milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Closing/Cancelling account

Complaint: I have had a credit card with citi bank since 1989 in the past their customer service was excellent and I never had a problem with them. Over the years I have heard numerous stories about difficulty with citi bank yet I continued with them. Over the past two years I have had nothing but difficulty with this company. Promising lower interest rates if I called back and requested at a specific time only to be denied. Cancelled cards ... increasing limits on cards I did not want increased and lowering limits on cards that I needed increased. They recently acquired the XXXX account from Costco they lowered the account credit limit and would only increase it if I agreed to a credit check ... yet at the same time increased a credit limit on another card by XXXX more than what I was requesting. When the account was transferred I had accrued a rebate of approx XXXX dollars. Due to the ensuing difficulty with Citi bank I cancelled this card and have paid off the balance. Now they are refusing to pay the rebate amount as well as charged me XXXX interest. I am requesting the rebate amount be refunded to me as well as the XXXX being removed as payment as the bill was paid in full. Thank you in advance for your assistance with this issue.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit  reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Express Recovery Services, Inc. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a collection account on my credit report that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Payday loan debt) with Blackwater Capital Group LLC. (RI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I was contected by Blackwater Capital Group sometime in winter/spring of 2017 in regards to an outstanding payday loan. This company called me at work and I returned the phone call immediately and asked them not to call my job ever again. I did not recall having this debt but I proceeded to make payment arrangements to avoid more problems with the debt. I made automatic payments every other week but I cancelled my debit card at the beginning of XXXX due to fraud issues. I spoke to XXXX XXXX and told him I would contact him soon to rearrange payments. 2 weeks went by and he has called me at work at least 5 times and the worst thing is that he contacted my ex domestic partner whom I have n't spoke to in 4 years and left a message in her cell phone describing my debt. I do not wish to be contacted by this company anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries are showing more than once on my credit. Some of which I do not recognized.
XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto  Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: asked company to validate that I had a contract with them or anyone else for the account and they refused. sent letters requesting validation and disputed at credit bureau.   XXXX   XXXX   XXXX   has the incorrect birth year for me and I believe this belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I canceled internet service with XXXX in XXXX of 2015 after a XXXX months of successive incorrect billing for service that even their customer retention department admitted was incorrectly billed too high and made adjustments to my account. Successive bills still had the improper billed amount so I canceled service. 

I received another bill from XXXX and was advised that I would get a final bill that would show any remaining balance or credit. 

I received a phone call from a debt collector on XXXX/XXXX/2015 regarding a past due amount to XXXX for {$45.00}. I disputed the charge and immediately went to my local XXXX office. The CSR girl said " No, you have a credit balance '' and was unable to print anything official, but did hand me a print out of her computer screen that shows a credit balance of {$110.00}. 

I then received a bill from XXXX also dated XXXX/XXXX/2015 that shows a completely different amount of NEGATIVE XXXX and " NO PAYMENT DUE ''. 

I then received a bill from Stellar Recovery XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NC XXXX XXXX dated XXXX/XXXX/2015 for {$45.00}. 

After several calls to XXXX I got several promises for calls back to take care of the issue. I have almost an hour 's worth of audio recordings of these calls and never received a call back. 

Stellar Recovery states that they can not do anything and XXXX states that because it has been turned over to collections THEY ca n't do anything. I 'm stuck in the middle with nearly a XXXX point hit to my credit report and neither company will acknowledge my issue or assist in rectifying the situation. 

As of my conversations with XXXX today ( XXXX/XXXX/2015 ) their customer retention specialist " XXXX '' acknowledged that there was a balance I owed of {$5.00} BUT XXXX owes ME {$40.00}! 

Again, this is on my credit report, XXXX owes ME money, and no one is willing to correct the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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: For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).   XXXX   and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My HELOC with XXXX Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years XXXX last six months of statements are enclosed ). In XXXX I filed a complaint against XXXX Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for XXXX Bank dated XXXX/XXXX/XXXX XXXX letter enclosed ) saying that they would take care of it. I disputed this response because although XXXX Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted XXXX Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with XXXX, a division of XXXX Bank XXXX. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX XXXX letter enclosed ). The HELOC was then transferred back to XXXX XXXX effected XXXX/XXXX/XXXX XXXX letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that XXXX XXXX was now XXXX Bank XXXX letter enclosed XXXX. 

ACTION NEEDEDThis HELOC with XXXX Bank should be reported as open with a 10 year credit history. 

Under XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : XXXX 1 XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in XXXX XXXX XXXX for violation of my rights under the FCRA naming XXXX Bank, and the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been recently denied credit based upon my TransUnion credit report. I immediately contacted TransUnion by formal correspondence to request a copy of my credit report, in full accordance with the FCRA. I also called TransUnion and a representative told me that I would have to purchase the monitoring service to receive a copy of my report. The FCRA enjoins Credit Bureaus to provide a copy of the person 's report if notice of adverse action has been rendered by the prospective creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I am currently having issue with coinbase. They have disabled my account since theXX/XX/XXXX. I can not access my funds, i have submitted a few tickets and sent messages on XXXX but still no luck. I have submitted proof of id and passport on the XX/XX/XXXX. As was requested by coinbase. My email address is XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX  has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX  does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has filed false charges with the XXXX police department, XXXX XXXX XXXX, of XXXX XXXX failed to route my Cashier checks through the Federal Reserve. XXXX XXXX XXXX has failed to honor my Substitute Check Rights. Included with this filling is a copy of the substitute check the XXXX XXXX XXXX, failed to disclose.

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 11-02-2016 about Mortgage (Conventional fixed mortgage) with Real Time Resolutions, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a joint Mortgage and got divorce The balance due on the mortgage secured by the land and building given the ex wife this is the " court order '' This happens XX/XX/2009. Now shows on the XXXX and experience credit report shows XXXX days let payment. This account belong to my ex wife. has to be remove negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Incorrect Status being reported on by Experian CRA.     Entry by    XXXX   XXXX   XXXX    : Owed {$340.00}  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX , NH  XXXX  Credit reporting agency is documenting a claim by    XXXX   XXXX   XXXX    on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Credit Card  XXXX   XXXX   XXXX ,  XXXX  ), disput ed (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill (   XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter Experian CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by Experian  XXXX   XXXX , I possess and presented Experian proof of payment.     Submitted credit card statement showing rebill for {$340.00}.

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 non-monetary relief
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: On the XX/XX/XXXX, I made a XXXX SEPA transfer from my XXXX Bank Account to Coinbase Account in XXXX XXXX Account. I noticed something could go wrong as I made the transfer in GBP to their XXXX account. 

So on Thursday XX/XX/XXXX I sent them an email ( XXXX ) asking them to look into the transfer and to tell me what was going on. They gave me an automated template reply and that was it. 

On XX/XX/XXXX I sent them another e-mail asking for information again. 

During the following 10 days, I spent my time searching the net for contacts, feedback from other users and sent a couple of XXXX to Coinbase account. Nothing still. 

On XX/XX/XXXX they finally replied telling me how to do a SEPA transfer. Nothing relating to solving the issue. 

XX/XX/XXXX I called my bank ( XXXX ) and they confirmed the money had been received on XX/XX/XXXX and it would most probably what is called a Holding Account. So I took that information and sent them another email with all the details of the transfer. Name, date of transfer, amount, IBAN, SWIFT, Unique Transfer Reference Number and Account Reference Number. 

On XX/XX/XXXX, 3 tickets later, I sent them another email, this time threatening action. 

On XX/XX/XXXX, they finally email me back asking for proof of transfer. A screenshot of the payment that shows the IBAN and a portal address for me to upload to. I did straight away. 

Until now, nothing else. 

I understand I made a mistake. I 've never done a SEPA transfer and the currency option got completely overlooked. BUT 13 working days for a transfer that should take around 1-3 working days is a JOKE. 22 days in limbo without knowing what has happened to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have no problem paying the assessed fees. My concern is when you are on the automated system and you are paying your loan, the message states the amount includes any fees that are owed. You submit the payment with the impression that the fees are paid. I found out today that the fees are still outstanding. The employee I spoke with indicated that " sometimes the system does not pay the fees and applies the amount to the payment. '' I have still received benefit, I understand that. But, you think the fees are paid and then they are not. At the end of the loan you could have several fees outstanding that you think are paid based on the fact that the automated system said they were. I think this is a deceptive practice and could cost a consumer at loan of money at the end of the loan if they were not diligent. Yes, it is the consumer 's responsibility to read their statement, but the practice should match what their system said is going to happen. Please have Chrysler Capital update their automated system to match their business practices. The employee I spoke with today said that she would have to submit a request to have the funds moved, so they will correct it, but it should not happen that way. As I stated, I feel this is a deceptive act under the UDAAP guidelines, as the consumer could end up paying additional money as they thought the fees were paid and if they just move the funds to cover the fees, it could change the payoff amount at the end of the term. I did explain to the employee that I felt this was deceptive and I would be filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Auto debt) with CL HOLDINGS LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: My credit report reflects a collection account owned by Jefferson Capital System, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.

Company response to consumer: Closed with explanation