milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: An account was deleted and my score went up but then a week later the same account was re-added and brought my score down 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 explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Recurring checking account deduction which have not been authorized since  XXXX  of {$21.00} being paid to   XXXX    XXXX . My wife and I have not authorised this type of transaction.

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 10-05-2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Inaccurate information report to FHA on an account that is not mine. I 'm contacting you in reference to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My exhusband was awarded this property in our divorce. He did not refinance the house out of my name so I was filed for a Chapter XXXX in XXXX, quitclaimed the property to him and divested all interests in the property. Apparently in XXXX my ex let the proper go via foreclosure and a deed in lieu was signed by him and recorded in XXXX XXXX. I purchased a new home in XXXX and last month I attempted to refinance my home and was told by the lender that an alert was placed in the FHA XXXX system stating that I had a property foreclosed on and that it made me unavailable to refinance under FHA for 3 years. This property belonged to my ex and I should in no way be harmed behind it. I was told I 'm held liable too but that its impossible as I did not sign off on the deed in lieu of foreclosure therefore invalidating the deed. I was told I did n't have to sign papers since the property was given to my ex in the divorce. It can be XXXX statues to adhere to. Either its mine too or its not. If my signature was needed and was never obtained then the deed in lieu is not valid. I ca n't be penalized with him along with his property as it is not mine. I want Bayview to send information to FHA XXXX and have the erroneous information deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I spent 4 1/2 hours at Best buy buying t.v., speakers, phone accessories etc., I was physically and mentally exhausted and at check out the young clerk asked if I had a Best buy credit card. I said no, he said I could get 10 % cash back. There was a sign with a big 10 % on it at the check out and with the amount I was spending, that would be a sizable rebate. 40 to 60 minutes later, I still had n't seen any information on the credit card ( they were having computer problems and even an area supervisor was involved ), I am XXXX XXXX XXXX and 5 to 6 hours was taking it 's toll. If they had given me the credit card pamphlet, it would n't have gone this far. I would have said no deal. I have never had a credit card that charges an annual fee, NEVER. I had the money to pay by myself, the first time I even touched the pamphlet was when they finally got a pc working ( 4th one ) and the young clerk said to read the numbers and letters for the code for my 10 % to the person on the phone. All this and I had to return the next day for my t.v., as it was not in stock. That day the '' helpful '' clerk avoided me like I had the plague. I had n't yet looked at the credit card pamphlet, I needed assistance with the speakers he sold me and some additional parts. He wanted NOTHING to do with me. Within two weeks, I had returned almost everything and I told the returns clerk to payoff and close that Best buy credit card. Having no confidence in them I checked with Citibank who handles the Best buy card and no, nothing had been applied to that card. I checked with my bank and all monies had been applied to my card with them ( I had to use my card along with Bestbuy 's to cover the purchase ). I called Citibank again, told them to cancel card ( Bestbuy did n't apply money to or close the account ), woman on phone wanted to know why ... I told her I have never had an annual fee credit card, or one that charges 27 % -29 % apr ; she wanted to try to lower annual fee, I said no I will never pay a credit card annual fee. I paid off the amount I had put on the best buy card and she said that 's it, it 's closed. Now I am receiving a bill for the {$60.00} annual fee ( minus a {$6.00} return or whatever ) but with an additional {$27.00} late fee! Now another {$27.00} is about to be added as my health has kept me from mentally/physically being up to pursuing this issue. Where is my 10 %??? They could have cleared the board, by applying that to card balance. Remember I did n't have the card a month. Finally read the ultra fine print, not cash back like clerk said, but Best buy rewards. I am never going back to best buy except if t.v. needs repair, as the returns clerk did n't know how to cancel/refund for extended warranty. Duh, ask someone! And yes, t.v. has problems.

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 06-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Money was not available when promised

Complaint: I has submitted a complaint abo ut   XXXX   XXXX   XXXX   (   XXXX  ) a few weeks ag o Complaint  #  XXXX . I faxed in a request to change the bank account my contribution for my IRA was withdrawn from. Only the account was changing, the amount was to stay the same. The update form was faxed at the end of  XX/XX/XXXX  and would take effect for the contribution on   XX/XX/XXXX  . However  XXXX  attempted to withdraw the money from the wrong account. When I asked why this happened, they claimed it was because they were not sure the amount and defaulted to the account that was previously set up. After this I called my Investment Rep and he sent me the same form I had already sent in, which I returned and  XXXX  was able to correct their mistake.   I received a letter from  Huntington Compliance , where they claim I had requested the withdraw to start with   XX/XX/XXXX  , which is incorrect.  XXXX  made a mistake and while this was eventually corrected, mostly with my pointing out all their errors, this is not acceptable for a large company to make mistakes like this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (UT).
Issue: Wrong amount charged or received

Complaint: On XX/XX/XXXX Coinbase started charging my bank account through my debit card multiple times for old transactions. I was put several hundred dollars in debt and can no longer pay my bills. They refunded some of the charges but not all, and I still have a ludicrous amount of courtesy pay charges thanks to this behavior. This kept happening following the next day and is still happening today.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Payday loan () with Halsted Financial Services, LLC. (CA).
Issue: Received a loan I didn't apply for

Complaint: Someone claims I owe {$790.00} for a payday loan thru XXXX. I have not taken any payday loan from this company and this is the second time someone has reached out to me regarding a balance I owed over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: I filed against Bank of America refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Bank of America within XXXX resident telling to U.S. Senators!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Delinquent account

Complaint: I opened a PayPal Smart Connect ( XXXX ) account XX/XX/XXXX. I made some purchases, but I never received a statement from XXXX until several months later, after the account had already been closed and was in the process of a charge off. In fact, I believe the first correspondence I received on the matter was from the collection agency, which alerted me to the account status. It was extremely difficult to locate any Smart Connect account information on their website at that time in XX/XX/XXXX. It seemed like the website was purposely designed to keep customers from making payments by way of confusion. I was not signed up for paperless billing, so I lost track of the Smart Connect credit line. In retrospect, I wish I had been more proactive in hunting down a way to pay the bill. I was suffering some financial difficulties at the time, but I would have paid at least the minimum monthly bill if I had received statements. By the time I was able to get up with GE/Synchrony to straighten things out, the account had been charged off. The damage had already been done to my credit, so I was frustrated and left the account in limbo for three years. XX/XX/XXXX, I contacted GE/Synchrony to pay the past due balance in full, but they would not accept payment. They subsequently referred me to a third party creditor who had assumed ownership of the debt. I then promptly went and paid the full amount ( {$730.00} ) to the new creditor. Being a loyal customer with XXXX other lines of credit through Synchrony, I contacted them to request removal of the charge off from my report ( since I paid the debt ) on several occasions as a matter of goodwill, but they have refused each time. The continued presence of the charge off on my credit reports is wreaking havoc on my credit and causing me substantial damages in denied credit and increased interest rates. Since Synchrony 's deceptive/faulty billing practices in large part caused the derogatory mark on my credit reports to begin with, I would like the trade line deleted from those reports as soon as possible.

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 07-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Trouble during payment process

Complaint: I have made a prior complaint against my mortgage company for gross mismanagement of my mortgage since its inception. It was not resolved to my satisfaction, although the company was able to gloss over the details with the CFPB so that the case was closed. In XX/XX/XXXX and XX/XX/XXXX, the problem was finally resolved, but with no help from my complaint. It took me screaming and multiple calls to finally resolve the issue. The company, after 8 months of going from department to department, finally completed the paperwork to acknowledge that my mortgage did NOT have an escrow. In the interim, even after submitting my case, they continued to mismanage by suspending my payments because the amount differed from the expected payment ( with escrow ) even though they acknowledged their error with adding the escrow. <P/>In XX/XX/XXXX, I contacted the company and the suspended payment ( for XX/XX/XXXX ) was rescinded, no late fees, no issue to my credit - and they accepted my original loan payment as payment in full. <P/>In XX/XX/XXXX, I 'm starting to get robo calls to call them immediately. After 2 days of calling and returning, they acknowledge that the robo calls are for late payment reminders - but since the calls started on XX/XX/XXXX- I am 9 days from my payment being considered delinquent. They acknowledge their error - that robo call reminders do not go out during the 15 day grace period. <P/>I am alleging that this is retaliation for the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with DCN Holdings Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This was a simple collection issue for our company, which was late with a vendor. Instead of emailing me to set up payments or discuss options, the agency in question obviously visited our website, picked up EVERY single email address on the page and sent a confidential email to EVERYONE in the company!! Bear in mind, this was the FIRST attempt by the company to contact us!!

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 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: some time on or about 2016 American express review my account base on the fact that the score had drop. this is American we do not base customer on a score factor. we as American base people paid performer. so American express drop my credit to XXXX unit I could proven that I could pay my bill on time. so to day we got our income tax retune for our income tax to be payXXXX so my husband just pay it. on a card with a credit line and not think I just used my credit line up and it going drop my score aboutXXXX point so my husband ask me to contact American express and request XXXX increase not think that the score would be low. but I knew that American have my liquid asset on file and my personal finance statement in my file base on a score from XXXX last year. I have never missed any payment any late payment on any of my account. and that we just went through this last year after a score review by American express and we has to fax over our finance record the ref :XXXX USD the agent that was process the request never look at record on file

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to access my experian credit report and a message came on, I could not access my credit report at this time. I placed a fraud alert on my credit reports 2 days ago I 'm not sure if that has anything to do with their refusal to let me access my credit report at experian. 
XXXX sent me a letter declining my request for credit and stated their decision was based on information from an experian credit report, if I ca n't access the report how can I dispute any problems?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: There is a credit card showing up on my credit report which is not mine. I have never taken out a Capital One credit card. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an ongoing billing dispute with XXXX XXXX, that they have never actually acknowledged. XXXX has reported the account in question as a collection record to all three credit bureaus, blatantly disregarding the XXXX. With that matter still under investigation and my lawyer currently pursuing the deletion of this record from my credit reports, I received a collection notice from a XXXX party collection agency on XXXX/XXXX/2015, demanding payment for this same account in the amount of said {$780.00}. It 's essentially 'double jeopardy ' in the credit realm. Considering the express fact that I do NOT owe XXXX XXXX any money at all and the ongoing FTC and legal complaints, it is highly inappropriate for XXXX XXXX to assign this account to yet another third party collection agency. NOT TO MENTION that XXXX XXXX is still attempting to harass me to collect on this same account. This is the XXXX time XXXX has " sold '' this account to another collection agency. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Recently American Expresss closed my account due to discriminatory and retailiatory acts. After I raised the complaint with CFPB and with AMEX, they in turn, closed the account after I requested to be given an opportunity to pay the account over time. Instead, they retailiated against me knowingly. They were welll aware that I submitted a complaint to CFPB and then again to AMEX Presidential Office for resolution. No one attempted to work with me on resolving this debt, based on my request to pay overtime. My mother, was also assigned as the Manager of the Account and they deleted this from the system illegally as well. 

Now based on extenuating financial hardhsip existing with my family and a sibling diagnosed with a XXXX, we are unable to pay this balance in fulll and have suggested to pay {$100.00} per month to this account, until I am able to settle the balance. 

There is no neeed for the assigned Debt Collection Representative, XXXX to make illegal attempts calling 3rd Parties whom he does not have a right, nor was he given their phone numbers. How did obtain phone numbers of other family members illegally. We have also requested that he desist in his maneuvers against these individuals, utilized as a harassing tactic against me! 

Do not call their phones again! 

We will commence paying XXXX/mth this month. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Savings account) with DISCOVER BANK (AL).
Issue: Account opening, closing, or management

Complaint: I opened an online savings account with Discover Bank with the promotion code XXXX, which was to award new savings account customers with {$100.00} if they open a new savings account by XXXX/XXXX/2015 and fund with at least {$15000.00} by XXXX/XXXX/2015. When I entered the promo code in the account application process, it immediately showed the terms of the promotion, so I felt confident it was being applied to my account. I opened the account on XXXX/XXXX/2015, and funded it over {$15000.00} by XXXX/XXXX/2015. However, now that the 30 days has passed since funding ( the specified time frame in which the promotion was to be awarded ), I contacted Discover and they informed me that they had no record of a promotional code being used to open my account. I would not have opened the account, or had the predictable transaction pattern, had I not signed up for this very specific offer which appeared to be successfully applied when I opened the account. They are now saying it will take them 8 weeks to investigate my case, for a promotion that was supposed to have paid out in 4 weeks already. This seems like an extreme amount of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Prosper Marketplace, Inc. (IL).
Issue: Confusing or misleading advertising or marketing

Complaint: I was unemployed for a period of time and accumulated a sum of credit card debt, which I am now paying down after having gained a decent job. However, I regularly receive mailings from several companies that have very imposing-sounding wording, and are misrepresenting the contents of their mails. For instance, their envelopes have " Final Attempt '' in big red lettering, and the front of the mail ( the part that is visible before opening the envelope ) says " pay to the order of '' with my name underneath it. 

These are private entities that I DO NOT owe money to, and to say " Final Attempt '' implies that they have been attempting to contact me for debts that I owe them. 

To write " pay to the order of '' implies that they owe ME money, which they do not. These are just debt consolidation services that are trying to use fear and misdirection to convince me to take out a loan with them. The worst offender by far is Prosper ( https : //www.prosper.com/ ), and I have attached a picture of the most recent letter I received from them below.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Your company cashed checks from the insurance. THIS AUTOMOBILE WAS IN A FLOOD AND TOTALED OUT. Nothing received mentions that. At the time of the sell did you disclose that this automobile was in a flood? I do not agree with this statement says I owe XXXX when I had insurance and the car was deemed totaled out. I need some help

Company response to consumer: Closed with explanation