milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX and my brother 's being XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue 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 non-monetary relief
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: * Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my Home Depot  ( Citi Bank ) credit   card.   I made  three  payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was to ld Citi Ba nk had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  XXXX   XXXX  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacte d Citi Ba nk but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  Citi B ank.     In  XXXX   XXXX  I contacted both  XXXX   XXXX  and  Citi  Bank.  XXXX   XXXX  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance . Citi sa id the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth w ith Citi Ba nk and  XXXX   XXXX  since  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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called Equifax credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XXXX report. ( Bankruptcy dischargedXXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on credit reports ; and as evidenced, it had not shown up on the XXXX report. At first the response from the CSR was a type of circular and dismissive explaination, which led nowhere. when I questioned what they were saying, they finally stated directly that I was lying. A similar conversation ensued with XXXX, as there appeares to be the same clear mistake on their report as well. Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner. I have to say that XXXX is the most professional to speak with of the XXXX, but I am uncertain of their documentation. Please note the following : Reposseison of vehicle XX/XX/XXXX. Filed bankruptcy XX/XX/XXXX. Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy. Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues. I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time. Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my Transunion accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/XXXX, 2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3900.00}

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 10/21/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Managing the loan or lease

Complaint: I have sent Honda financial services several certified letters. First letter was not signed for and usps stated " business closed ''. I called AHF and representative gave me another address. Sent certified letter there and have signature dated XX/XX/2016. After 30 days AHF did not mark my credit reports as being disputed as required by the FCRA. I have sent a third certified letter on XX/XX/2016 to same address as second letter but it is now also being returned as " business closed ''. AHF is in violation of the FCRA and i want the accounts removed from all of my credit bureaus as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Unexpected or other fees

Complaint: I have an account with Coinbase.Inc a couples months ago and I have transferred some funds from my XXXX XXXX XXXX. 
Basically, with coinbase account you can log in to XXXX ( Company under coinbase ) and I have done a few transaction with both account. 
On XX/XX/XXXX, I tried to log in to my XXXX account and my account got suspended for no reason, there is a message says " ATTENTION REQUIRED! TRADING FUNCTIONALITY HAS BEEN TEMPORARILY SUSPENDED ON YOUR XXXX ACCOUNT.IN ORDERTO RESTORETRADING FUNCTIONALITY, PLEASE CONTACT XXXXXXXXXXXX ''. So I contacted coinbase support team by sending in a support tickets and they reply me an email says that they have received my request and are working on responding asap. Since that I waited for a few business days and still did not see any response, so I call them on XX/XX/XXXX, the representative says that he did not know what is going on and will escalated my case to their subject experts to resolve this issue, and right after that I received an email says that it will take 4 to 5 days to solve this issuse. Since that I did not hear from them anymore and I tried to contact them by sending support ticket and by calling them, the answer i got was to call back some other time due to high volume of calls. 
I have around 20+ thousand USD in the account. 
They have provided me a case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The account was opened XXXX XXXX with XXXX XXXX connect by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XXXX XXXX and i found out after the dissolution was made. The file was sold to XXXX XXXX XXXX and i never received notice that it was in debt of {$720.00} and now being sued

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 11-01-2017 about Debt collection (Other debt) with FIRST CITIZENS BANCSHARES, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX known as XXXX XXXX XX/XX/XXXX opened multi accounts in-store branch -shortly after they were seized and closed down by law enforcement Govt. 

XX/XX/XXXX closed CD dep acct which I did n't fill with funds they did for {$1000.00} dollars in order to rebuild credit they say. Paid monthly XXXX dollars set up arrangements installed. Shortly, after closing bank down which I never received notification that they were closed or seized by the Govt,  XXXX XXXX /XXXX XXXX put the CD dep acct ending XXXX on my all credit bureaus as if owned {$960.00} dollars installed. Not true, after which, received a letter about no longer obligated to acct as it is closed no further action needed and received a XXXX credit on the same acct. Online shows bal XXXX cents XXXXX-17 therefore, making a tremendous dropped in my credit score of 143 points down from XXXX to XXXX unable and denied credit and apt housing when needed XXXX XXXX XXXX. Called spk to mgt yesterday said they will notify XXXX and all bureau o this fact and correct info.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I left a company, and several months later a collection agency contacted me stating that I owed {$26000.00}. After several months and years of contact, no contact, could n't figure out where the debt sat, I was served with a lawsuit in XXXX XXXX. However, I hired a lawyer, he demanded verification of the debt. When we received that, it was a man made excel spreadsheet with many many errors, including duplicate charges with different amounts, overlapping charges, as well as the amounts did not sync with their claims. It was eventually taken before a judge and the judge dismissed the claim in CA court. Now the statutes of limitation has ran out, but they refuse to take it off of my credit report ( they said in XXXX XXXX it was n't on there, but it has been there since XXXX XXXX. ) They keep telling the reporting agencies that instead of resolving this, I need to call them. However, the contact uses very threatening and intimidating language and tactics and I am not comfortable doing so. Even my lawyer was shocked at how aggressive and threatening he was. 
Also, they accessed my credit report without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit report in XXXX 2016, and noticed a collection account from IC Systems in the amount of XXXX, I have since found out that they are stating I owe for XXXX, I explained to them that I have never had an XXXX account and would like it removed from my credit report, I was never contacted by anyone in regards to this supposed account, and since the request I have not heard anything either. I have sent XXXX letters as well as emailed the company directly with no response.

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 05/20/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Problems when you are unable to pay

Complaint: I sent a financial hardship letter to Capital One Corporate Office on XXXX XXXX, 2015. At that time, my balance was {$1400.00}. This includes late fees and interested. XXXX XXXX responded from the office of the President on XXXX XXXX, 2015. I spoke with him over the phone as well. XXXX XXXX placed my account into their repossession department, froze my access to my account online, which does not allow me to view the payments that are being applied to my account. In his letter, the balance that I was told was past due is {$1700.00}. On XXXX XXXX, XXXX XXXX also told me that my loan was too new to do anything, plus the value of the vehicle was not worth enough to work with me on lowering the interest or the payments. When I contacted the number that he provided, I was told that my balance was {$1900.00}, and that my loan was suspended. In order to prevent the vehicle from being repossessed, I had to pay a settlement amount of {$440.00}. I paid this amount, and asked what was the remaining balance. They could not provide an immediate response. Each time I contact Capital One, the balance is going up, and they are not applying my payments! I am being taken by interest and late fees. I spoke to an XXXX over the phone this past Thursday, I made a payment plan with her, however, she refused to provide anything in writing showing what has been paid, what is owed, and what is charged. She did say that she is forwarding the payments that I have made to the appropriate department to make sure that they are being applied. My payment history is as follows : XXXX/XXXX/15 {$440.00}, XXXX/XXXX/15 {$300.00}, XXXX/XXXX/15 {$370.00}, XXXX/XXXX/15 {$650.00}. Currently, I have paid Capital One {$1700.00}! It is astounding how I still owe them {$150.00} from now until XXXX! Where is all this money going? Why do they keep going up on my balance? This is the most awful company that I have EVER had to deal with. They are leeches to the core! I would recommend them to no one. I am waiting for the day to not have to do business with them, but meanwhile, I am doing the best that I can to repair and maintain my already damaged credit. I need straight answers from them now, or, I will have to see legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with Radius Global Solutions LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid on   X/XX/2016    . We have provided bank records with explicit description of payment to   Central Credit Services-   CHECKCARD  XXXX    CENTRAL CREDIT SERVICES    XXXX  MO, {$420.00}.      Central Credit Services-  specifically,  XXXX   XXXX   ,  Chief Compliance Officer- received our documentation and responded by telling me they could not locate the payment that my bank records show as paid to them. I called in response and  XXXX   XXXX  - c ollections supervisor- told me I must call with a banker online to give them an authorization number. We called multiple times with banker online and the calls were not answered nor were the voice mails returned. I had my banker deploy a 'tracer ' on payment and email results to email address requested by  XXXX   XXXX  . I have heard nothing in response.

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 06/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My account was hacked, I could see where money was moved around, insuffient funds were reversed, and items that was paid was reversed. The Chase Bank said that I owed them {$3000.00} plus dollars, I went to the bank two times, they told me on both times that I owed the money, I asked if I could make monthly payments, they told me no, I had my pay check and my social security checks going to the bank, Chase took both my checks, I had to borrow money from a friend to pay my rent so that I would not be homeless. I changed banks after XXXX XXXX, 2017, Chase said I still owe them {$130.00}. I am XXXX years old, it is really said when people can work with a computer and move your money around, very scary.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Other bank product/service) with Alliance Data Card Services (CA).
Issue: Account opening, closing, or management

Complaint: Received a letter from Comenity Bank advising me they did not have enough information to complete my credit card application for XXXX XXXX ( Retail store ). They also quoted my credit score in the letter. I have never heard of Comenity Bank nor have I ever shopped in a store by the name of XXXX XXXX. When I called them to let them know this is a fraudulent application they said unless I provided my DOB and SSN # they could not assist me. 
I want the inquiry removed from my credit. My real concern is about the bank and their practices. Who are they, where are they?? The letter has a reference number on it, why do they need my personal and confidential information to take a fraud report? They must know who I am they mailed the letter to the correct address ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TN).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My vehicle is finance d with Ally Financial. I received a call from Ally Financial   XXXX   XXXX ,    2017  stating they had issued a repossession order for my car because of the other charges on the account for the repossession fee. My vehicle has never been repossesse d Ally added those fees to my account and I do n't owe them. I would appreciate your assistance with resolving this matter. I 've been harassed by Ally  every since I 've purchased this vehicle. Ally does n't mail me a monthly statements reflecting my monthly payments and the balance of my loan. I need to know what the loan balance is and a statement reflecting my payments being posted to my account 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 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Discover send me a lot of letters offering me the Discover It credit card the last offer I was offered a 14 month 0 apr on opening the account perfect they gave me that but it says on the offer after that APR will be 13.24 % -16.24 % based on creditworthiness but ended up having a 21.74 % APR after the 14 months. I called 2 times explaining that no luck wrote to them they told me that is the lowest APR they can gime me. So why did they did send me multiple offers for a lower APR and then when I opened the account they gave me a one not near what I was offered. That it 's just false advertising they lie to the clients then when they have you on their hands everything changes.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problems caused by my funds being low

Complaint: I received my direct deposit on XXXX/XXXX/16, the amount was {$610.00}. I also deposited {$9.00} same day after that direct deposit from my XXXX account. The {$9.00} posted XXXX/XXXX/16, in order, it was sequenced and shown as right after the {$610.00} deposit. 

I went to Wells Fargo on XXXX/XXXX/16 and withdrew {$350.00} cash from a teller inside the bank. After this, I did not have a negative balance. Next, a telephone payment from XXXX XXXX XXXX I set up posted to account and shown as deducted on XXXX/XXXX/16, in the amount of {$140.00}. My account was not negative, I had enough money / available balance to cover that. When I logged into online banking it showed in order, right after the cash withdrawal on XXXX/XXXX/16, same day. 

On XXXX/XXXX/16 my other job 's direct deposit of {$910.00} came in and was part of my available balance. I went to the bank and saw a teller and withdrew {$830.00} cash of that. My account was not negative. After the withdrawal approx. {$50.00} was the available balance. 

Yesterday on XXXX/XXXX/16 I logged into online banking and saw my balance was negative, - {$24.00}. I allowed XXXX XXXX Bank to process a bank account payment of {$50.00} on XXXX/XXXX/16. 

But, Wells Fargo said the overdraft is from XXXX XXXX XXXX payment of {$140.00} and charged me a {$35.00} overdraft fee. I looked at the order of transactions and the only logical explanation is that they are re-ordering transactions to justify that, just off the simple chronological order of my transactions it is impossible that payment would cause this overdraft. That is unacceptable! 

Before I filled out this What happened? section of my complaint i logged into online banking again to review and I see I have now been charged another {$35.00} overdraft fee for the {$50.00} XXXX XXXX payment. But, online banking shows a deposit of {$34.00} from Well Fargo & Co Pln Pymt right after the aforementioned {$910.00} deposit, then a withdrawal of {$830.00}, next the {$50.00} XXXX XXXX payment, and lastly the {$35.00} XXXX XXXX overdraft fee. 

My current balance is - {$60.00}. 

Yesterday, when I decided to submit a complaint it was because they were re-ordering the transactions not in their true order to justify the {$35.00} overdraft fee for my XXXX XXXX XXXX payment. Instead, now I am including the second {$35.00} overdraft fee for the XXXX XXXX payment as they are grossly and blatantly trying to manipulate my account for {$70.00}, I do not appreciate that. 

I would never challenge a legitimate fee, and I ca n't believe that Wells Fargo would move my transactions around out-of-order versus the daily balance that they provide me! Just to get fees for themselves! Please help. 

Feel free to contact me with any questions / if you need clarification.

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