milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken especially with regard to the credit inquires. A proper investigation has yet to take place if this complaint is closed without proper action being taken by your company I will seek legal means to take action against your company through the judicial process. I have attached a police report verifying that I have had numerous accounts that had been opened fraudulently while serving in the XXXX XXXX. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable {$2500.00} per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. 
First I want to address the Current Address my current address is and has been for 6 years : XXXX XXXX XXXX XXXX SC XXXX I have never resided at : XXXX XXXX XXXX XXXX SC XXXX I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA. The accounts and inquires that need to be removed are as follows : XXXX account # : XXXX Condition : Closed Balance : {$0.00} Type : Auto Loan Pay Status : Current XXXX XXXX Account # : XXXX Condition : Closed Balance : {$4400.00} Type : Credit Card Pay Status : Late 90 Days XXXX XXXX Account # : XXXX Condition : Closed Balance : {$3600.00} Type : Credit Card Pay Status : Late 120 Days XXXX Account # : XXXX Condition : Derogatory Balance : {$0.00} Type : Pay Status : Collection/Chargeoff INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH XXXX XXXX.

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 01/18/2017 about Consumer Loan (Installment loan) with CHECK INTO CASH INC. (MO).
Issue: Problems when you are unable to pay

Complaint: I was told I was only giving permission for Check into Cash to ACH upon my request. I was verbally assured they would not ACH without permission. I am requesting to withdraw my permission for them to ACH my payment and they refuse to tell me how to do so. They also debited my acct prior to my due date and stated that was the policy. I have no issue paying what is due but they are not following what I believe they stated their procedures were. They amount they debited has also increased without informing me. Their rep states she calls multiple times, day after day without any response from me so she is forced to debit my acct. This is also untrue. I made them very aware of my work hours and that I am unable to answer at those times and I always call back as soon as possible. She states that is what prompts her to ACH debit my acct when in actuallity she only contacted my once the morning my payment was due and did not leave a message. She has not called back until 4 days later after the payment was debited. When I returned her call today she stated she called to " make sure '' it was ok they debited my acct. They ACH was sent through on XX/XX/2017. She called on XX/XX/2017 and left no message. She did not contact me again until today and I returned the call promptly after work hours. The debit was NOT done because lack of communication as she states. It was done prior to the due date and prior to any contact from their office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I paid the balance of my Citi Diamond Preferred card in full. The payment was made through the Citi online portal. The representation was that my balance had been paid in full indicated by choosing the " Pay your entire balance '' & " {$0.00} owed ''. As well, my balance available for purchase after my payment was the full amount of my credit line. I have not used my card since paying the balance in full. 
On XX/XX/XXXX Citi Card charged additional interest fees, presumably the finance charge from the previous month. On, XX/XX/XXXX Citi notified me that I was delinquent on my payment. Upon contacting Citi I was informed that 2 late fees were assessed on top of the interest charge from XXXX. I spent over 1 hour being transferred back and forth between departments who could not explain the charges to me plainly. I was told that Citi could not tell me how the entire balance represented on the account had been calculated and that they would not be able to remove any of the late fees. We settled on a nominal balance that represented double the interest charged originally. I still did not receive a clear explanation of what this amount consisted of.
I understand that I am responsible for paying the interest for purchases that I made however, I feel that I have been unfairly charged late fees, as well as unknowingly causing potential harm to my credit to benefit the bottom line of a muti-billion dollar bank.
The process of paying a nominal ( under {$20.00} ) interest fee was exhausting and in my opinion completely unnecessary. I feel that Citi purposefully designs their customer service lines of communication to deliberately frustrate and confuse their customers so they will relent and pay erroneous and exorbitant charges.

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 04-10-2016 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My parents continuously get phone calls from Portfolio Recovery! They harass and call there phone several times a week. I have n't lived at this previous address or with them for over 25 years. They have even contacted my brother. This needs to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Good morning, My School XXXX is now closed due to a federal investagation. While Attending, they made me take out " Private '' and " Federal '' loans in order to complete their program. I am currently repaying back the private loans at this time and they are current and not in default. Will I be able to get my private loans discharged in this matter please help?

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Other transaction problem

Complaint: coinbase are asking for a sms code but my phone is not receiving a code since they updated my number but the wrong number was updated so i want it to be reupdate to the System as XXXX im only XXXX that 's why my account was shut down i want to acsess my fund to another adress please update the number i want to acsess to my bitcoins i left and they are not responding or helping in any way

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Student loan (Non-federal student loan) with Genesis Lending (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My son attended XXXX college in XXXX, Wyoming in 2011. As we ere there to drop him off for the start of his college career they ushered us through these lines and threw out a lot of information and had us sign multiple papers without explaining them to us. We felt like we had no alternative for financing his education. With extremely high rates as well as origination fees and me having to co-sign and make payments the entire time he was in school. We have tried negotiating the interest rates but to no avail. We feel like predatory lending is at its best here and we would like help in getting this resolved immediately. My son is struggling to pay which in turn has affected my credit which is unfair.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (I do not know) with Stephens and Michaels Associates, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A man named XXXX XXXX from Steven and Michealson Associates keeps calling me regarding a debt that I do not know anything about. He keeps persistently trying to tell me that I work for some company that I DO NOT WORK FOR! He is harassing me and my family. He calls numerous times despite me informing h I do not know what he 's talking about. He leaves numerous voicemails daily on my personal cell phone. This is outrageous and needs to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/2017 Americredit Financial made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a certified letter requesting verification of the alleged debt. I have not received proper documentation. I also sent a letter requesting cease and desist and continue to receive calls from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Advertising and marketing

Complaint: Chase markets a " Slate '' card with a no fee balance transfer and 0 % APR for 15 months. This is found via XXXX. Chase 's online application process walks you through steps that include a request for balance transfer. Chase 's process is to bait the consumer with a rate/fee available, to then take information for purposes of a credit check, then to step the consumer through a process of obtaining the card, and only then AFTER the card has been issued, to inform the consumer that they do not in fact qualify for the " premium '' pricing that is marketed for the card. In other words, Chase 's online process does not permit the consumer an option to decide whether to accept the card, given the actual pricing, before the card issues. I called Chase immediately and registered this concern, and they cancelled the account without charge. Nevertheless, this impacts my credit report and is deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Advertising and marketing

Complaint: I had two cards with CapitalOne. My basis for applying for these cards were their reasonable monthly payments. Capitalone has a credit card calculator that you can use to calculate length of time to pay down a card, using the payments. This is what I used : it can be found XXXX also of the understanding that CapitalOne charged either XXXX dollars minimum payment, or 1 percent of the total balance each month. What Capitalone does not make readily transparent is the " great than '' clause they have for cardmembers. For example, I had a card with a {$2900.00} balance. The first month, the payment was XXXX ... the next month it nearly tripled to {$84.00}, even though the card 's balance only increased by XXXX to XXXX. I spoke online with an account specialist named " XXXX '' who could not determine exactly where the numbers were coming from, so she transferred me to her " supervisor '' by the name of XXXX who informed me that the payment was the " greater of the two '' ... 1 percent of your balance PLUS interest PLUS fees or XXXX. I have never paid such a high monthly payment on a credit with only a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: Neiman Marcus Dispute Customer since XXXX, no missed payments. 
On XXXX I checked my Neiman Marcus / Capital One account to see if the Credit was issued on my account for a return " Claim Complete Credit '' for package not received only to find my account was CLOSED due to " High Returns ''. 

This claim has been going on for a month and still no credit. As of today XXXX I have yet to receive a refund. 

I have had to escalate this on multiple occasions to get someone to take care of it and still it has n't been resolved. 

My high level of returns is due to 99 % of my purchases are done online. Items returned do to fit or item not as described. 

I feel my account has been closed due to the multiple escalations to management for the still open claim. 

Furthermore, I am being damaged by Neiman/Capital One on my Credit Report in the form a decreased credit score from the abrupt closure of my account. I take great pride in maintaining a high Credit Rating and will stop at nothing to insure that my rating remains in good standing. Please find the attached documents which I have sent to Neiman Marcus Card Services. 

Please see attached letter, which has also been sent via USPS certified mail. 

About $ XXXX yet to be refunded / credited by Neiman. Please read attached letters before contacting the consumer. Silence is acquiescence

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: After doing business with them for many months, Coinbase now refuses to authorize my ( previously valid ) account and claims that my address is invalid, when it in fact is not. They have effectively locked in excess of {$17000.00} of my personal funds and deny me access to it. I can not trade, buy, sell, or transfer funds from my account to my previously validated bank account. I believe this is an intentional policy, designed to manage cash-flow.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (I do not know) with Esser, James & Associates (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX, 2016, XXXX XXXX from Esser James & Associates called my brother 's home and spoke with my sister-in-law. He told her that legal action would be commenced against me and that my social security was going to be investigated. He also told her it was a time sensitive matter and threatened legal action if I did not accept his " help. '' I have no idea what this is in regard to and have no record of him attempting to contact me directly. He shared my information with a third party, but never identified himself as a debt collector nor did he ever advise that the telephone conversation would be monitored or recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: On Thursday, XXXX XXXX, 2016, I opened a " Bank of America XXXX Checking '' account and a " Regular Savings '' account online. This same date, I received an email notification titled " Online Application Has Been Approved '' along with the ability to access and create my online login ID, which I did. This same date, I mobile deposited the only funds I had, my payroll check, to my newly created checking account. The bank put a hold on my money, so I reached out to online chat to inquire why and was told the funds would be available the next day, Friday. The next day, I attempted to login to my checking account to determine whether the funds were available and could not access the account. I again reached out to the bank via chat and phone and after being given the run around for nearly an hour, found out they closed my account without notice and had my money. This same date, my mom went into a local branch to speak with the branch manager regarding these events, and was unable to get any useful information. I checked with my current bank, XXXX, and do not have any negative or derogatory financial marks against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: In XXXX 2015 we left our apartment in XXXX as our lease has ended. Before our last day the property management requested for a new mailing address in case they needed to contact us so I provided our new home/mailing address in XXXX, MD. Months have passed and I received a refund check from the apartment amounting to {$20.00}. In XXXX 2015, my nephew, who was also on the lease, found out that there was a derogatory report from XXXX XXXX amounting to over {$500.00}, I checked my credit report and I had it too, my friend, who was on the lease, had it too. We found out that it was from XXXX XXXX Apartment. I immediately contacted the apartment to inquire about this debt and asked them why would I receive a refund if we owe money to them. They could n't give me a clear answer and i was told that they would just notify us after they found out what was going on. We waited for 2 weeks and we didnt hear from them. On XXXX XXXX i contacted them again to follow up. They told me that we owe money for cleaning fee, unpaid untility bills etc. But i asked them why they never informed us regarding this debt, their answer was they sent the statement in XXXX but never heard from us. I told them that I never received anything and I wanted to see their mailing receipt but according to them they sent it via regular USPS mail so there was no receipt. I asked them again why they did n't try to contact me via email or phone before sending it to collection but they didnt say anything. It looks like they didnt exert effort to reach any of us before deciding to turn the debt over to the collection ruining our credit. 
We never received any letter from the collection company too! The property manager sent me an email telling me that they will contact the collection to hold the debt and remove it from our credit for 30 days and we have to pay the debt within that period of time or the adverse report will be back on our credit. We are not running away from the unpaid bills ( if any ), our main concern is the derogatory report that they made and prevented us from making loans, apply for credit cards, etc. for 5 months without our knowledge. We believe that this is not a fair practice of credit reporting and we strongly believe that the people who mismanaged this issue deserve disciplinary action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation