milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Bank account or service ((CD) Certificate of deposit) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Deposits and withdrawals

Complaint: funds I put in checking account is not adding up. I invested money in cd 's and money market account and some disappeared, also never received a quarterly statements about my accounts in two years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to access my Experian credit report online or initiate an investigation online. I subscribe to Experian 's credit monitoring service, however when ever I attempt to initiate an investigation and I enter my identifying information, a page appears that they are unable to honor my request and I must do it by mail. 

When I receive a paper copy of my report, I attempt to use the report number to view report again and I get the same message saying they are unable to honor my request. I can not initiate a dispute even after receiving the paper copy by mail. 

It appaears Experian has blocked my online access to my credit report 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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax and  XXXX  are not responding to my requests to investigate and remove one account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TN).
Issue: Problems when you are unable to pay

Complaint: A few years ago i had a repossesion and left me a balance reporting negatively on my credit on XX/XX/2016 I settled this account for a lesser amount and have a settlement letter from the attorneys office proving this. Gm Financial refuses to update my credit report showing account settled as they agreed when the settlement was offered to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Mortgage (VA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: We had our mortgage through XXXX XXXX, but on XXXX XXXX XXXX they sold our account to Homebridge Financial. XXXX, before selling the account, paid their portion of the taxes due to our county property taxes, and forwarded the remaining bill to Homebridge. Homebridge was due to pay the remainder by XXXX XXXX XXXX, they did not pay. We are military and live XXXX states away and received notification from our county XXXX XXXX XXXX that the taxes have not been paid. We immediately contacted XXXX, and I was advised by the agent to fax over the delinquent notice, and they will contact and make payment arrangements with the tax commissioner office within 3 days. On XXXX XXXX they had not yet done so and I was informed by tax commissioner office that Lien would be placed the following day XXXX XXXX XXXX. Homebridge continues to say they are trying to verify parcel numbers and verify amounts. I provided to them a direct number to tax commissioners office. I also called tax commissioner office and verified that homebridge has not contacted them and no arrangements have been made along with any payment.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a fraudulent account and it 's keep coming back as accurate

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 02/22/2018 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There is no way this is also accurate there is a company listing I owe XXXX I have disputed with nothing being received back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I XXXX XXXX does have a legitimate dispute that the Federal Trade Commission should investigate. In XXXX, a resolution was presented to the United States XXXX labeled XXXX. This resolution was designed to specifically give permission for public utilities to post payment information against individuals for any public utility. This would have meant the redefining of the meaning of what credit was or represented. The Fair Credit Reporting Act was initiated and procured as federal law in XXXX XXXX to establish a level playing field between consumers and the XXXX system. Public utilities are regulated by XXXX throughout every state and in many cases municipalities throughout the country. XXXX failed to make it out of committee and was never voted upon. In retrospect, public utilities abuse the Fair Credit Reporting Act by using the credit reporting process, even though by law they are not entitled to it. Any mention contractually that a company such as XXXX could use my personal information such as my social security number to report anything against me would be a serious violation of my constitutional rights. The use of my information by transfer would need to be established in writing, and that in itself could cause problems against XXXX in class action proportions. Because of a delay in the transfer of cable/wireless equipment to XXXX, a transfer that contained no additional remuneration, XXXX decided to abuse my personal credit report by the transfer of my personal information such as my social security number. This in itself is nothing less than identity theft. Accordingly, my file information from XXXX and the collection agency known as Eastern Account System needs to be purged immediately and permanently. I make my identity theft claim based upon the transfer of personal information XXXX had no right to share with any third party to begin with. My complaint is real and 100 % legitimate. My file information must be purged immediately and permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint: Leased a new vehicle from XXXX XXXX XXXX in XXXX XXXX and noticed that the finance guy did not want to share the contract with me until after I had finished signing. Upon seeing the details of the contract after getting home, noticed there was an after market add-on for {$4000.00} which I never agreed to purchasing, let alone signing an addendum stating that I wanted the add-on or proof that " XXXX '' was ever installed on the vehicle or came with the vehicle. I came back to the dealer on Sunday to speak with someone and the Finance person told me to come back on Monday to speak with the Sales Manager who told me to come back on Tuesday to deal with the original Finance person who ripped me off in the first place. I called the Finance Director who claimed that there was nothing that she could do until the original finance person came back although she was the DIRECTOR, that all his deals were " locked up '' inside his desk and that she had no access to them. After coming back to the dealer on Tuesday and speaking with the original Finance person, he exclaimed that they did not charge me for the {$4000.00} add-on although the contract clearly shows that it was included in the price of the vehicle which determines the amount financed and the monthly payments. He also mentioned that this is a lease, so there 's no financing, which makes NO SENSE whatsoever. He proceeded to remove the {$4000.00} add on and added the total oto the " Rental Charge '' portion of the lease, jacking it up from {$2000.00} to $ 6,000+ to keep the same monthly payments. Eventually, I walked out and asked to speak with their GM, who never showed up. After waiting for another 15 minutes, the Finance Director tells me that she will " resolve '' the issue and removed all the erroneous add-ons and charges out of thin air and removed about {$7000.00} of fraudulent charges on my lease contract and bringing my monthly payment significantly. In the end, there was really no explanation for what occurred because the dealer knew that they were caught red handed and had no proof that the add-on was ever installed or requested by the buyer and tried to save the sale. I could not believe how much trouble I had to go through to get something removed from the contract that did not belong in the first place. Be very careful if you are purchasing from this dealer and make sure that they actually print the contract out and walk over the price with you line by line and provide full explanations for all of the charges and documentation for any " add ons '' that they might have thrown in there that you did not want.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never have used another name besides XXXX XXXX, I keep seeing many versions of XXXX and getting offers for credit card : XXXX XXXX XXXX XXXX XXXX I also see a wrong address I have never been at : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ... May we correct this? It worries me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 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: XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.

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 01/29/2018 about Debt collection (Other debt) with Union Adjustment Company, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Famsa XX/XX/14 paid

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Unsolicited issuance of credit card

Complaint: My issue is found with XXXX XXXX, a subside of XXXX XXXX and a wrongful attempt at collecting a debt that I am not responsible for. Firstly, the work was unfinished and shoddy but the largest issue is in the amount pursued being placed on a credit card that was never received. I could not approve the amount of the final transaction due to my inability to sign off on the card itself. It was ran without my approval resulting in fraud and a sizable amount of damage to my credit history.

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 06/24/2015 about Credit card () with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Unsolicited issuance of credit card

Complaint: I applied for credit through XXXX XXXX, XXXX, MI to purchase a new washer. I was denied. I paid for the washer with my XXXX XXXX. A couple of weeks later, I received XXXX letters from Santandar Consumer USA. XXXX indicated I had been refused credit, the other told me what my limit was. I never received a card or anything further until I received a statement indicating a {$49.00} balance. I called on XX/XX/2015 and spoke with XXXX and was given the run around before I was disconnected. I called back and was told by XXXX who said the {$49.00} is automatically billed for having the card ( what card? ) and I owed this since I opened the account. I explained the situation and after some stressful conversations, was told the account would be closed. The next month I received another Statement showing I owed the {$50.00}. I called again on XX/XX/2015 and spoke to XXXX who indicated that even though I was denied credit through XXXX XXXX, I stilled owed the fee because XXXX had picked up the account on their own. I only applied through XXXX XXXX! I never agreed to have the account " picked up '' by anyone. Again, after more stress and lack of understanding, she assured me the mistake would be corrected within XXXX business days. I received another statement. This time for {$51.00}. On XX/XX/2015 I called and asked for a Manager. This time I spoke to XXXX. She indicated she would " make sure it is taken care of today. '' She was going to send it to the appropriate department to get it done. Well, I have just received another Statement for the {$49.00} and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NC).
Issue: Money was not available when promised

Complaint: Western union.     Transferred made o n  XX/XX/XXXX  f or {$1500.00}   XXXX  . When transaction was made it showed it should ta ke 3 workin g days for receiver to get the funds.     Upon calling on   XX/XX/XXXX   was told they need some additional information to process the  payment. Information ( ID ) Pro vided on   XX/XX/XXXX .  Received confirmation email from   Western union that funds have been deposited in receivers account.
Contacted Western u  nion numerous times but was told they are investigating and doing there due diligence, received an email today that they are still waiting to hear from the receivers banks ( Almost 22 Days now  ) and i need  to wait without making it clear on how long i have to wait.     Unfortuna tely, we can not provide you with an estimated date for a refund as we are waiting for the receiving bank to provide a response and return the funds Response from western union.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (HI).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/XXXX, additional fees of {$20.00} was charged to my loan account through myloancare.com. Address LOANCARE XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This is when my loan got transferred from XXXX XXXX XXXX XXXX. I have asked loancare several times to remove {$20.00} imposed on my mortgage account. This amount was never reported in any of my statements as fees. Thanks.

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 12/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (OH).
Issue: Fraud or scam

Complaint: I had received XXXX XXXX in XXXX of XXXX that was given to me on Coinbase as part of a XXXX XXXX class. 

In XXXX XXXX XXXX the money was taken from my account. 

Original Wallet XXXX XXXX  XXXX I recently made an inquiry with coinbase and they deleted my history. 

It ended up in this address which seems to be related - XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Commonwealth Financial Systems the accounts are as follows : XXXX, XXXX  and XXXX  : 1.  Commonwealth Financial Date Assigned : XX/XX/2017 2.Commonwealth Finacial Date Assigned : XX/XX/2017 3.Commonwealth Financial Date Assigned : XX/XX/2017 Please be advised that I am disputing these collections due the fact that ; Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Does not currently have a valid license in Florida to collect on debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that Commonwealth Financial System are licensed to collect debts in Florida. 
Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed Chapter XXXX bankruptcy that was discharged in XXXX 2015. I applied for a mortgage loan. They were unable to pull my equifax credit. I sent on three occasions my ss card and drivers license. Once my name was corrected, my credit report obtained information from someone with the same name. I disputed this information. Some has since been deleted but now it us showing public records that was once off. This has caused me great issues with my purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Customer service / Customer relations

Complaint: I paid {$200.00} toward my balance on XXXX XXXX. My due date was XXXX XXXX. After that date passed, I began receiving collection calls stating my account was past due. When I explained that I made my payment early, the representatives kept saying that the payment I made on XXXX XXXX went toward my XXXX balance, even though I already paid -- on time -- in XXXX. They then stated I would need to make ANOTHER a payment for XXXX to get my account current. They claimed there was nothing they could do in their system to apply the XXXX XXXX payment to my XXXX XXXX due date. And even by making the additional payment, there was nothing they could do to make sure my " late payment '' would n't be reported to the collection agencies. On top of everything, each representative I spo to seemed to have no idea what my problem was! They could n't understand that my payment on XXXX XXXX was an EARLY payment for XXXX XXXX. Whether it was due to a language barrier or sheer incompetence, the company line of " I ca n't do this, that 's not possible, nothing can be done '', XXXX, is terrible customer service. Try being more solution-oriented and stop treating paying customers like criminals by sending them to collections. How dare you treat me that way and then have the audacity to charge me an additional payment forcefully so I would avoid having a ding on my credit report. 
As of today, my credit report now shows that I was over my balance limit. It went over balance due to a late-charge fee, which they then removed. The over-balance information is now currently wrong, but it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: Starting about a month ago Bank of America started charging my account a long succession of insufficient funds fees of {$35.00} each. They charged me XXXX fees for a total of {$730.00}, the last XXXX on XXXX first. I did n't notice it for about the first two weeks because I knew I had a low balance and I had n't written any checks and I had n't used my debit card. It turns out that my XXXX account was submitting requests for payments of very small amounts between {$3.00} and {$5.00}. They submitted these requests four or more times each for XXXX or XXXX small amounts. By the time I discovered it, Bank of America had already charged more than {$500.00} ( negative ) to my account. By then it was too late for me to do anything about it. Just to compound it they also charged me XXXX or XXXX " extended overdrawn balance '' fees. When I called and spoke with a representative they said that there was no policy limiting the number of fees they could charge an account over a period of time. They did agree to refund XXXX fees ( a total of {$170.00} ) because that was the most they could refund in a given year. 

Bank of America has taken {$530.00} of my money. I receive a social security check by direct deposit on the third of every month. I contacted XXXX about ten days in advance but they said it was too late to change the destination of my check. So Bank of America has taken well over half of my social security check and I have no idea how I 'm going to pay my bills this month. If I had done some kind of damage to them I might be able to understand it but it costs them nothing and they take the fees because they can. I am at my wits ' end. 
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