milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An account was opened in my name fraudulently. I was contacted and informed that because I did n't know who open the account, I had to pay the account regardless of it being fraudulent. Otherwise It will ruined my credit. Out of concern I paid the card. The person who open the account in my name confessed, I filled a police report and informed the credit card company. I also provided them with the police report. They stated that because I paid it, they can not do anything about it. I want the information off my credit report as I did not apply for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease

Complaint: Auto pay was supposed to be paused for this month, I spoke with two BMWF reps previously on different occasions, both stated auto pay was or supposed to be paused for this month and next month, continuing for the month of XXXX. However, a payment in the amount of XXXX was taken out today, XXXX, which caused me an overdraft fee in the amount of XXXX and was paid. The item was placed in dispute since I was told auto pay was paused previously, as stated before. The item is overdrawing my account and needs to be credited back, hence the dispute. I am paid up until XXXX, even without payment posting.. A rep by the name of XXXX stated he could look into crediting any fees associated with the payment taken from my account, the attach screen shot shows the two overdraft fees pending currently, in the amount of XXXX total, labeled at debit card authorization. I need XXXX credited back ASAP as well as payment in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: I have been a user of Coinbase.com for many years, mainly buying / investing in cryptocurrency Bitcoin, Ether, and Litecoin. Since week of XXXX/XXXX/XXXX I started selling Bitcoin, of which I had no problems with an initial sale of my weekly limit of {$50000.00}. I processed an additional transaction week of XXXX/XXXX/XXXX of another {$11000.00} sale. 

Starting on Monday XXXX/XXXX/XXXX when trying to process a final sale of about {$10000.00} or XXXX Bitcoin the website ( www.coinbase.com ) began asking me for an ID verification. They required front and back photographs of my US Government issued Driver 's license. I had plenty of my weekly limit of sales available and this was a new requirement from the website ( www.coinbase.com ). 

I attempted several times on XXXX/XXXX/XXXX to upload my ID and each time it failed due to photos not being clear enough. On Tuesday XXXX/XXXX/XXXX I took high resolution digital photos of my ID and attempted to upload to www.coinbase.com. This time the server would " timeout '' after 30 mins of waiting. 

Still unable to sell my final XXXX Bitcoin, I attempted to upload the photos of my ID on XXXX/XXXX/XXXX XXXX times. Then I filed a support ticket with www.coinbase.com. I received nothing but a automated response to this support ticket. 

Still unable to sell my final XXXX Bitcoin, on XXXX/XXXX/XXXX after another 6-8 attempts to upload an ID. I submitted an additional support ticket to www.coinbase.com. I received an automated response as follows : " Thanks for writing in. We understand a large percentage of ID verification requests were not completing successfully. Our team has made improvements to this service today to increase performance. If youre still having trouble completing ID verification, we recommend trying again in 24 hours.

We apologize for any convenience this may be causing. Please check our status page for the latest updates : https : //status.coinbase.com/ Thank you for choosing Coinbase. '' Access to a digital currency that fluctuates 10-20+ % / day can be the difference of thousand of dollars. Or the digital currency could go to {$0.00} and I can not have access to the money in a reasonable period of time.

As I am writing this complaint, www.coinbase.com is down for maintenance claiming " ID Verification not working '' " High Traffic '' " BTC Delays ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is not a duplicate complaint. In a prior complaint, USAA inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. USAA responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, USAA is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to XXXX. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX.
XXXX 's system does not allow me to dispute this issue since I disputed it the first time this occurred and XXXX thinks this is a duplicative dispute, which it is not. USAA previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for USAA, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at USAA that affects numerous consumers besides myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Almost a year ago I received a call from a student loan consolidation company called Fedloan servicing. They told me that they would be able to assist me in consolidating my loans lowering my payments and removing my interest rates. My loans combined were like at {$16000.00} with XXXX XXXX who was the original lender. Fed loan servicing told me they would lower my payment to {$9000.00}, and all I would have to do is get on an automatic payment plan with them and show them my recent tax returns. My loans were in deferment at the time of their offer, seeing that my loan was going to get cut in half and I was planning on returning to school as soon as I was able to make a cash payment to the school I had previously attended to get my transcripts released. So I went ahead and signed up with Fed loan servicing thinking that they would alleviate the burden of the interest accumulating. So now here I am I was able to get my transcripts released and I transferred to a community college. I come to find out that Fed loan servicing has been taking out subsidized and unsubsidized loans without my consent. My loans are up to {$18000.00} now in repayment. I never was made aware that this company would be using up my student loan money. inclusively they changed all my information on the FAFSA website with an email address that I was never made aware of. I am enraged, this is an injustice, I never approved of them using my student loan money. Please help me.I mean is it even legal for them to be signing promissory notes on behalf of me without my knowledge and consent? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt appeared on my credit report over a year ago. I was able to get it removed from my XXXX Report, but not from my XXXX or XXXX. The debt does not belong to me, it is reported to be from XXXX, which I have never had an account with that went overdue. The only XXXX account I have ever had was closed back in 2012 and was in good standing. I was never notified by XXXX about any debts that I owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I received a packet from Chase Home Finance stating that they were part of a class action lawsuit and I had been approved in the past for a loan modification. As part of the lawsuit, Chase was required to offer assistance to see if there was anything else they could have done for us. So I submitted the application and they placed me on a two month forbearance for XXXX and XX/XX/XXXX. My mortgage was current prior to submitting the documents. They placed me on a two month forbearance to better my situation, not realizing all those payments would be due and payable XX/XX/XXXX. I work in education, a forbearance to me is a stop of all payments and they added at the end of the loan. So I applied for another modification to get assistance with the two months I am now behind, to be told they can only offer me a short sale of my mortgage. I am so upset. Now I have maxed out all of my credit cards and over {$100.00} in XXXX XXXX fees just to get my mortgage current.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: On Thursday XXXX/XXXX/17, I deposited {$8600.00} into a Wells Fargo account for a job, not knowing that it was all a part of a job scam involving fraudulent transactions and counterfeit checks. On Saturday XXXX/XXXX/17, I visited the same bank where I made a deposit, informed a banker of my situation, opened a new checkings account and had my banker file a claim in order to retrieve the funds. After all this, the account where the funds were sent was blocked and Wells Fargo would begin conducting an investigation which would lead to the {$8600.00} being transferred into the new checkings account so that the overbalance in another account would be resolved. On Monday, I wished to learn about the status of the investigation and after being transferred from department to department for about two hours, the representative I talked to was n't able to find my open claim and I had to start a new claim, even though representatives from previous calls that same day could see my open claim. I would like for Wells Fargo to keep me informed about the status of my claim so that I can have these issues resolved in a timely manner and not be forced to wait longer than I should because of their mistakes.

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 06-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to CALIFORNIA XXXX XXXX for collection and they have listed the debt on my EQUIFAX report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: Ditech did not address my complaint.

- Ditech did not accommodate the mandatory hurricane relief for victims of Hurricane Irma, even upon my phone request.

Complaint ID XXXX - Ditech made an unprecedented payment on my behalf, without my authorization or request, to an insurance company and has not refunded the payment and is charging interest on the payment account.

- Ditech sent loan modification documentation offering 3 options to which I was supposed to apply if interested. On 3 occasions I called and stated I was not interested, and had even expressed I did not want the modification prior to them sending me the information, and they enrolled me in the new program anyway, and have not settled the extra expenses I incurred due to their negligence.

- Ditech did not apply the payments I made to my account, and instead has held funds while allowing interest and fees to accumulate on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home loan and wanted to make my first payment today and I was told over the phone they would add {$11.00} to my invoice to make the payment via telephone. They also said the XXXX payment ca n't be made via their online website. None of this information appears on the hardcopy mortgage statement I received in the mail. I 'm more than willing to pay the amount that appears on my mortgage statement, nothing more, nothing less. I 'd like to make my {$2100.00} payment via telephone prior to the scheduled due date of XXXX/XXXX/16.

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 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX, 2017 i contacted bank of America to inform them that my card was not in my posession and for it to be closed. I also made them aware that i was in the State of Georgia. They then issued me another card and transferred me over to the fraud dept. But the transactions are still on my new account ending in 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 monetary relief
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Upon review of my credit report I discovered West Asset Management, XXXX XXXX Account # XXXX ). This is a paid collection account. I work on the pipeline so I am away for months at a time. XXXX is no where on my credit file and then one day I check my credit and a Collection account is reporting. I NEVER received any notice of this debt. I am requesting for this account to be removed from all credit agencies. I paid this debt as soon as I was made aware of such debt. I was NOT given any notice. I am requesting if there was such notice given all documentation to be provided. 

Without such, I will consider this matter satisfied by fully deleting the account. 

I really appreciate your assistance.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunio n Credit Inquiry Issue  These inquires where deleted from my report last year and now they are visible Transunion refuses to take them off   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 03/19/2015 about Credit card () with JPMORGAN CHASE & CO. (NE).
Issue: Advertising and marketing

Complaint: When I signed up for my Chase Freedom Visa credit card on XXXX XXXX of XXXX there was a promotional offer of a bonus, if I spent more than a certain amount of money. On XXXX XXXX XXXX after or close to what I thought was three month mark from the time I opened the account I contacted Chase to see when or how this would be applied to my account. The customer service representative said she would forward this to a specialist and they would get back to me in writing. On XXXX XXXX I received a letter by mail from Chase stating that I did not meet the spending requirement of the promotional offer. The offer they stated in the letter was I would receive {$400.00} or XXXX points if I spent {$3000.00} in the first three months from the opening date of the account. I certainly have complied with the requirements in the first two months of opening this account by spending over {$4000.00}. I contacted Chase on XXXX the XXXX XXXX and spoke to a XXXX XXXX a supervisor in the XXXX XXXX, TX call center and explained to him what has happened. XXXX said at the time I opened my account there were no offers available and that they would not be honoring the offer. He went on to state that had, I called in on or before XXXX XXXX they would have applied the offer that they stated in the letter. I assumed that when I signed up for the card this offer was to be applied and that there was no more action needed on my part or any reason to have to contact Chase to receive the promotion offer. When I called in on XXXX XXXX I asking when the offer would be applied to my account and at no time was I informed that I would have to contact Chase to activate the offer since the implication was that it would applied when I signed up for the account. The letter they mailed me clearly states the offer and the documentation of my account statements enclosed with this complaint clearly states clearly I have meet and exceeded the requirements set forth in their letter. No where in the letter or when I signed up for this account does it state that I was required to contact chase prior to the three month mark of activating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (LA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: A payment for XXXX that the Westlake Financial commando took from my account on XXXX XXXX, 2017, has not been accredited, I have written emails, without receiving any response to my request to credit the  missing money, I have called and they just tell me that in the next week they will credit it and nothing happens, I do not receive an answer, 6 months ago, and they charge me excessive interest charges, it is not the first time and two more payments have not been accepted, but those were solved, but This payment is pending. My initial credit was {$18000.00}, I paid {$8900.00} in one year and only {$4000.00} has been credited to my account. I think it 's an abuse on the part of this financier. I hope you can help me, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a car loan through XXXX bank. I have paid monthly payments on this car loan for 5 years. This loan isnt showing up on my credit report through Transunion nor XXXX. Not having this information is effecting my credit report. I need to get this information on my report as it is effecting my overall credit score.

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 09/23/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: Today, XXXX XXXX, 2015, an employee of Regions Bank located at XXXX XXXX XXXX, XXXX, TN XXXX, released personal information, to an unauthorized individual. The individual, a friend of my mother, was doing some personal banking for her. The bank manager looked up my personal account and informed him of my account balance. The individual then notified me, by phone, of this incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Account opening, closing, or management

Complaint: i didnt make a inquiry for this bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My friend and co-worker XXXX XXXX, asked me to co-sign for a car loan. After agreeing to co-sign and providing him my personal information, he advised the loan was denied. Later I saw him driving a car which he then said was purchased by my self and his brother as his co-signers. I had never signed any papers and when I told him that he just brushed it off. 3 weeks ago I received a call from XXXX XXXX XXXX who introduced herself as My co-workers friend who was also on this loan and whom also never signed any papers. She was able to obtain a copy of the bill of sale and it appears that she is the primary and I am the secondary. XXXX XXXX is not on the loan. The signatures on the loan are not ours. A police report ( XXXX ) was filed. We spoke to XXXX XXXX, the GM at XXXX XXXX where the purchase was made as well as Ally Financial who owns the lean. We do not know where XXXX XXXX or the car is. The last conversation we had with him by phone in early XXXX 2017, he said he would turn in the car. That never happened.

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