davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (WA)

I purchased a rug from Macys.com on XX/XX/XXXX using my Macys credit card. In XX/XX/XXXX I received my first statement and the minimum payment was {$27.00}. I paid the {$27.00} over the phone using the Macys automated payment system on XX/XX/XXXX. I received a confirmation number. My XX/XX/XXXX statement arrived and it stated, XX/XX/XXXX PAYMENT THANK YOU with a {$27.00} credit. I missed the payment date of XX/XX/XXXX. I received my XX/XX/XXXX statement and it had additional late charges and a minimum payment amount of {$99.00}. I assumed that this was because I was late in XX/XX/XXXX. I paid the {$99.00} on XX/XX/XXXX. Around this time I attempted to refinance my home and learned that Macys had reported a late payment. I re-examined my XX/XX/XXXX statement and discovered that I was two months past due. It said that my payment from XX/XX/XXXX, the pay-by-phone check, had been returned on XX/XX/XXXX, and this did not appear anywhere on my XX/XX/XXXX statement. I contacted Macys customer service to see what had happened. They told me that my XX/XX/XXXX payment had been returned. They said they would remove the late charges as a courtesy. I thanked them but stated I wanted the late payment removed from my credit report. I was connected to the credit department where they informed me I had entered my account number incorrectly in XX/XX/XXXX and that it took until XX/XX/XXXX to report to me that the payment had been rejected. But in the meantime my account had become delinquent and was reported and there was nothing they could do. I called Macys executive customer service and spoke to XXXX XXXX. I stated my case again and she told me that Macys was not in error and that there was nothing she could do. I had entered my account number incorrectly. I explained to her that the automated system only reads back the last four digits of the account number for verification ( and those four digits were correct ). I stated this was a flaw in their system and she said that it was for privacy purposes and that it was still my responsibility to make sure it is accurate and that Macys was not in error. I made a good faith attempt to pay Macys in a timely manner in XX/XX/XXXX using their phone payment system. I received a confirmation number ; an XX/XX/XXXX statement verifying my payment had been received, yet on XX/XX/XXXX I was reported to the credit bureaus as being 30 days late. They were aware on XX/XX/XXXX that my payment was not accepted and I should have been notified on my XX/XX/XXXX statement. After examining the facts I think Macys is clearly in error. I  simply request that this derogatory mark be removed from my credit report. I ask for any assistance you maybe able to provide in resolving this matter.
Consumer complaint received 2017-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MN)

Bought {$5000.00} worth of  XXXX  from Coinbase on  XXXX   XXXX .  XXXX  was promised to arrive in my Coinbase  XXXX  wallet on  XXXX   XXXX . It is  XXXX   XXXX  today and I still do not have the promised bitcoins. Funds were taken out of my bank account by Coinbase. Coinbase customer service is non existent.
Consumer complaint received 2021-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Reliant Capital Solutions, LLC (WV)

Borrowed {$8400.00} to go to college. 
XXXX  XXXX. 
Paid Student Loan in good standing {$120.00} a month from XXXX. 
XXXX  XXXX XXXX XXXX job in XXXX during the downsizing. 
Assumed that loan was in deferment. 
It was not. 
Several failed jobs for 2 years_company doors shuttered in my face without paying me. 
Sold everything. Moved to XXXX. Got 2nd hand car. Got job at a XXXX XXXX XXXX in XXXX. 
Lived in the employee dormitory at the XXXX XXXX XXXX. 
Got full time at XXXX XXXX XXXX, 3 years later. 

VOLUNTARILY picked back up Student Loan Payments. 
Was told by a Representative of the Dept of Ed., that if I made 12 straight monthly payments of {$120.00} a month that my Student Loan would come out of default. 
It did not. 
I paid {$120.00} a month from XXXX - XXXX and the loan never came out of default.

Economy Crash. 
Lost great job in XXXX XXXX. 
Bankruptcy XXXX. 
Lived at an  XXXXXXXX XXXX where I got a roof over my head & food, a little pocket money for 10 years. 

Now my Social Security is being garnished when I became eligible to collect it. 

I paid approximately {$8600.00} on the Student Loan from XXXX when it was in good standing. I can not contact the Dept of Ed directly to get an exact amount. 

I paid $ XXXX in VOLUNTARY PAYMENTS + Tax Refund offsets from XXXX. ( I have the print outs ). 
TOTAL OF {$23000.00} paid for borrowing {$8400.00}. 

Enough is enough. They still want $ XXXX more dollars. I can't contact the Dept of Ed directly_only the Collection Agency.

I feel like this loan is paid 2.5 times over and they still come after me. I have {$750.00} a month to live on after their garnishment.

My credit score went back up recently & I know that wouldn't happen IF I STILL OWED THE GOV.

The Govornment has crashed the economy twice in 20 years and now the PANDEMIC. 
They give out free PPP  money_BILLIONS OF DOLLARS in loans that don't have to be paid back by businesses that could have weathered this storm with their own resources instead of draining the Treasury of tax payer funds. 
Yet_they garnish my only source of income & I have to live on {$750.00} a month. 
I've paid them {$23000.00} for an {$8400.00} loan & they won't relent. 
There is something basically wrong here. 

Legal Aid told me I had to pay it or die whichever comes first. 
I told them that I think it is paid 2.5 times over. 
They dont agree. They say pay it or die. 
What is wrong with this country? 

Its not like I borrowed {$100000.00} for a vanity degree & reniged on payment because I work at XXXX XXXX. 
I HAVE PAID A LOT OF MONEY FOR AN {$8400.00} LOAN ALREADY. 
IT'S A MORAL ISSUE. 

Any help appreciated. 

Companies involved> Dept of Education Reliant Capitol Solutions
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I reached out to BOA on or around XX/XX/2020, and requested assistance due to Covid-19, related illness and requested : deferrment of payment, reduced monthly payment, waiving of any late fees durig the foreberance period. According to BOA an deferrment of payment was granted. Although I still made payment during this period BOA marked and reported the account past due to credit bureaus without explanation and consideration although a deferrment of payment was granted payment were still made during this period. BOA refused to correct the past due information with the credit bureaus. BOA is XXXX profiling consumers and intentionally lower credit scores of XXXX XXXX  credit card holders which is blantant XXXX.