customer 's insurance provider. I receive essentially the same letter every XXXX for several years, despite carrying the same policy from the same insurer from the date I purchased my home. 
2. On XXXX XXXX, 2016, I received a monthly statement from Ocwen stating the amount payable on the mortgage XXXX XXXX, 2016. I paid that amount during the requisite payment period ( prior to XXXX XXXX ). I have since received numerous calls from Ocwen " attempting to collect a debt '' stating that the amount of my monthly mortgage has changed and the amount stated on the XXXX statement was incorrect by {$72.00}. I have not received, nor can Ocwen identify sending, a statement with the different, larger amount stated on it. Nonetheless, I have received almost daily calls attempting to collect this amount. I have notified Ocwen representatives several times that I have never received, nor, as they acknowledge, has Ocwen sent, a written notice or statement identifying the higher amount. This would appear to be both fraud, and an unlawful attempt to collect a debt.

Company response to consumer: Closed with explanation