milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016 XXXXET my balance read {$39.00} on that same day at XXXX ET my balance read {$45.00}, the following day XX/XX/2016 XXXX ET my account read {$200.00} without me depositing any more, I decided to call " Chase '' customer service to get clarity on this fluxing account balance the rep told me that the balance that is being sent to me is yesterdays end of day balance which i do n't understand why would send me a past balance if its not the current up to date.On XX/XX/2016 XXXX ET my balance was - {$42.00} I decided to visit a " Chase '' an speak to the branch Manager. I spoke to the manager about the problem and was explained that a merchant I brought merchdise from took a week to take the funds I replied " I understand that but I called customer Service about my account changing daily, and no one informed me of thats why and let my account go negative thats why I 'm upset '' the Branch Manager responded saying " A lot of out customer have had issues with faulty daily balances '' I decided to close out one of my accounts and withdrew {$4300.00} and left {$100.00} in my other account cause I have my payroll check waiting to be deposit and ask that my debit card still be linked to that account. Only later to find out that my Debit Card was closed out as well. I submitted a compliant to " FDIC '' as well on an issued i have had with " Chase '' while I was working out of the country it was just to lengthly to write here as well but this is another recent issue I have had with " Chase ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15 entered into an agreement to increase monthly payments to cover post-petition negative escrow. Said agreement disappeared. Mortgage company removed negative escrow stating it was PRE petition and filed an incorrect POC in co-borrowers bankruptcy. I have all the documents to prove otherwise. All I want to do is pay the increased amount over 5 years to pay the negative escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CT).
Issue: Struggling to pay mortgage

Complaint: My father XXXX XXXX in XXXX 2017. I am his son and executor of his estate. My father had a home equity loan with Wells Fargo. I alerted Wells Fargo and requested they update their contact information and billing address. Apparently they did not do that and they mailed foreclosure notices to his home. Even after multiple calls and apologies from XXXX they still continued to mail out multiple foreclosure letters one after the other directly to his home address.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other transaction problem

Complaint: Coinbase, a bitcoin exchange, charged my card 5 times for a total of {$410.00}. These were unauthorized transactions that happened over a month ago. Every time i reach out to them they said they can not issue a refund and dont know where my money went. Ive contacted them over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Payday loan) with Crow Creek Sioux Tribe (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have XXXX advocate representing me and they called and sent out XXXX & via us mail to stop calling me & then they started not only calling me but also my work which then XXXX sent them another XXXX & also phoned them to cease but my work got another call from them today I am a home care provider I 'm out in the field I 'm not aloud to receive person calls & such I can lose my job over this and I told them this and yet they still continue. Please help me with this situation, I need my job. 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 explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06/18/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Can't contact lender

Complaint: I initiated contact with the lender to set-up a payment. My account is past due b/c I lost my job, and am unable to make a payment. When I contacted them, I attempted to set-up a payment for Tuesday, XXXX XXXX, 2015, when my unemployment benefits are made available to my account. 

She began harassing me - asking me for the balance of my checking account ; asking me how my account has {$0.00} available instead of a negative balance ; then telling me that i 'm giving her orders. 

Despite my attempts to set-up something to make good on the loan, I was unable to speak with someone who would work to resolve this issue with me. 

I believe harrassment of this type with borrowers is unfair, and that when borrowers who are trying to fulfill their obligations, despite their unfortunate circumstances, should not be subjected to this kind of bashing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I opened a joint auto loan accountwith Wells Fargo ten years ago. They have illegally changed and kept changing the last reporting date and account opening date so they can keep this on my record. They are listed twice on all XXXX of my credit reports with ( XXXX, XXXX, and XXXX ), each hit has different dates of opening and last date of report. This is OLD information and should be verified and removed. Account opened in XXXX 2006. was for 72 months long.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals   office. The items that appear on my credit report as :  1. AC COUNT NAME :   XXXX   XXXX   XXXX   #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2. A CCOUNT NAME :   XXXX   XXXX   XXXX   #   XXXX  ,  XXXX ,  ACC BAL   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.    3.  ACCOUNT NAME :   XXXX   #  XXXX   ACC BAL  {$100.00} This account was  Discharged in b ankruptcy was never updated properly error please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Problems when you are unable to pay

Complaint: I entered a contract with an un named bank when i purchased my 2008 Hyundai Santa Fe. I purchased the automobile at a cost around XXXX The loan then was purchased by Santander without notice until my first bill was recieved. In this time i was going through a very bad divorce and became late with payments. There were also times that I had my vehicle repossessed. I would always pay to get things caught up and tried to make timely payments. Now that i am back on my feet and can make larger payments i have found that I am receiving accrued interest daily and a large amount of unpaid fees and charges. I was never and can never get a answer as to why and where all these charges are coming from. I am trying my best to pay this loan off as fast as i can but with all of these undisclosed charges it is impossible to get ahead. 
Also on my credit report they have placed that my account has been closed and when asked to take it off it still remains. This is very annoying when trying to get other loans and have to explainn why this is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received an unsolicited credit card account from Chase for an Amazon Visa credit card. It took a while but Chase 's fraud area did cancel it. 
Just to add evidence that it was a fraudulent action, the following day I received a letter from Chase saying my request for an Amazon Visa was denied due to 'duplicate request '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Taking out the loan or lease

Complaint: Honda Financials for a leased vehicle confirmed that a payoff payment was received form a 3rd party and that they have validated and processed the payoff. They send me the payoff confirmation, lien release and title. I proceeded to hand over the vehicle to the buyer. 

Honda now tells me that payment was not realized and has opened my account back up again. the buyer has since disappeared and sold the car to a Honda dealer, who is now listing the car for a sale Honda takes NO Ownership and can not explain why they released title without confirming funds were received. I have no way to recover the money nor fight honda in court. the bill i have to pay exceed {$24000.00} How can a financial institution release title without confirming funds. Also they never reached out to me letting me know to hold the car back!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (VA mortgage) with DAS ACQUISITION COMPANY, LLC (MO).
Issue: Application, originator, mortgage broker

Complaint: Went thought USA Morgtage and DAS Acquisition underwriter at the last minute on last wednesday stated I need addition document of employment. My loan officer I have no issuse with its the underwriter of my VA mortgage put me and my family is a really diffucuilt sitution and loss hope and uncertaintly of using this house that the underwriter went though all the stages and getting our hopes ups, and making my family possibility becoming homeless over this sitution. Making our family think we got to pay all these inspections, apperaziles, and other paying all these fees. My finicial coach adivised me to contact you over this issuse. My name is XXXX XXXX my email is XXXXXXXXXXXX and my cell phone # XXXX and my wife name is XXXX XXXX here contact are email XXXXXXXXXXXX and cell is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: FAILED TO VALIDATE DEBT AND WENT ON CREDIT REPORTS IN VIOLATION OF FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is against the company  " JH Portfolio Debt ''.      Currently, they are reporting that I owe them a total of {$430.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. They constantly call to harass me and my family demanding payment but I have no knowledge of why they even want this money from me. They have not provided me with any supporting documents to back up their claims.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, this is the account numbe r I fo und from a recent report : "  XXXX  ''. My report indicates that the account has an " open date '' of  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 01-02-2018 about Money transfer, virtual currency, or money service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Fraud or scam

Complaint: On XX/XX/17 I purchased a money order for XXXX from money gram at XXXX. 
The money order was stolen from the rent office along with multiple other money orders by an unknown person. I called money gram and they informed me that it had been cashed XX/XX/17 and that I needed to prove that it wasnt me who cashed it. They gave me the option of paying XXXX dollars to receive a picture of the check and at what location it was cashed at I agreed. When I got the copy of the money order at the time it was cashed it had been rewritten and my apartments name was no longer on the front of it with No signature on the back. 
Then they told me XXXX XXXX XXXX was the back that cashed the money order but when I went to chase they told me that the account money gram is saying the money order was cashed in does not exist and they are not responsible for cashing the money order .At that point I decided to turn to consumerfinance because Im being lied to and misled my money gram to my knowledge they are suppose to contact the bank the money order was cashed at and ask them to open a fraud investigation but Im left doing everything my self with no help

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (UT).
Issue: Incorrect information on your report

Complaint: Chase is reporting Foreclosure on my credit report as well as reporting late payments after it was paid off. My house did not foreclose. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX  XXXX XXXX  XXXX XXXX  XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I dont and havent ever had a Bank of America Accounts. No Personal or Business Savings, Checking Accounts. No Credit Cards, Home Loans, Car Loans, nor Business Loans. Nor have I ever Co-signed for anyone or applied on behalf of another person for such accounts. Nor have I ever authorized anyone to apply for such accounts or Education Loans for me. Im NOT responsible for payment of such accounts ; not even for my children. Im not and I havent ever been married. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being placed on collections regarding a XXXX fire dept brush clearance fees. I self inspected and submitted an affidavit to XXXX fire which they confirmed. XXXX fire department confirmed i do not owe anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I signed up for a PayPal account through their online portal. At no point did I authorize or give information for a line of credit through PayPal. Without my permission, PayPal did a hard credit inquiry on me and opened a line of credit in my name. I closed the credit line immediately upon realizing, which was extremely difficult to do as PayPal customer services was evasive in my attempts to close the account. I am now left with a hard inquiry on my credit report, and as a young person without longstanding credit, this inquiry is causing a decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Credit card) with Strategic Alliances, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First Financial Asset Management ( XXXX ) called me XXXX XXXX 2016 at XXXX Central time to collect on an alleged debt owed to XXXX Rental Car. I DO NOT OWE THAT DEBT! This concerned a car rental from the XXXX office in XXXX XXXX, CO at the airport XX/XX/XXXX-XX/XX/XXXX and was DISCHARGED BECAUSE THEY WERE ALREADY PAID THROUGH XXXX E-CERTIFICATES ( IN FACT, {$100.00} MORE THAN REQUIRED ). XXXX handled the dispute and credited my account since the e-certificates had paid for the rental.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation