milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Credit card () with JPMORGAN CHASE & CO. (AR).
Issue: Customer service / Customer relations

Complaint: Good morning, I added my husband as an authori zed user on two of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his credit score, and as we pay off bills the records of these two card s remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Customer service / Customer relations

Complaint: For the second time in a whole I had my HSBC Mastercard cloned and the bank is going to replace the card. The problem I see is that for verification purposes, they ask ton of questions but for the people who used the card more than once, they ask no question. They should improve the card security questions to avoid fraud over and over. Then you call to request a dispute, and they want you to give them specific information from last statement with amount and date. I do n't even print statements nowadays to save paper, and the Call Center wants you to tell them by the cent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Payment to acct not credited

Complaint: Lender us still reporting on credit report although loan was paid. Date reported on the credit for last payment date is listed incorrectly as XXXX/XXXX/2015 representative agrrededto delete trade line once account was paid to XXXX. Item remains without itemized explanation.

Company response to consumer: Closed
Consumer complaint received 08/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (IL).
Issue: Was approved for a loan, but didn't receive the money

Complaint: I applied for a loan and was approved. After verifying my information and checking my credit etc. I was told on the phone that the process was complete and I should be receiving my money soon, I also received an email right after that indicating that the money was sent and should be in my account within a day or two. This was FridayXX/XX/XXXX.
By Tuesday XX/XX/XXXXI still had n't received the money and when I logged into my account there was no indication I had ever even applied for a loan, so I called their number to talk to someone to figure out what was going on since I was planning on having that money and it had n't shown up ... The phone call with the customer rep lasted about 30 seconds after which I was told there was no loan that was approved, they did n't know why I would have gotten that e-mail indicating funds were sent, and then she hung up on me. After looking into the company more I see this is a common occurring theme with them, they approve your loan ( while running your credit, collecting sensitive information, etc. ) and then completely ignore you when you follow up on it. At this point my checking account is now negative because I received confirmation that the loan funds were sent and they never showed. I would advise everyone to stay away from this company because you 'll only make your situation worse. To take advantage of people who are already facing financial hardship is appalling. I 'm also worried they will still take out the loan repayment now, because it seems like how they make their money is preying on people who ca n't afford to fight back. Attached are copies of the confirmation I was being sent funds and that it was finalized ( it literally says " they 're on the way '' ), the overdrafts in my checking account from bills scheduled I was planning on being able to pay ( and there will probably be more, because of them ), and the view of my account when I sign in showing absolutely nothing other than an " APPLY FOR A LOAN '' button.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with Experian Information Solutions Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I looked at my credit report recently and found a collection account to my surprise. 

The following account IS NOT MINE and HAS NEVER BEEN VERIFIED!!!! 

XXXX XXXX / # XXXX I need to know who is responsible for this and why they are showing up on my Experian Credit Report? 

Also - I need signed proof of anything dealing with this " so-called '' debt!! 

THAT INCLUDES QUIT CLAIM LANGUAGE To verifying any legal proof of me owing this debt!

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 08/18/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a call from EOS CCA in regards to a delinq tax bill. I answered and no one said anything, when i returned the call on XXXX at approx XXXX I spoke with XXXX. i was a little skeptical per not receiving anything notifying me of the debt that has been owed for XXXX years and when returned call she answered as though she had called me after finishing her conversation ( I 'm guessing with another rep ) she was very sarcastic and condescending. I agreed to pay after verifying was a legitimate company and asking numerous questions. I specifically asked more than once if payment can be post dated on a debit card and that the payment was set for the XXXX of XXXX she kept saying that is correct. ( The call really needs to be reviewed ) I instantly received notification that the funds had been debited immediately. I obviously returned the call and spoke with a supervisor that advised I would need to send in proof payment was made after he verified the debit payment was made and was noted in the system was supposed to be debited out on XXXX ... needless to say I was very upset by this he stated he would contact the MO dept to verify and contact me back. I have yet to receive a response and know my rights have been violated per the FDCPA b/c I did NOT authorize the payment to be debited from my acct on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with U.S. BANCORP (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My brother suffered a massive XXXX on XXXX/XXXX/XXXX. His ex-wife added herself to his checking account without consent from him. I am his sister and I became POA on XXXX/XXXX/XXXX. As I was going over all his financial and personal business, I discovered she had spent from his checking account {$140000.00} over a three year period. I visited the branch on XXXX XXXX where the branch manager name is XXXX XXXX. Once he gave me a copy of all the transactions, I questioned the transactions and he responded I need to get an attorney. I did XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Attorney at Law. XXXX XXXX sent several inquiries with no result. I then contacted XXXX XXXX, the President of US Bank, on XXXX/XXXX/XXXX. He sent me a text to my cell phone to let me know " the situation is being investigated and we have turned over items to your attorney. I can check but not sure what all I can do locally its now in hands of your attorney and our legal ''. As of date, I nor my attorney have received such information. My brother has served 25 years in the XXXX and he entrusted US Bank with his retirement funds. He has been in a XXXX home for 3.5 years, and I just purchased him a home in XXXX Indiana. He needs his money now so he can try to live a normal life once again. What I want US Bank to do is put in writing how they protected my brother 's checking account according to their US Bank Protects listed below : U.S. Bank Protects You Your protection is the highest priority for us. Our state-of-the-art tools and monitoring system ensure your identityis safe. Verification : when you change an address, for example, we request specific information about you to verify your identity before making any changes. Account monitoring : irregular account activity ( check orders, address changes, heavy withdrawals ) prompts a phone call for confirmation. Fraud detection : we have account-monitoring tools that recognize ID theft. We regularly receive information about known fraudulent addresses and phone numbers, and we compare them to new account requests and account changes. Communication : we contact you regarding any suspicious activity associated with your U.S.Bank account ( s ) I will forward all my correspondence upon request as there are too many to upload. 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 10/17/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I resided at XXXX XXXX XXXX from XXXX XXXX to XXXX of XXXX is when I moved to XXXX Texas. The property manager for this location at the time name was XXXX XXXX. 

According to the company 's move out policy I did everything in compliance with supporting documentation that I was supposed to do ( Gave my notice for moving, Removed items from the Townhomes, cleaned the unit ect ). The property manager had on site grounds keeper that did the walk around with me and took photos of the unit. The documentation was supposedly given to XXXX XXXX in spite of the fact she still kept my deposit that was owed to me and falsely reported that the unit was in a terrible condition when I moved out. I moved out on Friday the XXXX of XXXX XXXX and another family moved in on Monday XXXX the XXXX XXXX. I was not able to come back to Minnesota to contest the accusations because myself being a single mother and moving to another state was impossible task financially, the property manager was aware of this at that time. However, I have attempted to contact the company directly numerous of times and on different occasions to take care of this issue. I kept getting the run around by the staff of XXXX XXXX XXXX because I did n't know the proper steps file with the false claim that the property manager made and yet not a positive response. 
I 'm asking for a someone to please look into this matter regarding the false claim that the property manager made and please let me know what I need to do to take care of the situation.

Thanks, A Very Concerned Petitioner

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 11-03-2017 about Debt collection (Credit card debt) with Aldridge Pite Haan, LLP (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The law firm Aldridge Pite Haan , LLP has been assigned a debt for collection by XXXX XXXX which represents the merchant 's ongoing efforts to help the State of Florida to retaliate against me for calling attention to the federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, embodied by HUD through the absence of any provision for HUD rules to be adjudicated in Federal Court or for county judges to be required to recuse from any landlord-tenant disputes involving HUD rules within any municipalities wherein HUD Programs are not fully privatized, because of the automatic financial ties county judges have to any landlords participating in HUD Programs within those municipalities -- especially given that county judges are not actually qualified or even authorized to rule on Federal issues. Note in the attached Complaints that XXXX XXXX refused to even forward my XXXX XXXX dispute from last year to the merchant, subsequent to failing to uphold my dispute against the XXXX XXXX XXXX a few months prior, wherein I had detailed my efforts to address the aforementioned federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, instigated at the insistence of the authorities in the Southeastern portion of the country -- on behalf of Southern-based businesses, such as XXXX XXXX -- that Democracy must never amount to anything more than a subterfuge necessary to extend the influence of XXXX Oligarchy.

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 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I responded to an email offer for a   XXXX   XXXX   XXXX ,  the email offer clearly stated that there was not an annual fee for the card.     However, they are billing me {$99.00} in installment fee 's for the annual fee, that I was advised I would not have.     I called the presidents office for  XXXX  cards and spoke with  XXXX   XXXX  ext  XXXX  she advised me she would check in to it and call me back on Monday  XXXX / XXXX /  XXXX   Her call was never received, and I have not been able to reach her 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 11/16/2016 about Consumer Loan (Vehicle loan) with AFS ACCEPTANCE, LLC (AZ).
Issue: Managing the loan or lease

Complaint: I purchased a car from AFS Acceptance approximately 2 years ago. After numerous conversations with them and some unethical statements said to me by their retention " specialists '' I chose to do a voluntary repossession. The account has been closed and they have done a " charge off '' on the account. However, I keep getting credit reports that they are continuing to increase the amount of the past due balance even though 1. I do n't have the vehicle, and 2. I 'm sure they sold the car and got something for it at auction. I never received anything from them after they took possession of the vehicle stating that they sold it and how much they got for it and how much do I truly owe on the account. This type of company needs to make sure that they get their information corrected.

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 07/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a CitiGold checking account with CitiBank under their XXXX XXXX XXXX promotion where I would get XXXX XXXX miles deposited into my account after completing a short list of requirements. I completed those requirements within the allotted time frame and called customer service several times to confirm that I qualified to receive the promotion. Each time they told me they 'd look into the issue and update me with an email. That has not happened despite multiple calls. I 've read up on this online and apparently other people have been having the same issues with CitiBank not honoring their promotion.

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 11/30/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Upon beginning classes through the XXXX XXXX XXXX " XXXX '' XXXX, I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX XXXX XXXX ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a XXXX student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account Service, LLC from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, XXXX XXXX XXXX. XXXX XXXX a ) ), XXXX and the XXXX XXXX for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other transaction problem

Complaint: The situation is detailed below. 

On XXXX XXXX, I bought 2 XXXX for {$640.00}. This money was charged to my bank account XXXX XXXX Bank XXXX on XXXX XXXX and XXXX XXXX. I started a conversation with XXXX XXXX XXXX XXXX on XXXX XXXX, with her first responding on XXXX XXXX. After not getting resolution to the situation, I filed a chargeback for the double charge through XXXX on XXXX XXXX. I immediately received a credit on my account for the amount that was double charged. 

On XXXX XXXX, my Coinbase account was locked from buying/selling/transferring and a message was placed on the homepage that I needed to make a payment to unlock my account to repay the {$640.00} chargeback. 

Due to the fact that I have significant assets in Coinbase, I attempted to unlock my account with a credit card payment on XXXX XXXX, only to be able to access my account while the situation was further looked into. I was unaware that the chargeback would lock my account and I needed access to be able to buy/sell/trade my account. 

Unfortunately the credit card payment was denied by the bank, and therefore my account was not opened. 

Now, on the front page of Coinbase it says that I owe an amount of {$0.00}, and that until I pay that amount I will not be able to buy/sell/trade. Currently, no payment options will go through to open my account. Therefore my account is locked until this chargeback which was completely legitimate is 'paid back '. 

I have provided XXXX with the screenshots of the double charge through XXXX, which is the only documentation that has been asked for so far, and I will attach them here. 

I have also provided here a search from my purchases on each of my accounts showing that only XXXX purchase was made of {$640.00} and this was for 2XXXX on XXXX XXXX. 

Thank you for understanding my concern regarding this matter and your urgent attention to opening my account which is in good standing. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (ID).
Issue: Loan modification,collection,foreclosure

Complaint: We fell behind on our mortgage payment. When we tried to catch up they refused payments saying we owed more and more. They put a foreclosure sale date as XXXX XXXX 2016. We learned they obtained our loan illegally thru a computer system. We also have tried to get a Loan Modification, which we have never had. All we get in response is that we have sent in the correct paystubs, or not the correct proof of residency. Then they stop trying for that loan modification, and I had to resend all the paperwork. Which I did and we are still being put off, it takes 5 days for them to be able to tell me if I have the correct documents or not. They are trying to push this out so we have no choice but to lose our home. I can not get a single point of contact within the company. No emails or phone calls are ever sent out, for anything other than one saying my statement is ready. We are at a total loss as what to do, we are now thinking a bankruptcy might be the only thing to save us.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Insurance Company, XXXX XXXX, increased our auto policy due to no credit rating for me but did have credit rating for my wife, but it lowered our credit score. 
Checking with XXXX XXXX ( contract firm who collects credit data for ins. co. ) they supplied me with a listing of the information they received from Equifax, the credit reporting company they use to provide info to the insurance company and said any corrections would have to come from Equifax. The report has indicated that along with my personal credit record, they include an entry for one XXXX XXXX XXXX, XXXX with a SS # that is almost identical to mine except for XXXX ( XXXX ) digit, XXXX instead of XXXX AND XXXX XXXX is now deceased. The record shows my address I have had for 24 years and his former address was in Florida but they added my address instead. I tried to resolve this with Equifax twice and each time I was directed to request a copy of my credit report from them again and submit more copies but each request got only another form letter asking for more information to be submitted. The last request I sent ( third time ) I included copies of my birth cert., social security card, XXXX copy, drivers license, XXXX utility bills with my address ( even after my supposed death ), and still got the infamous form letter for more of the same information to be submitted. I feel this is a clerical error on someone 's part adding the incorrect information to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Wells Fargo {$750.00} claimed debt that I owe. I believe they discharged it but it is negatively affecting my credit report and I need it to buy a new home

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