milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AZ).
Issue: Unauthorized transactions or other transaction problem

Complaint: I opened a Coinbase account in XX/XX/XXXX I purchase Ethereum {$1500.00} worth. Then I purchased Bitcoin {$2500.00}. I also purchased {$1000.00} in Lightcoin. I called in after the purchases at the time the company usually answer the phone right away. I communicated with employee at their XXXX at this time i called to see about fees on Ethereum purchase. The Coinbase Rep explained it to me and then asked if a two tier Representative in Finance could called me within 30 mins. I said yes. At this time he called me convinced me to buy to Bitcoin for {$25000.00} dollars and that Bitcoin would be {$40000.00} buy XX/XX/XXXX The reps or thieves put one of the Bitcoins in my account at Coinbase I saw in my account acceptable to my XXXX XXXX XXXX Account or XXXX XXXX Account. I only recieved to my accounts. Next thing you know my computer was on I look up to see! Bitcoin was transferred from my account without my knowledge. A {$18000.00} dollar transfer with no calls ne emails nothing. I called Coinbase for weeks. They were not answering phones this whole time which enabled this Fraud. I could not get through for weeks. Now that they answer they tell me a 2 level person handling my account will be in touch. They tell me dont file complaints or I will be Blacklisted, Help

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (I do not know) with Machol & Johannes, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I believe Machol & Johannes, representing XXXX XXXX XXXX, knowingly pursued a judgement against me that was past the statue of limitations in Colorado. In addition, the proof of service filed with the court was fraudulent and may have been fabricated. They have not provided me proof of service as I have requested XXXX in writing. There is no judgment or other indication of collection efforts on my credit report as required by the Fair Credit Reporting Act. They refuse to supply me with debt verification, hence I can only conclude that the lawsuit was filed and judgement was obtained illegally. The firm is claiming that I waived the statute of limitations by failing to file an answer prior to judgement. However, due to XXXX their failure to serve me & my ignorance of civil procedure at the time, I did not have the opportunity exercise my right to defend myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: While reviewing my credit report I discovered GLA Collection has placed a derogatory item on it. They state I owe {$63.00}, however will not provide any proof showing my signature as mandated by law. I have sent them XXXX letters requesting proof and they can provide me what the law mandates. I plan on suing this company if they do not remove all derogatory information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I defaulted on an AAFES credit card with a balance of {$6800.00}. The matter was turned over to XXXX for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). XXXX first garnished my military XXXX for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXX and in XX/XX/XXXX XXXX garnished my wages from XXXX XXXX XXXX and are still presently doing so. In XXXX of this year XXXX garnished my military XXXX once again and are now garnishing both my work wages and my XXXX, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from AAFES which shows just last month they collected {$830.00} from me. 
I have spoken with XXXX on several occasions and they will tell me nothing, simply refer me to AAFES. AAFES told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. AAFES only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that XXXX collected a substantial amount from me without forwarding all they collected to AAFES. AAFES offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.

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 07/25/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Sallie Mae has not honored my payment allocation request after repeated written requests submitted with my payment. I want the difference between my amount due and the payment I send in to be applied to the principal balance, yet they continue to apply it to future payments and send me bills with a {$0.00} amount due. I continue to make higher payments because they have my payment amount set at {$59.00}, and the monthly interest/fees are {$58.00}. At that rate it would take the rest of my life to pay off this loan. We have called several times and were told they would change the allocation, but they have still not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Im stuck financing a car with a XXXX % interest rate because i didnt know to much about interest or value or cars back then now that i know i want to get out of it within the last year I 've paid {$4800.00} in interest amd little to {$800.00} towards the princlple ... Dealerships tell me they cant buy my car until I pay {$5000.00} towards the interest I paid {$15000.00} towards the car and currently at {$14000.00}. I do n't have the money to keep making the $ XXXX monthly payments so was thinking of going to a side dealer, they told me they 'll give me {$7000.00} because thats what they could buy it at the auction for. This would leave me with the negative balance of {$7400.00} to pay back ontop of what theyll give me XXXX {$9000.00} Car im looking into ). I considered this option to see of it 'll get me out of the deal with this terrible interest rate im literally stuck with this interest rate and high payments to where i cant even pay extra towards the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Student loan (Private student loan) with Social Finance, Inc. (OH).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: I originally applied for a XXXX refinance loan of my parent 's PLUS loans on XXXX XXXX after receiving advertising the mail for several years. I was preliminary approved. Then it informed me I could save with a co-signer so my dad agreed to be added to the loan. It then told me that with my dad, I would save 0.41 % on the interest rate, with the new rate being 5.115 % with automatic payment. That sounded good so I uploaded my income documents and a copy of my drivers license and told my dad that when I went out to his house, I was going to need the same from him. After I uploaded my documents, it came back and told me that I could get 5.115 % with or without a co-signer. This did n't sound right so I called SoFi as well. The representative confirmed that I would get the same rate with or without. So I decided to proceed without. 
Over basically the next 2 weeks, XXXX requested various documents including a letter from my father indicating that the original loan was a XXXX loan. Why did they not ask for all this at once? My father is XXXX and does not scan / email documents so I had to drive an hour one way to his house to get documents that would have been a lot easier if they asked for when I originally told them it was a PLUS loan and they asked for a letter of direction. 
Finally, after 2 weeks ( in which they indicate it is about a 4 day process ), I received notification that a new offer was on my loan. When I contacted XXXX, I find out that since I removed my father from the loan, the income went down and so my rate was going up to 5.525 % with automatic payment. 
They never said XXXX word when I talked to them about my father being removed that I needed his income to qualify for that rate. They have known what my income was for over 2 weeks. 
I sent an email to their customer service and did not get a reply so I logged on and chatted with a representative. She reviewed my information and agreed that I was told wrong information but said there was nothing they could do but I could add my father back if I wanted. I am not drive another hour one way to get a paystub and drivers license when I could have done that with the previous trip. 
She then advised me to call in. I strictly told her that if I am calling in to get the same information I would not be happy. She said to call. 
I called in and the representative told me the exact same information. 
I told both representatives that this appears to be deceptive and unfair, a complete bait and switch, and that I was filing a complaint with the CFPB ; however they said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with Herbert P. Sears Co., Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company previously responded to this issue via complaint id # XXXX but has still failed to take action based on the response provided. Since receiving the response that the information would be received from my credit files I pulled an updated version of my credit report today, XXXX/XXXX/17, and the account is now showing as account information disputed instead of being deleted from my credit reports.
HP Sears at this point has not only failed to provide validation per 15 USC 1692g Sec. 809 ( b ) of the FDCPA that this account belongs to me but they are also now setting false pretenses by claiming that information will be removed and they still take no action to remedy the situation. This action could possibly constitute fraud under both federal and state laws. Due to that fact, if the negative reporting continues on any of my credit reports by HP Sears my next step will be to review what legal actions can be taken in regards to this direct Violation of the Fair Debt Collection Practices Act.
I have attached files that show the previous response received from the company in regards to this negative account. I have also attached the updated credit report I pulled today that does n't reflect the account being deleted from the report it now shows the same negative account information with a comment added stating that the account is disputed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is the only company that repeatedly says I do not know my own information, therefore refuses to allow me to access my account online to be able to dispute inaccurate information. Disputed information with XXXX zero problems. Equifax asks verification questions I am answering correctly, yet they say it " does n't match their records. '' This is done purposely, and is fraud. XXXX of the questions they asked were about a mortgage I 've never owned. Answered None of the Above. XXXX was about the auto loan I just paid off. Answered that correctly. XXXX was about a credit card opened. Answered it correctly. So you see despite giving the correct information, Equifax refuses to allow you to dispute inaccuracies easily in the same fashion as everyone else. PUT THEM OUT OF BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Multiple dispute attempts have been made to XXXX and Equifax to delete information this is not mine off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Credit Karma, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX XXXX is it 's not my address can you please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (I do not know) with Check Security Associates, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from XXXX XXXX regarding asset location. They asked to confirm the last XXXX of my social security and DOB. I told them that info did not match me ( it does not ). They became abusive and accused me of lying. They then call my place of business and talked to my supervisor, telling her I was a liar. I am not. They have called me at home, on my cell and at work numerous times and just wish them to stop. I have told them repeatedly that they have the wrong guy but they always become abusive and I just hang up. This should not interfere with my work, let alone my private life. The person they are looking for, if the ss # and dob they have is correct, is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: repeated calls with no message just today XX/XX/2016 XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (MN).
Issue: Loan servicing, payments, escrow account

Complaint: BB & T has a policy where, if the full amount of a mortgage payment is not received, they place the payment they did receive in a suspense account rather than crediting the partial payment to the mortgage loan. They leave the payment in suspense until subsequent payment is received ; they then deduct the shortfall amount from the current month 's payment and add it to the prior month 's payment and apply it to the loan and then move the current month 's payment into suspense. In our case, our payment increased due to an escrow increase ; we did n't realize that when we paid the escrow shortfall in full that our payment amount was still increasing, so we did not change our monthly remittance. As a result, we now have negative information that was reported to the credit bureaus making it seem as if we have not been paying on our mortgage at all. I believe the payment application process is an improper business practice.

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 01-08-2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a call from a man who said his name was XXXX & he was calling from American Express. The original phone number he called from is XXXX. I told him I could n't talk when he called me at around XXXX XXXX. on XXXX XXXX, XXXX. He called me back at around XXXX on XXXX XXXX, XXXX. The phone number he gave me to call him back is XXXX. 
He was trying to set up payment arrangements to pay 60 % of my total debt. He then proceeded to tell me I could make a monthly payment of {$35.00} for the next 6 months to pay off my debt. 
He then told me to go to XXXX to get a prepaid card in the amount that I owe. When I get the card, I should call him back & give him the prepaid card number. 
He asked me to verify my mailing address. I asked him what was showing on file & he would n't give me that information. I gave him my mailing address. 
He then told me I could pay the full amount at the following website : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (FHA mortgage) with loanDepot.com, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: Last year my husband and I bought a house. The loan was done through XXXX. When did applied for the FHA loan we were told by the loan officer XXXX XXXX, that we qualified for a Mortgage Credit Certificate based on being a first time home buyer, credit income and income requirements. A year later as we are doing our taxes we realized we never received the MCC certificate. Later after investigation we find out the loan officer never processed the MCC application with the loan. Therefore, now every year we file we can not claim that tax credit which is 20 % of your annual mortgage interest will be a direct federal tax credit, resulting in a dollar-for-dollar reduction of your annual federal income tax liability.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I recently received a copy of file from ChexSystems. After reviewing the file I find that they are allowing unauthorized access to my file. There were over XXXX inquires to my file that I was not aware of and unauthorized. In addition, they are reporting bank accounts that were charged off and others that should have never been reported. The following banks have inaccurate listings : XXXX, XXXX, and XXXX. As a result of this I was not approved for a business bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Customer service / Customer relations

Complaint: My name is XXXX and i am writing this on behalf of my father XXXX XXXX. On Sunday, XXXX/XXXX/2016 at approx XXXX EST, we called Chase bank at XXXX to activate his chase card. My father is XXXX years old with XXXX. He needed my assistance in this activation as he did with the the submission of this application for this card. when we called, i identified myself to the chase employee who said that there are translator services so that i could not help him with this activation. the translator beeped in and my father was having a hard time understanding him. i explained to the chase employee that my father was having a hard time understating the interpreters dialect and that spoken XXXX is not all the same, she asked what was thew preference, i told her XXXX. she put us on hold again and another translator beeped in and he could not understand him either. the chase employee failed to see that this was a recurring problem and would not allow me to help him translate. the mistake that happened initially was that when he read the credit cards number, he misread it due to his limited vision and that appeared to be a soar point during the call. this call lasted about 50 minutes with 2 different interpreters whom we could not understand. after a point of frustration from my father, i could not stand to see him be abused like that, i ended the call and told the chase employee that he is nor longer interested in the card or working with chase and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working a short sale with Chase ( Loan # XXXX ) for 3 years now. We have a legitimate offer on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Chase has countered several times and every time the counter, the buyer has agreed to meet the price they are seeking. We first submitted an offer on this property back in XXXX XXXX. We have lost several buyers due to Chase 's failure to review the short sale in a timely manner. They most recent offer we have been working was submitted in XXXX XXXX. Chase has just now advised us that " HUD has denied a variance request to proceed with the short because of the delinquency of the loan and they are proceeding to foreclosure. The Short Sale will be cancelled. '' This seems like fraudulent practices by HUD & by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with Capital Alliance Financial, LLC (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Capitial alliance financial llc is owned by XXXX XXXX. Capital alliance financial buys debt, and is a debt collection company. Capital alliance financial is merely a shell company for XXXX XXXX law firm XXXX and XXXX. No response when you attempt to reach capital alliance financial only XXXX and XXXX. XXXX and XXXX turned for a civil judgement against me under the false pretenses they are acting on behalf of their client. XXXX and XXXX has a conflict of interest and should n't be allowed to deceive consumer 's that they are a law firm acting in behalf of their client. They are merely acting on behalf of themselves. Representative stated they were an attorney and when asked if capital alliance was connected to XXXX and XXXX denied any knowledge.

Company response to consumer: Closed with explanation