milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16 received notice from PNC Bank of delinquent account for XXXX. Contacted PNC Bank and received agreement dated XXXX XXXX, 2016 for payment of {$30.00}, which was accepted by PNC Bank for payment on account for XXXX/XXXX/16. Received letter dated XXXX/XXXX/16 from PNC Bank informing me the account was no longer permitted to be drawn on. This is not correct, PNC Bank entered into an agreement prior to the decision of XXXX/XXXX/16. Asking for account to be returned to unrestricted status.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: I contacted Transunioin and XXXX about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.

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 04/14/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (AL).
Issue: Managing the loan or lease

Complaint: I co-sign on a loan with KIA Finance for my son. They initially started off with misrepresentation by telling me if I cosigned for my son for 6 months they would be able to take me off the loan. Later I found out that they could n't take me off and he would have to find someone to refinance the car in his name only. Now over a year later, I contacted my son so he could make a payment of {$310.00} by XXXX/XXXX/XXXX so my credit would not be messed up. I got the amount off of their website in the amount due column. Today I notice that the {$310.00} was paid but it was still showing us {$78.00} past due. It appears they took the {$78.00} out and applied it to a nsf charge that was done on XXXX and another nsf charge that was paid on XXXX/XXXX/XXXX. One of the agents said that whoever put the payment in put it in incorrectly and they can not apply part of the reg payment to nsf charges. I also asked if he owed these charges why did n't they take it out of the payment when he over paid in XXXX and XXXX. I asked if they could reverse the payment so that it will not show past due and they said they could not. They are giving me a credit for {$30.00} and I do appreciate that but it still does not help with the affect this will have on my credit. They told me that they could apply the funds paid any way they wanted to. I explained to them that one of the charges did n't occur until the XXXX of XXXX so we would not have had knowledge of this until the next statement was issued and the other charge should have been took care from the overpayments in XXXX and XXXX. Right now I am trying to get the {$47.00} up so my credit will not have any negative marks on it. I am totally confused at Kia 's misleading business habits. It is very upsetting to pay what their website asked for and find out the funds was mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Lates were reported on my credit report for XXXX XXXX. The lates were XX/XX/XXXX-XX/XX/2010

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 04/18/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My  XXXX  payment for the ford motor credit account was not late. the consumer reporting agency equifax False reported a late payment to ford motor credit. the payment is due on the  XXXX . I made the payment on Friday the  XXXX  which was a Friday, a holid ay (   XXXX   XXXX   ). o n sunday the  XXXX  equifax reported a 31 day late payment. there is no way that ford mortor credit reported a lated payment, they were closed for the holiday. The company also put on my account that it was already paid on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: agreed that they would take this discrepancy off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: After checking my Credit report there is a question about XXXX ( credit Card ) application that I did not apply for.

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 08/26/2015 about Debt collection (Medical) with AmeriCollect (LA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX XXXX XXXX XXXX never sent me a bill for a ER visit that occurred on XXXX. Yesterday, out of the blue, I received a letter from Americollect for {$78.00} that went to collections from XXXX. 

Yesterday, immediately after receiving a collections notice, I faxed and emailed both Americollect and XXXX XXXX XXXX XXXX requesting for debt validation. I have also filed a complaint with the XXXX and the Louisiana General Attorney for XXXX practices. 

Today, at XXXX, I received a phone call and voicemail from Americollect . I know that it is illegal for collections agencies to call outside certain hours. Furthermore, I have already contacted them in writing, both by email and fax, that I would like debt validation and also notified them that I am in the process of filing a complaint against the original creditor.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Got a call yesterday from American Medical Collection just an FYI the rep was a XXXX man and he had a very rude way of talking to me. Said that I owe XXXX and that I needed to pay this today and if I did n't make an attempt to pay this off that going forward there was n't anything he could do and that they would per sue with legal actions against me. I told him that I 'm on a fix income and that I could n't afford to pay anything at this time. And he said well I guess we 'll have to levy your bank account cause regardless XXXX XXXX we 're going to get the money that is owed one way or the other and then he hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have battled the complete incompetence of XXXX for over a year. 
I was hopeful after receiving an email from them on XX/XX/XXXX email that this unbelieveably XXXX mess wth my account and more importantly, my credit reports, would FINALLY be corrected and I could put this behind me. However, just when I think it 's not possible to make a bigger mess of things, XXXX manages to do just that! I received notification today of correction/updates to my credit reports so, with high expectations, I proceeded to pull and review the corrected credit reports. Can you even imagine the utter frustration I felt when I realized that my XXXX credit report, the XXXX bureau that had previously been correct, is now INCORRECT. XXXX, against the laws of the FCRA has been reporting a 12 1/2 year old bankruptcy to the credit bureaus. In my last correspondene to them I indicated that all but XXXX had been corrected and asked them to get that correction taken care of immediately. Because no one took the time to actually read ALL of my previous correspondence via letters and email, XXXX incorrectly REMOVED my current account with them from my credit file with XXXX ... .WHY??? The information contained in my XXXX REPORT WAS CORRECT as I had told them numerous times. XXXX NOW shows only XXXX XXXX account and it shows that account as CLOSED! In an email from XXXX they specifically indicated in paragraph XXXX : '' As a result of this conversion, you will have XXXX XXXX trade-lines ; XXXX prior to XX/XX/XXXX and the other post XX/XX/XXXX '' and that all Bankruptcy remarks on ANY accounts would be removed. 

The problem is that now my current/open account with XXXX has also been deleted. This error has lowered my XXXX credit score XXXX points!!! 

A CORRECTION NEEDS TO BE MADE IMMEDIATELY TO MY XXXX REPORT ONLY adding my current/open XXXX account back to my credit file WITH NO REMARKS!! 

**I tried to address this with XXXX directly, but I might as well have been talking to a stump! 

NO OTHER CHANGES TO ANY OTHER CREDIT BUREAUS SHOULD BE MADE! 

Please, please, please I need your help! 
Thank you! 
XXXX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have disputed my payment history being reported incorrectly on all XXXX of my credit files. I have never missed a payment due to the fact that all of my loans have been in deferment and/or forbearance throughout the life of loans. My credit report indicates serious delinquency on my payment history ; however, the XXXX reports the correct information. Which indicates that I have never defaulted on any of my loans and/or missed payments. They are ruining my credit score. It is bad enough that they report each loan individually on your credit so it appears that you have multiple installment loans open with high balances. ( XXXX University )

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Fraud or scam

Complaint: Date : XXXX/XXXX/XXXX Transaction : Show additional information for activity type transfer XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX Merchant Info : email : XXXXXXXXXXXX Phone number : XXXX I made a transaction with a XXXX merchant for concert tickets that I never received. The transaction was executed using Bank of America mobile app that uses XXXX. I do not have a XXXX account but the merchant does. After the transaction was made and I did not receive the promised goods, I called Bank of America right away. This was still on XXXX around XXXX EST. 

At this point, the transaction was still in " Processing '' stage. The banker told me that they can not do anything about it because it was in the " Processing '' stage. He/she told me to wait until the transaction was completed and to call XXXX XXXX ) bofa to file a dispute claim. 

After the transaction completed, I called again on XXXX. The new banker on the phone said that they can not do anything because the transaction is no longer " Processing '' and the money has made a final deposit already. The banker suggested to file a police claim for additional legal advice and that they will try to contact the receiving scammer end for a return on the amount. A police report claim number has been made upon my behalf. Please contact me for more information on that. 

Since Bank of America could not help me, I called XXXX. The support representative said that because I do not have an official account with XXXX, they can not help me either since this was done through Bank of America. 

In any case, I believe that Bank of America could have done something while it was still in the " Processing '' stage and stopped the transaction, but misinformed me, their customer, about their procedure.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On XX/XX/XXXX, i filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on My report. Specifically the two bankruptcies XXXX & XXXX. The Agency - Equifax then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I  proceeded to ask for a Re- investigation on XX/XX/ and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/ at XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/ at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Equifax. Their own two agents XXXX XXXX on XX/XX/ at XXXX and Previously XXXX XX/XX/2018 at ; XXXX could not provide information on the steps and method of verification the company used to verify the information. 
The only clear thing is that the Equifax is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NC).
Issue: Other transaction problem

Complaint: My Coinbase.com account was locked with no explanation. 

When I try to log in to Coinbase, I get the message " Sorry, account temporarily disabled.  Please contact support. '' I am filing this complaint after opening a customer service ticket ( I can provide the ticket number if needed ) with them and no action from them regarding the situation. I 'm not sure of the exact amount of money I have in Coinbase since the value of the cryptocurrency fluctuates and I check the amount in Coinbase, but it is approximately {$1200.00}. 

My acct was disabled on or around XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Consumer Loan (Title loan) with HSBC NORTH AMERICA HOLDINGS INC. (KS).
Issue: Charged fees or interest I didn't expect

Complaint: I was in debt for about {$20000.00} in XX/XX/XXXX. I did not know what to do so I went HFC a loan company to borrow this amount of money to pay off the debt. XXXX, the HFC employee stated that I could the money as long as I gave HFC my car title. I gave HFC my car title and I received the money to pay off my debt ; however I have been on this loan for over 8 years. I have not missed any payments until XXXX/XXXX/XXXX. This debt amount has grown to {$25000.00} instead of going down. This amount should have been off within 5 years or less. I believe I have scammed and I would like help to cancel this debt since I have paid more on it than the amount that I borrowed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called TransUnion as well as sent letters asking them to remove all unauthorized inquiry from my credit report. Which then they turn around and send a letter pretty much saying they wont remove them. Which I know by law that, that isnt true they have to remove any unauthorized inquiry.

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 09/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We bought our house in 2005 in benefit of our family. We have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all the responsibilities. I was sick and XXXX. CITIMORTGAGE owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP Trial Program. CITIMORTGAGE told me to continue making my payments without skipping any payments. I continued making my payments every month for about 14 month, but they continued asking for the same documents over and over. Every month I asked them when will I get my final approval and the answer was that We were approved they werejust waiting for another department to finalized the paperwork and they will send my final approval by mail. Aftermore than a year CITIMORTGAGE Transferred of sold my loan to XXXX XXXX without asking me or telling anything about my pending Loan Modification that we were approved. It was until maybe 2 months later when I received a letter from XXXX XXXX saying that they were my new lender. This is a breach of contract. XXXX XXXX said the could not process my payments and I have to start all over again!!!!. XXXX XXXX said that they could not honor my payments because they did not have my file. CITIMORTGAGE intentionally sold the loan to XXXX Bank XXXX now XXXX XXXX did n't want to process the loan modification. and they want to foreclose on my property. this is a totally abuse from BOTH BANKS ITS NOT ACCEPTABLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Wells Fargo created a separate checkings County under my name with out my knowledge, and they charged me for opening that account. I ca n't even use the debit card attached to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I Have never been employed at 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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: hello my name is XXXX XXXX i feel discriminated. here i explain in age and nation origin also my XXXX condition. I 'm am a young man that never applied for credit card and soon i will be going to school it is not right that i been denied by a bank name chase. when i was in high school all my friends had chase and i feel chase i like to have credit card but i applied three times i been denied by the credit card application i really feel discriminated is not right that every one else get one and i do n't. the chase bank do n't let me have credit card is not right also is not fair that every one get credit card with chase and i do n't. I 'm a young man is not right a bank of chase i always wanted to have credit card with will not accept me i feel is not equal for me feel left behind. i just writing how i feel against the bank of chase really wrongful the bank denied my application. I 'm a young man trying to start with school trying to get a good credit with chase and now been three times is not right for me also how i feel. really feel discriminated starting a future really seriously not correct what how I 'm feeling. located XXXX XXXX XXXX XXXX, XXXX, FL XXXX Chase Bank ( XXXX ) XXXX or XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation