milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: On Monday, XXXX XXXX 2015, I noticed unusual activity as to why my balance was at an extreme low. I currently bank with USAA Secure Checking. I notified them the day I noticed the suspicious activity and filed a claim. I followed up to get a status report on Thursday, XXXX XXXX 2015. I was then told the Fraud Agency with USAA declared this was not a case of fraud. There were a total of XXXX different transactions all in the same amount of {$990.00} bringing it to a total of {$6900.00} lost. I was basically told I lost that money and to contact XXXX. USAA did send me paperwork that shows when each transaction was made and for how much. I was able to see exactly who they went to and what account once I was able to log onto to usaa.com to check my account electronically. I have notified the local police department here in XXXX, MA to file a police report. USAA is not handling this situation as they should be. I am requesting full recoupment of all funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: : THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. inquiries unauthorized XXXX, XXXX XXXX AND XXXX XXXXMus be deleted no validation from the companies or from the Credit union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, I had XXXX fraudgelent charges on my debit [ checking ] acount. XXXX " fell off '' XXXX remained, I filled out the form, that day. Iwas told 7 days it woud be returned XXXX XXXX charges remained. After 10 days the money was not returned, I was then told It was an out of country fraud, another " international form would ned to be filed, which I did asap. on XXXX XXXX. The bank accused me of using this site previously and the case was closed { it is an XXXX dating service, I am almost XXXX years old. ] I never did! the rep. XXXX was horrible to me! Although XXXX of the XXXX were reurned, they were giving me a horrible time. I then reached out to the branch fri.XXXX. spoke to the manager XXXX XXXX XXXX, she would return the money XXXX to my account. It was not, On the XXXX I rechecked and still not! as of today XXXX. it is still not been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: I sent a wire transfer of {$100000.00} to Coinbase onXX/XX/2017 to invest in bitcoin. Coinbase 's website claims that deposit of wire transfer will automatically appear in coinbase account in 2 or 3 business days. However, it has been almost 8 weeks now, and the money still has not shown up in my Coinbase USD account, nor was it returned to my bank account. 

I have sent Coinbase several tickets and received replies which seemed to be automatically generated by computer. Those replies repeatedly claim that wire transfer will automatically appear in my account and ask me to close the ticket, despite the fact that I have never seen the $ XXXX deposited in my account! 

Six weeks later, on XX/XX/XXXX, after I threatened to file a complain on CFPB, I finally got a reply with a name signed at the end of the email. A support team member named XXXX said that he would work with a specialist on my case. My hope was up, I thought this would be solved finally. Yet almost two weeks later, my case is still not resolved and I have not yet received any meaningful response with case specific information despite my repeated request to them. The only response I got was one email which apologizes for the delay and asks me to reply if I still have not received my fund. Of course, I have not received my fund. I replied and still nothing happened till today! 

This has been a nightmare. $ XXXX is not a small amount of money, 8 weeks are enough for a simple wire transfer. Yet I could not even get any meaningful reply on my case from Coinbase. All the replies seem to be copied from a template or simply AI generated reply. I hope that my complain through CFPB will help me to get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have tried disputing through the CRA 's that this is not my account. They CRA 's come back saying that this has been verified and remains on my credit file. I have never received any correspondence with this company as owing a debt nor have I been given the right to dispute this information. I was able to make contact with them but they have failed repeatedly to provide supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While reviewing my XXXX credit report ( XXXX/XXXX/2015 ), and, XXXX ( XXXX/XXXX/2015 ), I noticed that an unauthorized and fraudulent inquiries were conducted on my personal file by AMERICAN EXPRESS employees. I did not authorize this inquiries at any time relevant period. This inquiries were as a direct result of ID THEFT, thus, were fraudulent and without my permission and/or consent. American EXPRESS must know that such conducts by it`s employees were in clear violation of my Privacy Right and FCRA.This has continued to adversely affect me obtaining credit ; housing and meaningful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX leave XX/XX/XXXX 2018 and will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CO).
Issue: Application, originator, mortgage broker

Complaint: This complaint is related to my efforts to file a loan modification application, statements made by the bank to me about whether they would forestall the foreclosure, and irregularities I noticed. Caliber Home Loans sent me a modification loan application which I filled out and mailed back. I received a letter from Caliber stating I did n't send my pay stubs or completed the forms and that I had 30 days to get back to them- the letter was dated XX/XX/2016. But I did send my pay stubs along with the budget and forms filled out and signed when I originally mailed them back. So I called the bank to let them know I was faxing the papers over but alos wanted them to know that I have a copy of the application in front of me and I sent them everything. While one the phone with them they said the house is in active foreclosure scheduled for XX/XX/2016. I asked Caliber to please stal the foreclosure while they review my paper work but they could n't give me a yes or no answer that my loan application has been expeditied for review. 
I sent documentation that the bank is denying was received. Which has occurred before. Sometimes a CFPB complaint will get the bank to stall a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed multiple inquiries on my report as not being mine as I hadnt applied for credit for a few years now. Some inquiries were removed but showed back up on my report. I 'm requesting that all inquiries without an open account be removed as I have yet to hear back from anyone concerning these fraudulent inquiries

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX  reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account

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 12/13/2016 about Other financial service (Refund anticipation check) with OCWEN LOAN SERVICING LLC (CA).
Issue: Customer service/Customer relations

Complaint: We had a major flood. Insurance check made payable to us and OCWEN ( first mortgage holder ). They have money and told us to have an inspection when we are 35 % done. We did this. They received the inspection report in early XXXX. Ever since we have gotten a run around. Six weeks later the check still has not been sent to us. Our workers have threatened to stop work.

Company response to consumer: Closed
Consumer complaint received 08/31/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: I made a payment to Citi of {$3700.00} in error which they received on XXXX XXXX, 2016. When I realized that I had sent it in error, on XXXX XXXX, 2016, I called and was told that they had to report any refund over {$1000.00} to the government. When I inquired as to why I was told it was a regulation. When I inquired as to what the regulation was she told me she did not know. I was told it would be up to 7 days before I would get it. I asked for it to be sent to my Citi Checking account. On XXXX I called again and was told they were waiting to see if my bank had paid the check. I then told them that if I did not have the money in my account by XXXX at XXXX I would begin a complaint process. I do not have the money in my account yet.

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 07/28/2015 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, therefore we had to move to another property and leave the one we are currently short selling. Since I am on a fixed income, I can only pay one mortgage and that is the one where I do not have to go up and down the stairs. TCF Bank has made this process very difficult, asking XXXX questions, asking for all sorts of documents, everything was provided to them. All we want is to do a short sale and get with our lives, but once again TCF is making this very, very hard for us to do. I am XXXX, on a fixed pension income, married with a woman who can not work because she has to take care of me, can not live at the property where TCF is the bank XXXX, what else do they want to understand I HAVE A HARDSHIP! They wo n't do a short sale, they wo n't modify my loan, they wo n't do a deed in lieu, therefore they are pushing me to foreclosure!

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 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX, pa XXXX XXXX Account # XXXX no contract no signature

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 09/23/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is not investigating accounts in my credit report that are reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XXXX XXXX, I saw an online offer for a XXXX XXXX XXXX checking account where you would get {$200.00} for opening an account and having 3 direct deposits post to the account. I was interested and followed the steps and successfully opened the account. XXXX XXXX asked for an initial deposit of at least {$25.00} and I provided my routing and account numbers for my Chase checking account to send them a {$30.00} opening deposit. On XXXX XXXX, the {$30.00} left my Chase checking account as a withdrawal from XXXX XXXX funding. 


On XXXX XXXX, I realized I have something coming up where I would n't be able to transfer my direct deposit and fulfill the offer so I decided to close the account. I went to my local branch to close my account and get my initial deposit back but was told it was never received. I showed the branch manager the line item on my Chase account for the funding withdrawal on XXXX XXXX but she was told they had never received it and that I would need to call Chase as it was on their end, not XXXX XXXX. They let me close the account and I was told the initial deposit would come back to my Chase account eventually. I called Chase and XXXX XXXX on the XXXX, XXXX and XXXX and have been bounced back and forth between companies blaming each other for the missing funds. This is n't a large amount of money but I do not want to forget about it and then just not ever get the money back. If I could get help with this it would be great. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from XXXX XXXX XXXX stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. XXXX XXXX dismissed my statements and said I would have to pay that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : US BKPT CT TN XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : FED LOAN SERV ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : Federal District DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : A FED BANKRU DOCKET Number : XXXX DATE REPORTED : XXXX/XXXX I have disputed these accounts with all three credit bureaus.

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 11-02-2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX, XXXX somebody fraudulently created a medical bill of {$140.00} for I do not know what. Its almost impossible to see where the bill is coming from XXXX XXXX XXXX XXXX XXXXXXXX I did not make that charge during that time I was XXXX someone has stolen my identity. On XXXX XXXX XXXX it became Debt Recovery Solutions LLC.  For 8 months this debt has been owed and it is highly impacting my credit score of XXXX. I recently received a hard inquiry from XXXX XXXX credit card application mostly due to this fraudulent debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (WV).
Issue: Managing the loan or lease

Complaint: Purchased furniture from XXXX XXXX XXXX with XXXX months same as cash financing. Payments were being made to XXXX. After a few months went online to make payment and the site would not take the payment. Tried again a few days later. Then called the store and was told that XXXX had sold the account to GE. The merchant nor XXXX nor GE had told us that. We called GE and a gentleman told us that {$100.00} would pay the account in full. We sent the payment in. Since then we 've continued to receive collection notices from XXXX collection agency after another. We talked with GE XXXX times and they would do nothing. We had talked with their employee by phone and had nothing in writing. Now we are receiving collection letters from another collection agency for a lone that we paid in full per the terms. GE is wanting interest and other charges for an account that was paid in full within the time frame of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (I do not know) with Capital Management Services, LP ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Getting repeated calls from XXXX XXXX XXXX asking to speak to someone on their list that they are trying to collect a debt from. The people they tend to call about have my same last name and first initial, suggesting they are using intrusive automation ( I believe the term is 'raking ' ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advanced Resolution Services Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX I sent a letter to Advanced Resolution Services ( ARS ) informing them that I have had ID Theft issues and that I needed my credit report frozen this letter was signed and delivered by the USPS with Certified Return Reciept. I enclosed a copy of the police report indicating that someone had opened a XXXX XXXX XXXX account in my name and used it to fraudulently obtain merchandise. On XX/XX/XXXX ARS improperly responded back indicating a signed request was necessary? On XX/XX/XXXX I sent, via USPS, a letter once again asking them to immediately honor my second signed request to completely and permanently freeze my credit report. I have received no response even from my second request.

Company response to consumer: Closed with explanation