milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I found a bill for Pinnacle on my Credit Bureau. I contacted Pinnacle with no response. I disputed with the collection agency, who state they verified the debt. I then contacted the original creditor with all of the information on my credit bureau report and was told that they do not have any information on me! A debt validation letter was sent on XXXX/XXXX/2015 with no response as of today, it has been XXXX days with no response and it is STILL on my report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I had a checking account with Chase Bank. The account was closed by them after I deposited a check through there online app. the check never cleared and they are now trying to charge me for this check.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Pursuant 1692 ( a ) ( b ) the City of XXXX engaged in abusive, deceptive and unfair debt collection practices by booting, impounding and holding consumers vehicles, which contributes to a high number of bankruptcies, material instabilities, job loses, and invasion of ones privacy. Existing laws are inadequate and offers no true remedy, or relief, which forced me to file bankruptcy to get my car back. 
Violations have been detemined after thorough examination of the communication 1692a ( 2 ), FDCPA, conveyed through the mails and received at the consumers ' sanctuary. Employees agents, and or assigns from ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX - XXXX XXXX who operated in the capacity of a debt collector pursuant 1692a ( 6 ), FDPA, because o ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX did violate numerous provisions of the Fair Debt Collection Practices Act ( " FDCPA '' ), Public Law 111-203, title X, 124 Stat.
2092 ( 2010 }.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: XXXX/XXXX/2015 I am received a call from XXXX XXXX XXXX XXXX XXXX from the " XXXX. '' the transfer of title of my name in the name of XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me the documents to transfer title. Legitimate or fake - I do not know. 
For a very urgent request by XXXX XXXX XXXX XXXX XXXX XXXX, I am, XXXX/XXXX/2015, using " Western Union '' at XXXX o'clock XXXX minutes. I sent {$900.00} ( XXXX XXXX dollars ), but has received no receipts. 
I asked XXXX XXXX XXXX XXXX XXXX send any - any ID or other official proof of his identity, he refused under various pretexts, he demanded {$900.00} ( XXXX XXXX dollars ) more to send him money for other transactions. No one I did not get released. Sensing the hype I demanded to finish the first case of the transfer of title. XXXX XXXX refused. and disconnect the phone from the network. On XXXX/XXXX/2015 I can not reach XXXX XXXX XXXX XXXX XXXX XXXX and continue the discussion. I 'm pretty sure that is - FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, Equifax, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Equifax since you told me to file separately against each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with Capital Management Services, LP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XX/XX/2015, I was mailed a demand letter for payment of {$400.00} from Capital Management Services , LP. 

I am disputing this debt, because it has never belonged to me. This debt is not mine. 

This debt is a result of an identity theft where my XXXX Bank checking account checks and debit card were stolen from my vehicle. 

Again, I am disputing this XXXX Bank debt of {$400.00}, because it does not belong to me and it resulted from an identity theft of my debit card and checking account checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Customer service / Customer relations

Complaint: Capital One closed XXXX of my credit cards without notice or consent. Two years of credit down the drain with dramatically affected my credit score. Policy of return payments is not explained properly and when cards were closed I was not given notice in any form until I went to make a purchase AFTER I paid both of the card off in full. Also ; I still have not received my security deposit as they were secured credit cards ; equaling in the amount of {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient hired XXXX XXXX XXXX XXXX to collect on student loans. XXXX XXXX XXXX XXXX is alleging that I have only paid {$1000.00} in total for the last XXXX payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. XXXX XXXX XXXX XXXX is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00}, which is patently false. Navient and XXXX XXXX XXXX Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00} on my account. XXXX XXXX XXXX XXXX is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. XXXX XXXX XXXX XXXX is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: I was checking my account and I had some withdrawals from my account and I know I had n't been to these places and withdrawn any money. So I went to the bank and filed a fraud on my account. After filing a complaint with the bank, the bank said I had to file a fraud incident report with the police, so I did that. The policemen contacted the bank to get the paperwork and got subpoena to pull the video. Once the policemen subpoena the video from the store, the store clerk told the officer after 30 days the video records over what was on video. The officer contacted me to let me know what had happened. So I ask the officer could I get a statement and gave me the statement. But the bank said they 're not responsible for the withdrawals, because whomever use my PIN number and the decision still stands, they was n't replacing my money and it not insured when your personal PIN is used. This happened back in XXXX when I filed the fraud report. I have done everything the bank ask of me, still no money. XXXX dollars was taken.

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 01/19/2016 about Mortgage (Conventional fixed mortgage) with ETHOS LENDING LLC (CA).
Issue: Credit decision / Underwriting

Complaint: My wife and I were purchasing a new home and the loan was going through Ethos Lending in XXXX XXXX CA. An issue came up with our tax returns for 2014 where it turns out our accountant forgot to inform us that our Fed returns were rejected and sent back to him. It was not until Ethos asked about it that we contacted our accountant to find out the issue. At that point, he resubmitted the returns electronically and they were accepted. Ethos demanded that my wife or I go to the XXXX for a receipt confirming this. My wife spent 3 hours waiting in line at the XXXX to be told that since our accountant refiled electronically they were not able to confirm the receipt until the returns were reprocessed. This could take weeks or months to happen. We told this to Ethos and they would not accept what we were saying. We told them numerous times and even gave them the name of the XXXX person and our accountant 's information to confirm. It seemed like Ethos was dragging their feet with this non-issue and since we were days from the lock expiring it was even more obvious. The best part was that just after they charged us to extend the lock, this condition was signed off on. This was only XXXX of many issues we had with this lender. They almost costed us the home. The seller was going to pull out in a matter of days. To top it all off, our loan officer had conversations with Ethos 's sales rep and he told our loan officer that the charge would be refunded back to us after the loan went through. He forgot to tell us that he was leaving the company before this happened. Conveniently his boss had no knowledge of him saying the money would be refunded and they are not going to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I previously filed a complaint with XXXX and received a satisfactory response. However, XXXX and Trans Union reported inaccurate information on the same XXXX XXXX Bank accounts. Should n't XXXX Bank be held accountable for providing the same accurate reporting to all credit reporting agencies?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NV).
Issue: Fraud or scam

Complaint: I sent payment to a vendor via coinbase and the vendor says they never received payment and will not ship without proof from coinbase I have tried reaching customer service via email, XXXX and their online help site l daily for well over a week and a half since XXXX/XXXX/XXXX This is for medication my son NEEDS, I get no answer at all from coinbase and recently got back a massage that emailing them directly has been disabled They have no customer service number, the do not return emails and there online chat looks to be disabled Sent XXXX XXXX XXXX {$300.00} To XXXX Note For order # XXXX Confirmations XXXX Fee XXXX XXXX Transaction View transaction XXXX/XXXX/XXXX XXXX PM COMPLETED

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!

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 09-08-2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage, tried forever to modify it. Then it was sold to another bank. Again I have tried to modify it. These banks have n't sent me statements. I have no idea where there balances are coming from. They tell me they do not have to give me anything. I know I am being ripped off. Now on XXXX16 my home of XXXX yrs is being foreclosed and were homeless. I feel like I had no rights. Its wrong how these mortgage lenders treat people.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (NC).
Issue: Trouble during payment process

Complaint: Two months ago I got behind on my mortgage because of an account the charge on my bank account with out permission and caused a domino effect with checking account payments. I paid my mortgage to ditech and make arrangements to pay and additional amount to catch up. Despite that I received letter several time a week calls and a man knocked on my door and left a Mortgage Due letter on my door. I spoke to a representative who took my complaint about the harassing way I was being treated and she apologized. Because of caring for an elderly parent out of town, I did not make it home in time to pay my XXXX mortgage. I 've attempted to call Ditech multiple time to to make the payment because they will not allow you to pay online unless you pay the full amount. I 've had no call back by XXXX XXXX who received all mu calls on voice mail. Online my bill reflect XXXX unapplied amount in addition to XXXX late fee and XXXX mortgage that I have been trying to pay. What is XXXX unapplied I 'm not going to pay so unapplied amount I am not owing. No one answers XXXX it goes to a voice mail for XXXX XXXX XXXX and he never returns the call. I have been humiliated not being one full payment behind. My payments are XXXX I agree XXXX is due per the letter they send. But if I ca n't pay online unless I speak with someone. The automated line will not accept less then the due. That amount is not right. Charges that are applied as unapplied can not be legal. Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been disputing a contention by Chase that a credit card account it has claimed I owned jointly should rightly include me as a party responsible for its debt. Chase researched its records and provided a copy of the original application used to assign account responsibility. Neither the handwriting nor signature on that document is mine. Further, though bearing only a single signature, Chase nevertheless contends that the account was jointly held with another person with no supporting documentation. 

In XXXX 2016, I advised Chase of its understandable error, providing the company with copies of the same documents they sent to to me from its own records and additional documents in my possession with comparator handwriting that would demonstrate the mistake they made. In this regard, it was my belief that even an untrained eye would be capable of differentiation between the two samples. 

In my letter I asked, again, that Chase remove my name from responsibility for the debt, notify credit reporting agencies of this action, and to amend a false report to the IRS resulting in a XXXX form to me. 

Chase has yet to offer a response of any manner. While the sum involved is insignificant to the bank, the loss since " written off '' and perhaps otherwise irrelevant to it, continuing existence of incorrect records of the misplaced debt continue to have real ramifications to me. Not only was my tax burden greatly increased last year, but a marginal creditworthiness continues to follow me. This issue is one which I would like to resolve in as timely a manner as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Student loan (Private student loan) with DISCOVER BANK (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have paid off my student loan ( account #   XXXX   ). On  XX/XX/XXXX , Discover Student Loans issued me a letter saying that they owed me money under a Consent Order with the Consumer Financial Protection Bureau and had issued me a check in   XXXX   that I had not cashed. I never received that check. The  XX/XX/XXXX  letter gave me until XX/XX/XXXX  to reply to have the check reissued. I was out of the country for work between  XX/XX/XXXX  and  XX/XX/XXXX , giving me no time to actually respond to the letter. When I called Discover today,  XXXX , the agent, was incredibly nice and explained that because the date had passed I would have to contact CFPB directly online as stated in the letter. There is no instruction on the letter about where to go on that webpage or what to do when I got here. I would like them to arrange for me to get the money owed under the Consent Order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Student loan (Federal student loan servicing) with MOHELA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: MOHELA refuses to change my principal according my last payment, despite the fact that it was *auto-debited* ( successfully, according to their own system ) by *their system*. I have contacted them numerous times about the matter and nothing has changed ; I received one message in response that claims the amount is correct, despite their own paperwork. I notified them that if they did not address the matter, I wold be forced ( yet again ) to lodge a CFPB complaint ... no response, so here we are.

I will attach my previous two, and the upcoming, auto-debit notices. They show the following : document of XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00}XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} Each featured an automatic payment made of {$270.00}. Obviously, a payment toward principal ( {$190.00} ) should decrease the principal by that amount, not increase it by an arbitrary amount.

The correct principal amount should be {$20000.00}. It is quite straightforward! Instead, they actually *increased* my principal slightly!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW

Company response to consumer: Closed with explanation