milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Billing disputes

Complaint: I 've recently contacted the merchant in regards to the travel voucher that I 've purchased in XX/XX/2015 via my Credit Card. I was informed that the purchase was charged back and the voucher is invalid, the merchant advised me to contact my bank to clarify the situation. I 've contacted my bank for further information, I recall initiating a dispute it was never completed as I never received the credit back so I thought that the travel voucher remained valid since then. I 've been contacting back and forth between the merchant and my bank since then trying to resolve the issue. Finally, the merchant provided a document that is to approve the charge back. I 've forwarded it to my bank hoping that they will provide me a resolution ; however, they continuously advising me the information that I already know. 
1. The credit did n't credit to the account 2 years ago 2. this charge back pass the time range to initiate the dispute as it 's 2 years ago I 've been trying to contact my bank further for the explanation on why my bank did n't complete the dispute when the merchant already authorized / approve the charge back. The merchant had already expressed that they ca n't assist me any further after providing me the related document and advised me that the money is no longer in their account. 

I do n't know what else I can do in order to resolve the issue anymore as my bank only advises me that the credit never arrived to my account ( which i knew by basically reading the statement ) and the transaction was long time ago ( which i knew as well so that I raised the dispute 2 years ago ) yet my bank never advised me of the rationale of the incompletion of the dispute i raised 2 years while the merchant agreed to charge back. 

Now I have paid XXXX USD and I do n't get to have my vacation ; neither my bank nor the merchant was able to assist me further

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax how do you know which accounts I referring too? if your company said on all investigation that you had verified these accounts earlier in your reply you stated to me but when you replied back you stated Response disputed how did you verify the accounts and who did you talk to seen me proof of who you talked to or to closed the horses mouth JUST SEND THE ORIGINAL SIGNED DOCUMENTS??? IF YOU HAVE THEM SEEM LIKE I 'm the only one that sending proof I have been asking for this info since the beginning of XXXX and all I got from you were we have verified these account I have n't seen who and what you have did to provide the info.. please send asap Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. 
That 's a lie Equifax You sent out another letter saying contact the creditors by name per your company name How did you Know that If I did n't disclosed the items?

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX   XXXX   XXXX   {$5600.00}, now {$4600.00} minus {$350.00} payment on   XXXX   XXXX   XXXX   I requested an explanation of why the principal reduced, but the corresponding interest charge did not match. Still, no response fro m them.. My last letter to them is attached to this document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Walmart MasterCard account was fraudulently opened and used paid for used again paid for payments returned and used again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (ID).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XX/XX/XXXX, Chase bank abruptly locked me out of my account access and did n't provide any justification over the phone. Chase customer service representatives forced me to drive to a local branch for ID verification where Chase staff only said " our detection system is too sensitive '' and no other justification was provided. Account access was restore after ID verification. However, on XX/XX/XXXX, account access was blocked again without advance notice. This practice is outrageous and abusive. I 'm certain that my experience with Chase is not alone. Although I will not be a Chase customer any longer, I think their practice merits a thorough investigation by CFPB to protect other consumers from being abused by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CT).
Issue: Money was not available when promised

Complaint: On XXXX XXXX XXXX, I wired coinbase {$9000.00} to be credited to my virtual currency account on XXXX. At the time of the wire the company coinbase said it was a 2 to 3 DAY DELAY for Incoming wires to be credited to accounts. After waiting several days ( 10 ) I contacted the company via their support services online and requested an answer to where my funds were. Coinbase gave me a generic response telling me to wait more. I then called them a few days later and the customer service rep told me they never received any wire under my name and that my issue would be escalated to priority and solved within the next 2 days. When they told me he could not find my wire l, I called their Bank to confirm they received my money and their Bank which is the XXXX bank in New York confirmed coinbase received my money on XXXX XXXX, XXXX, one day after I wired it. With this information I then contacted coinbase several times through their email support, on social media and by phone again, always being told it 's going to be escalated. It has been over 23 days, coinbase refuses to tell me why my money is not being credited or returned and why they lied about their promise time of 2 to 3 days. Because of this I have lost opportunities to invest and they are holding my funds without any say from me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have a debt from 2008. Asset acceptance LLC bought it and I never knew this. I received a wage garnishment from my employer in the mail. I have never received anything, no phone call, no letter, nothing from them about this debt. I think I should have received something from them before I was hit with the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 've called numerous times to try to get a payment plan set up and every time they send me to someone else or tell me there is n't nothing they can do, I currently have very limited income and so does my co-signer. I understand that I took out the loans and I want to pay them back but I 'm currently having a bit of trouble. I thought I 'd be ending college with a degree and a job instead I was XXXX on my campus and my grades suffered afterwards I went from deans list to academic suspension, I tried to get my grades up but without funding I was unable to rejoin school, now I 'm struggling to get back on my feet and Sallie Mae as made it impossible to work with them to figure out a plan until I can get a better job to pay more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Consumer Loan (Vehicle loan) with CITIBANK, N.A. (PA).
Issue: Managing the loan or lease

Complaint: In XXXX I took out a car loan with Citibank which put a lien on my title. Down the road they sold the loan to XXXX bank. In XXXX I made my final payment to them but never received a lien release. I contacted Citibank several times, but they were of no help. 
So where do I go from here ... .Any help that you give me would greatly appreciated.

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 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Yesterday I applied for a home loan but was turned down because of XXXX negative entries on my Experian credit report. And I have not been able to get my FREE annual copy of my Experian credit report either.

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 12-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I sent a letter to Midland funding disputing a XXXX account that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in XXXX days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. On XX/XX/XXXX I received the attached letter from XXXX stating that they have opened an investigation requesting appropriate documents and I have heard nothing from them since. 

This account has been deleted from my credit report XXXX times since then and placed back on my report, affecting my credit score each time. Based on the FCRA and FDCPA once an account has been removed, I should be notified 5 days prior to the account being placed back on my credit reports. 

In addition, Midland Funding has not provided me with proof of documents bearing my signature in the requested 30 days. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

My belief is that they were not able to validate the debt and decided to remove the debt from my reports. They would not be able to validate the debt, because it does not belong to me. 

I believe that my rights have been violated and I would like immediate action taken. 

In addition to this CFPB complaint, I will be filing a small claims XXXX XXXX Midland Funding as I was recently denied credit because this account appeared back on my credit report and dropped my credit score XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (MI).
Issue: Managing the loan or lease

Complaint: Kaye Jewelers put o my credit report on XXXX that I was late with the payment and I was not. I 've actually paid above and beyond my payments. I 've asked them to remove it from my credit report and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 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: Ive contacted XXXX numerous times over the past few months about inquiries that does not belong to me and they have denied me of deleting them even after they told me I was a victim of their breath. Also Ive had a collection removed from my other reports however XXXX is refusing to remove it

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 08-11-2016 about Credit card () with U.S. BANCORP (TX).
Issue: Rewards

Complaint: US Bank refuses to award the annual renewal rewards bonus tied to their XXXX XXXX credit card product even though I have paid the annual fee. The fee was paid late because unlike XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, or XXXX, they do not include the amount due or mininum payment due in the e-mailed statement. This problem happened 2 years is a row and now they are saying that because the fee was n't paid when it was due, I will not be receiving the annual rewards.

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 09-06-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I requested a credit report from Experian for XXXX dollar and found out they also set me up for a membership I did not want and they will not refund my money. My credit card company acknowledge this happens frequently with this company. This is a very deceptive practice and need your help in recovery my money and stopping this company from continuing this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (I do not know) with Allied Interstate LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received numerous letters and phone calls from this collection agency over the course of years. I did not recognize the debt however in order to rid myself of the problem, when I received a letter that was an offer of settlement for an amount that I could afford, I sent in the payment. I 've since learned that this debt is barred by the Statute of Limitations and not even on my credit any longer! Instead of receiving a letter acknowledging the debt payoff, I received another bill for the balance! I wrote on the back of the check and on the return stub ( see attached ) that it was an accord and satisfaction. I hope this will stop them from trying to revive the debt. Outrageous!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MO).
Issue: Managing the loan or lease

Complaint: I received my settlement check from Ally Auto Finance Settlement Department dated XX/XX/2016 and made a forward of address in XX/XX/2016. Not knowing why it was n't forwarded. I called XX/XX/2016 to request a replacement being that check XXXX expired XX/XX/2016. I have been separated from my husband since XX/XX/2016 and have not been at the address on the check since. When I called, there were n't even able to suggest how to go about receiving the funds that are due to me. Please advise

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 11/30/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: What happen was Bank Of America Attorney came to XXXX, Georgia to Superior Court for the final Order and Judgment. There using the name Bank Of America is Debit Collector, Plaintiff said on XX/XX/2016 was foreclosure sale of the property located at XXXX, Georgia I was not inform of this sale, the Judge went along with the Bank Of America, Debit Collector, but the Judge told me I could file a wrongly foreclosure with thin 30 days, this is what I am going to do, I want to file this complaint first. The Judge give me until XX/XX/2016 to get all of belonging out the house.

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 03/14/2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 my tax preparer XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX Bank. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank

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 07-03-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is in reference to Commonwealth Financial.
<P/>
I have previously subumitted a complaint to CFPB about this company a month ago. It should be documented.
<P/>
I have received notice from CFPB that Commonwealth Financial has responded to the complaint by stating that they would remove all accounts on all 3 bureaus. This has not happened.
<P/>
I am requesting that Commonwealth Financial remove all collections from all 3 bureaus immediately. <P/>I do not have a signed contract with this company nor have they sent me anything that I have signed with them even after they responded to my previous complaing with CFPB. And having them report on my credit reports is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Repeated calls to my work XXXX XXXX XXXX I told them not to call but they do anyways

Company response to consumer: Closed with explanation