milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have a XXXX XXXX XXXX store credit card offered by Comenity. I signed up for the card as it offers a 10 % " reward dollar '' for purchases. The way the program is structured, it requires new charges to the credit card or forfeiture of reward dollars anytime the reward is used. This is not disclosed on the credit card application, nor are XXXX XXXX XXXX associates well versed in how the program operates, leading to unfair and deceptive marketing practices. 

The incident that led me to understand how this program is not as advertised occurred on XXXX XXXX, XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I had previously purchased and paid for more than {$600.00} in merchandise from XXXX XXXX XXXX in the prior billing cycle. This earned me {$60.00} in reward dollars. I purchased approximately {$30.00} in items with these rewards, expecting the remaining {$30.00} would be available for future use. Immediately following the completion of the transaction, the cashier informed me that the remaining {$30.00} balance was forfeited as I did not have a transaction of at least {$60.00} when I redeemed my reward dollars. I asked to void the transaction as I did not want to forfeit the reward dollars, but was told that was impossible. I spoke with the store XXXX, who contacted Cometity on my behalf to see if the remaining {$30.00} in rewards could be reissued, but was denied. In my conversation with the manager and cashier, I was informed that if I had a purchase in excess of {$60.00}, the only way I could use the reward was to charge any remaining balance on the XXXX XXXX XXXX credit card. This locks the consumer into the potential for a small balance and a new billing cycle, increasingly the likelihood that the consumer is late, incurring a late fee or triggering additional interest income for Cometity, should the account have a revolving balance. 

Surprised at the details for the reward program, I picked up a application on the counter. No where in the in storm information, or in the application, did the detail related to the limitations for the reward program exist. 

I am an educated consumer, who reads these disclosures, but I was not able to receive an accurate understanding regarding the rewards program based upon the materials provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Debt collection (Medical) with The Collection Connection (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collector- ( The Collection Connection ) has been hired by my previous XXXX who I have been fighting with over the charges he 's states we owe over XXXX missed appointments in XXXX 2014. He 's trying to charge my wife and I {$510.00} for XXXX missed appointments he claimed we missed in XXXX of 2014. I requested proof of us agreeing to these said appointments, and the Debt collector sent me a copy of the doctors appointment book with his notes in it. I have told the debt collector these are erroneous charges no services were ever provided nor did we ever commit to an appointment on said dates in XX/XX/XXXX otherwise we would have been there just like numerous other times we have went and my insurance was billed. This doctor- ( XXXX XXXX ) is taking advantage of us, he knows how stressed we are and after turning us into the collection agency continued to harass us every appointment we had after that. I told him several times that we never agreed on those appointments and its not fair he 's trying to charge us missed appointment charges of {$250.00} for each appointment, he does n't even charge the insurance company that much for an hour appointment when I have agreed to see him. Please help our family and I 'm sure the other family 's this doctor takes advantage of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (OH).
Issue: Struggling to pay mortgage

Complaint: I was in Chapter  XXXX  when my loan was s old to Shellpoint.  At this time they tried to foreclose twice ( as I was in Chapter  XXXX  ).     Once I was out of Chapter  XXXX  I called for my loan amount and information and they refused to speak to me. My lawyer had to contact them and proceeded to tell me the amount, due date and where to send the payment to.     After 8 months I get a notice that I am behind in payments - when I checked my bank I noticed that they have n't cashed any checks. After numerous calls I find out that they increased my payment amount and I was never notified. Funny how then a week later all my checks were returned with letters stating they amount was not correct.     At this point I was {$5000.00} in default. I called and tried to work out a payment plan with no luck. I asked for a statement showing payment history and never received. I asked for exact amount and never received call back.     This has been going on for an additional 3 months so I am now way behind.     Also every 3 months they send a letter that I will owe them money for homeowner insurance - I send them copies of my policy then in 3 months another letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tried contacting Experian about inaccurate information on my credit report. I can not get through or get a response when I have already submitted all the requested information for proof of identity. 
My issues : 1. ) The balances in my accounts are inaccurate, this needs to be corrected. XXXX Credit Card has a balance of XXXX that is incorrect. I have called XXXX and they make monthly reports to Experian. XXXX last reported it back in XXXX/XXXX/XXXX. My current balance should be XXXX I believe. 
2. ) XXXX XXXX XXXX Account : That account is paid but the account is still open it should show as closed and paid. Balance should be XXXX. 
3. ) My report says that I have too many delinquencies when in doubt the only delinquencies I have are back in XXXX, XXXX. Being back in boot camp I had my identity stolen. Then in XXXX or XXXX XXXX, I was in training in XXXX. My XXXX XXXX Credit Card went past due 30 days back then and it was because there 's no communication between XXXX and the United States, so I could not make a payment when I was overseas. Those are the only delinquencies I have on my credit report. 
4. ) The inquiries on my credit have been for a purchase of a vehicle. I inquired for a vehicle loan within a month and this should not affect my credit report, please correct this.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automotive Credit Corporation (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted CFPB a number of times.Regarding inaccurate information being reported to all XXXX Credit Bureaus ( XXXX, XXXX, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.

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 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The state of Illinois put a lien on me for supposed back payroll taxes. This lien has been removed, as it should have since the taxes were estimated by the state and never owed in the first place, I had no employees during or since the periods in question. The Illinois Appeals board has removed the debt from me on XXXX/XXXX/XXXX. I have tried several times to get each of the credit reporting companies to remove this from my report but they keep telling me that it is still being reported by the state. I have and will attach a copy of the letter I received freeing me from the debt which I believe should also clear this from my report since these taxes were never owed in the first place. I have been fighting the state of Illinois since XXXX on this and should not have to have this phony tax burden hurting my credit it is making things very hard to move on with my life.

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 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion is Double reporting a collection 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 non-monetary relief
Consumer complaint received 10/20/2017 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had terminated a XXXX contract inXX/XX/XXXX and confirmed with them that I no longer had any balance on the account, after which I moved out of the country for a short period. In XXXX of XXXX, I began receiving debt collection calls on behalf of XXXX and was informed it was due to an unpaid balance of {$82.00}. 

I called XXXX and worked with them to find out they had erroneously left charges on my account that I was not aware of. When I asked why they had n't reached out via email, they said they 'd attempted to reach me on the disconnected number ( why, I 'm not sure ) and that when they could n't reach me they sent the debt to collections ( I C Systems ). 

Now, XXXX claims that it 's now " out of their hands '' and that I have to work with I C Systems. However, when I call them, they just repeatedly tell me " pay us '' and refuse to work with me otherwise. This has negatively effected my credit and my ability to obtain a line of credit that I would otherwise have been able to get. It 's very frustrating and am hoping that someone can provide some assistance.

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 02/22/2017 about Debt collection (I do not know) with Global Credit & Collection Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This agency Global Finance continues to call on a automated line on a daily basis and I 've called them to let them know that whoever they 're trying to reach I do n't know that person and to please STOP calling and they said that they would but I 'm still receiving calls asked them again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by J P Morgan Chase Bank for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I WAS CHARGED A MAINTENANCE FEE ERRONEOUSLY. I HAVE DIRECT DEPOSIT EACH MONTH AND FUNDS PUT IN XXXX ACCOUNT. THE BANK TOLD ME TODAY THAT I NEED TO HAVE THE DIRECT DEPOSIT PUT INTO BOTH ACCOUNTS. I ONLY HAVE XXXX ACCOUNT WHEN I OPENED IT YEARS AGO AND NOW THEY CLAIM I HAVE XXXX AND HAVE TO HAVE DIRECT DEPOSIT PUT INTO XXXX ACCOUNTS TO AVOID A MAINTENANCE FEE.

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 01-08-2017 about Debt collection (Credit card) with Alliance Data Card Services (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have gotten as many as XXXX calls from these people in one day. They call several times a day every few hours, sometimes as soon as 30 minutes later. I do n't answer numbers that are blocked because I do n't know who it is. My husband answered one time when I was away from my phone and they said it was Comenity bank. This is getting to the point of harassment. I work night shift so they are waking me up all day long. Also, I was under the impression that they are not allowed to block their number. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Consumer Loan (Vehicle lease) with Hameroff Law Group, P.C. (AZ).
Issue: Taking out the loan or lease

Complaint: I had a car financed with a friend, we were behind on making payments, but we were nearly caught up when XXXX XXXX XXXX decided to repo the vehicle. They neglected to tell us we still owed on the vehicle, this was back in 2012. This year XXXX has filed a complaint with the courts ( lawsuit ) back in XX/XX/XXXX they initiated contact at my work, they were asked not to contact me there anymore, they said I failed to the court proceeding and I did but incorrectly, they decided to send the letter to my job, my store manager was furious since we already told them not to contact me there.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: I have yet to see the proceeds from my US wire transfer created on XX/XX/XXXX, yet an ACH transfer has arrived and the Coinbase site says the wire transfer was completed on XX/XX/XXXX. They state that Wire Transfers only take a day or two to complete, but it has been two weeks and I have not received my funds. 

The amount was in the thousands and it was sent to my bank on the same account as my ACH, which did succeed, so I know the bank information is correct. I have contacted my bank 's wire department and they have no record of any wires for that amount over the past couple weeks - so it was n't an issue with the account details being incorrect, my bank had n't received any wire for that amount for any account. 

I first contacted Coinbase support via their support ticket tool on XX/XX/XXXX - but only received " canned '' responses for issues totally unrelated to mine. I responded to the ticket several times, and got a different " canned '' response for a totally unrelated issue, and eventually Coinbase stopped responding entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: On XX/XX/17, person X agreed to send me {$1100.00} dollars to purchase a few supplies for him. He sent me a total of {$1100.00} via the XXXX app. After confirming that the money has been transferred as indicated by " X paid you + $ '' I went out and made the purchase of the items for person X. I checked and saw that the balance went through and so I scheduled a transferred of the balance in my XXXX  account to my checking account. The next day, I notice that the balance did not go through as scheduled. I checked my email and found that my account got frozen with a request for me to send in my driver license to XXXX. '' I called XXXX and wanted to know what was going on. According to the customer representative, the person who paid me made an unauthorized transaction. In response to this, XXXX reversed the transaction and withdrew the balance from my XXXX account. How is this possible? Their website states " Once you make a payment to a registered user the funds are sent to the recipients XXXX balance for them to use. At this time, its not possible to cancel a payment thats been sent to a registered user in XXXX. '' This is obviously not true. it continues " Only in instances when the funds are still in XXXX system, can we reverse the funds with the recipients permission. '' This is also not true. XXXX reversed the fund without my permission. As a result, I 've lost {$1100.00}. The app also says " your withdrawal could be delayed or blocked if we identify an issue. It does n't happen often, but if it does we 'll send you an email. '' This is also not true. No email was sent to indicate that that there was a problem with my transfer. Instead, the only email I got was that my account got frozen without an explanation. I believe that XXXX violated their own policy and is abetting scammers. False advertisement is illegal. I did a simple XXXX search and found that many people are having the same problem, some are reported to the BBB. There are many websites out there specifically highlight this exact problem. I checked their app review on the XXXX store and again, many people are facing the same frustration. This is a class action lawsuit waiting to happen. XXXX must be aware that scammers are exploiting XXXX 's vulnerability but has failed to close this loophole. When you are aware that there is a problem and choose not to fix it, you are legally liable for damages caused by your inaction because your platform facilitated fraud. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/2018. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/2018. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! Thank you!

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